Equity Release
& Lifetime Mortgages
Unlock the value in your home to enjoy retirement, help family, or achieve lifelong dreams. Expert advice with no pressure, just solutions.
We work with leading equity release providers
How the Process Works
Our simple, supportive process from first enquiry to funds in your account.
Free Consultation
We'll explain your options and answer all your questions with no obligation.
Personalised Quote
We'll show you how much you could release and what it would cost.
Application
We handle all the paperwork and keep you updated throughout.
Funds Released
Receive your funds, typically within 6-8 weeks of application.
Tap into your home's value safely
Equity release and lifetime mortgages can play a crucial role in retirement funding, helping other family members with a first-time purchase, paying for home improvements, or simply enjoying the retirement you deserve.
Our qualified advisers will help you understand your options, the effects on state benefits, tax implications including inheritance tax, and any other obligations.
There are many reasons you might consider equity release:
Lifetime Mortgage vs Home Reversion
Compare the two main types of equity release to understand which might be more suitable for your circumstances
| Feature | Most PopularLifetime Mortgage | Home Reversion |
|---|---|---|
| Ownership | You retain full ownership of your home | You sell part or all of your home |
| Monthly Payments | Optional - usually none required | None - you live rent-free |
| Interest Charges | Yes - typically compounds over time | No interest charges apply |
| Amount Released | 20-57% of property value | 30-60% of share sold value |
| House Price Growth | You benefit from 100% of growth | Only benefit on retained share |
| Minimum Age | Usually 55+ | Usually 65+ |
| Market Availability | Widely available - 95%+ of market | Very limited - less than 5% |
Find out how much equity you could release
Use our calculator to get an estimate. It only takes a moment and you don't need to provide personal details.
Hear from Our Customers
Real stories from people who have successfully released equity from their homes
"We released £85,000 to help our children with house deposits and took a dream cruise to Australia."
Robert & Susan Thompson
Hampshire | Age: Both 70+
"After my husband passed, the mortgage payments were a struggle. Equity release gave me peace of mind."
Margaret Collins
Devon | Age: 78
"We used equity release to renovate our home and make it suitable for our retirement years."
James & Patricia Davies
Surrey | Age: Both 68
Equity Release Council Standards
We only recommend plans from Equity Release Council members, which means important safeguards are built into every plan.
No Negative Equity Guarantee
You will never owe more than the value of your home.
Right to Remain
You can remain in your home for as long as you wish, providing it remains your main residence.
Freedom to Move
You have freedom to move to another suitable property, subject to the new property being acceptable to your provider.
What our customers think
"The team explained everything clearly and were so patient with all my questions. I was able to help my grandchildren with house deposits and still live comfortably."
Margaret W.
Surrey | Age: 72
"After my husband passed, I wasn't sure what to do about the mortgage. Apply Wise found me a lifetime mortgage that cleared my debt and gave me peace of mind."
Patricia H.
Kent | Age: 68
"Professional service from start to finish. They found us a great equity release plan that let us renovate our home and enjoy our retirement properly."
David & Jean M.
Essex | Age: Both 65+
Dispelling Equity Release Myths
Common questions answered by our experts
Why trust Apply Wise?
Equity Release Council Members
We only recommend plans from Equity Release Council members, ensuring important safeguards.
FCA Regulated
Directly authorised and regulated by the Financial Conduct Authority.
Personal Service
Direct access to your adviser via phone during the day, evenings, and weekends.
Need more information?
The best way we can help is to have a quick conversation. Contact us for a no-obligation discussion.
Important: Equity Release may affect your entitlement to means-tested state benefits and will reduce the value of your estate. A lifetime mortgage is a loan secured against your home. The loan plus accrued interest is repaid when you die or move into long-term care. To understand the features and risks of an Equity Release product, ask for a personalised illustration. Apply Wise Financial recommends products from the Equity Release Council, ensuring important consumer safeguards are in place.