Plain-English information about equity release and later-life lending for UK homeowners aged 55 and over.
A plain-English introduction to unlocking cash from your home without selling.
How the loan accumulates, what triggers repayment, and what happens over time.
Loan-to-value ratios by age, property value thresholds, and how health affects your figure.
FCA regulation, Equity Release Council standards, and the genuine risks to understand.
IHT collected a record £8.5bn in 2025/26. With nil-rate bands frozen and pension pots entering scope in 2027...
Read →The FCA is undertaking a Later Life Mortgages Market Study. New standards and stronger consumer protections are centre stage.
Read →FCA Consumer Duty and FOS data show roughly 25% of later-life lending cases involve customers with characteristics of vulnerability.
Read →Pensions entering the IHT estate from April 2027, thresholds frozen until 2030 — the inheritance tax landscape is changing.
Read →Around 50% of UK property transactions fall through before completion. Here's how equity release compares to downsizing.
Read →With median DC pension pots at £102,000 and average house prices near £270,000, property is the dominant household asset for most over-60s.
Read →Want to understand your options? Speak to a specialist later-life lending adviser. No obligation — just plain-English answers to your questions.
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