Guides, tools, and expert answers for UK homeowners aged 55 and over — written and reviewed by a CII-qualified specialist. Free to use. No registration required.
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.
In-depth explanations of how equity release works, what it costs, and what to consider.
Browse →Five questions to find out if you could be eligible and get an estimate of how much you might release.
Check now →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.
Ask a QuestionEnter your loan amount and see how compound interest grows your balance over time — and what equity remains for your estate.
Enter your age, property value, and any outstanding mortgage to see an illustrative range of what you could release — with a property breakdown bar and plain-English summary.
Our plain-English 2026 guide covers how equity release works, what it costs, the consumer protections, and what questions to ask before signing anything. Free download — no subscription.
Chris
Equity Release Specialist & Content Reviewer
All content on Verity Home is written with reference to Chris's expertise and reviewed by him before publication. Chris has worked in UK financial services for over 30 years and holds the CII qualifications specific to equity release advice.