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StepChange Financial Solutions

The UK's only charity-operated equity release and mortgage advice service

StepChange Financial Solutions

Equity release and mortgages. Help from StepChange Financial Solutions.

Whether you're buying your first home, re-mortgaging for a better deal, or using your equity to manage debt or to support your retirement plans, StepChange Financial Solutions offers access to free equity release and mortgage advice you can trust.

Our award-winning advice service offers you access to equity release advice. We also offer residential mortgage and retirement mortgage advice, and we'll ensure you benefit from the widest range of solutions.  

The right advice for you

To create a safe environment in which to explore your options our advisors are salaried with no sales targets, bonuses or commission. This gives you peace of mind that we'll provide the advice that's right for you.



How we can help you

Our team of expert advisors can help you with:

Equity release advice »

Mortgage advice »

What makes us different?


We're the UK's only charity-operated mortgage and equity release advice service.


Fully qualified mortgage and equity release advisors with in-depth knowledge and experience.


Salaried advisors. No sales targets, bonuses or commission.


No advice fee payable even if you proceed with an application.


Telephone-based advice at a time to suit you. No intrusive home visits.

Peace of mind

The only advice service to pass all the best practice tests in the 2012 Which? equity release report.

Important things to consider

Here are some things to consider when assessing your suitability for a residential mortgage or equity release solution:

  • Releasing equity may affect your tax position and entitlement to means-tested benefits
  • Think about alternatives, such as downsizing to a smaller property
  • Future property prices may be higher or lower than they are today
  • Releasing equity from your home will reduce the value of your estate, affecting the amount of inheritance you may leave
  • Think carefully before securing other debts against your home
  • To understand the features and risks of any plan ask for a personalised illustration
  • Your home may be repossessed if you do not keep up repayments on your mortgage (residential & retirement mortgages only)

StepChange Financial Solutions is a registered trading name of Consumer Credit Counselling Service (Equity Release) Ltd. Authorised and regulated by the Financial Conduct Authority.

Contact us

0808 168 67199am to 5pm Monday to Friday

Free from all landlines and mobiles 

Equity release calculator?

Find out why don't we use equity release calculators on our website.

Watch our video »

Which? equity release report

Which equity release report

Under our previous name, CCCS Equity Release, we were the only advice service to pass all of Which?'s equity release tests

Radio 4 logo

Listen to our financial advice manager, Tom Moloney, answering questions with Ruth Alexander on BBC Radio 4's Money Box.

Helping you become debt free...

“I wish to thank your staff for all the great help they gave me when I was in so much debt.
They were a pillar of support to me.” (Leslie, Essex)

Foundation for Credit Counselling Wade House, Merrion Centre, Leeds, LS2 8NG trading as StepChange Debt Charity and StepChange Debt Charity Scotland. A registered charity no.1016630 and SC046263. It is a limited company registered in England and Wales (company no:2757055). Authorised and regulated by the Financial Conduct Authority.

We link to external websites where they contain relevant information for our visitors. We're not responsible for the content of these websites, or any infringement on your data rights under data protection regulations by any external website provider.

*This is the average rating of our service based on the StepChange reviews on Feefo by DMP and DRO clients three months into their solution.

© StepChange Debt Charity 2018