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Equity release calculators. Why we don't use one.

Equity release calculators are used by many advice companies to show how much money you could release from your home by taking out a lifetime mortgage or home reversion plan.

Releasing equity is an important and complicated decision, which is why we believe it's important to speak to someone who can give you expert advice you can trust. In this video we'll explain the limitations of equity release calculators, and the reasons why we don't use them.

Watch our video to find out more

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

When assessing your suitability for a residential mortgage or equity release solution, there are some key things you need to consider: 

  • Releasing equity may affect your tax position and entitlement to means-tested benefits
  • Downsizing to a smaller property may be an alternative option
  • 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

If you've got any other questions or if you would like to book an appointment with an advisor please call us on 0808 168 6719 (free from landlines and all mobiles) or complete our enquiry form.

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

Book an appointment

0808 168 67199am to 5pm Monday to Friday

Free from all landlines and mobiles

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

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