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Equity release is available throughout the UK. This service is provided by StepChange Financial Solutions, part of StepChange Debt Charity. We are not a lender. We find products that suit your needs

How to find out if equity release is right for you

Our friendly team of experts can help find the best equity release option for you.

Whether you are:

  • Looking to make home improvements
  • Wanting to top up your retirement income
  • Facing a mortgage shortfall

We help homeowners unlock their options.

For free advice:

  • Call us now on 0808 1686 719
  • Fill out our contact form to request a call back

You may be able to benefit from a tax-free cash lump sum. Or access to a flexible borrowing facility.

Find out our top 10 equity release tips.

Why choose us?

  •  Free advice service: We do not charge you for advice

  •  Unbiased: Our advisors are paid a salary. There are no sales targets, bonuses, or commissions. The advice you receive is always in your best interests

  • Trustworthy: Our Financial Solutions clients gave us a 4.9 out of 5-star average review on Feefo in 2022

  • Award-winning: We have won many awards for our service over the years

How to find out if equity release is right for you

We will help you understand your choices. For free advice:


  • A fixed interest rate for the lifetime of the mortgage
  • The ability to release funds of up to 58% of the value of the property
  • No negative equity guarantee. This means you never have to worry about owing more than the property value
  • You do not have to make any monthly payments. But if you would like to make flexible payments to cover the interest or more, you can
  • In most cases, adverse credit will not affect your ability to take out an equity release product
  • If you are retired, or on a reduced income, and are coming to the end of an interest only mortgage term, you could use the equity within your property to stay in your home


  • You do not pay tax by releasing equity. But the way it is released might affect your tax position and entitlement to means-tested benefits
  • There may be more suitable alternatives. Such as downsizing to a smaller property or remortgaging
  • Future property prices might be higher or lower than they are today
  • Releasing equity from your home will reduce the value of your estate. This can affect the amount of inheritance you might leave
  • There are implications to securing other debts against your home
  • Consolidating debts over a longer period may mean you pay more overall
  • If you are planning home improvements, a government grant may be a better option for you

Equity release options

There are also different types of product options available. These can be tailored to your individual needs. These include:

  • Interest only lifetime mortgage: Borrow against the value of your home. Repay all or part of the interest
  • Lifetime mortgage: Borrow against the value of your home. Have the option of making flexible payments or allowing the interest to be added to your mortgage
  • Home reversion plans: Sell your home, or a share of it. In exchange, get rent-free lifetime tenure or a cash lump sum

Product options can be adapted to your needs. We will guide you through the process. We will make sure you understand the risks so you can make a fully informed decision.

Ready to find out more?

We will help you understand your choices. For free advice:

Debt happens. We deal with it.

We have helped millions of people since 1993.

Find out how.

"Excellent Service"

"Received excellent advice from one of StepChange's advisors. He was very thorough, and explained all the details regarding my Equity Release application. Very smooth from start to finish. Would definitely recommend."

Caron, Feefo Review