Access Cash from Your Home
Equity release lets you unlock tax-free money from your home’s value — without needing to move.
Be Prepared
What is aEquity Release?
Equity release allows homeowners aged 55+ to access part of their property’s value as a lump sum or regular income, while continuing to live in their home.
It’s most commonly done through a lifetime mortgage, which is repaid when you pass away or move into long-term care.
- Tel: +44 7934 221775
- Email: tam@lendorafs.co.uk
- Location: Leicester
Stay in Your Home
You retain full ownership and can remain in your home for life.
Tax-Free Cash
The money you release is tax-free and can be used however you like — from home improvements to helping family.
No Monthly Payments
Most plans don’t require repayments until the end of the mortgage, though flexible options exist.
Inheritance Protection Options
Some plans let you ring-fence a portion of your home’s value to leave behind for loved ones.
Benefits of Equity Release
Be Prepared
Things to Consider With Equity Release
Interest Rolls Up
If unpaid, the interest adds to the loan over time — which can significantly reduce the value of your estate.
Impact on Benefits
The money you receive could affect means-tested state benefits. We’ll help you check what’s affected.
Reduced Inheritance
Releasing equity lowers the value of your estate, so it’s important to plan for this.
Early Repayment Charges
Some plans carry penalties if you repay early — we’ll ensure you understand all the terms.
Property Eligibility
Not all properties qualify — for example, certain leasehold or non-standard homes. We’ll confirm if yours is eligible.
FAQs
Do I still own my home?
Yes — with a lifetime mortgage, you remain the full owner and stay in the property as long as you live there.
How much can I release?
It depends on your age, property value, and health. We’ll help calculate an accurate amount.
Will my family inherit less?
Potentially, yes — but some plans let you reserve an inheritance or repay interest to protect more value.
Can I move home later?
Most plans are portable, allowing you to move as long as the new property meets criteria.
Is equity release right for everyone?
No — it depends on your goals and financial situation. We’ll help weigh it up alongside alternatives.
First Time Buyer
As a first-time buyer, you’ll receive a personalised mortgage advice service, clear explanations and exceptional support throughout the process.
Remortgage
Whether you’re switching for a better deal or borrowing more, we’ll make your remortgage journey simple, stress-free and tailored to your goals.
Self Employed
We specialise in helping self-employed clients secure competitive mortgages, even with complex income—no jargon, just straightforward advice.
Buy To Let
From first-time landlords to seasoned investors, we provide tailored buy-to-let mortgage advice to help you maximise your property portfolio.
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Book Your Call
Ready to make your Next Move?
- Tel: +44 7934 221775
- Email: tam@lendorafs.co.uk
- Location: Leicester