Want to know more about equity release?
Watch our two-minute video that will explain how equity release could work for you.
Would you like to know more, call us on 0800 999 3339 or book a call back.
Richard has been voted ‘mortgage adviser of the year’ and won numerous industry awards.
Tom is an accredited later life Lending professional with The London Institute of Banking & Finance.
See how much you could release with our simple lifetime mortgage calculator.
Equity release, often called a lifetime mortgage, allows homeowners over 55 to unlock tax-free cash from their property while continuing to live in it. Instead of selling your home, you can borrow against its value or sell a portion of it in exchange for a lump sum or regular payments. Some plans even let you access more funds later if needed. If you have an existing mortgage, it must be repaid using the money you release.
Equity release is a fully regulated financial product, giving you important safeguards. It is overseen by the Financial Conduct Authority (FCA), ensuring that providers follow strict rules to protect customers. With a lifetime mortgage, you’ll never owe more than the value of your home when it’s sold, provided it is sold for a fair market price. This means your loved ones won’t be left with unexpected debt.
Once released, the money is yours to spend however you like. Many people use it to improve their home, pay off existing debts, support family members, or simply enjoy a more comfortable retirement. The choice is completely yours.
Here are a few of the most common reasons people choose equity release.
Repaying
University or weddings
At Equity Release and Mortgage Partnership Birmingham, we are dedicated to helping homeowners make informed financial decisions. Whether you’re considering equity release or searching for the right mortgage, we offer expert advice tailored to your individual needs. With years of experience in the industry, we understand that financial decisions, especially in later life, can feel overwhelming. That’s why we take the time to listen to your concerns, explain your options in simple terms, and guide you through the process from start to finish. Our approach is straightforward, transparent, and always focused on what’s best for you.
We work with a wide range of UK lenders to ensure you have access to the best plans available. Our goal is to find a solution that fits your lifestyle and long-term financial goals, whether that means unlocking the value of your home, reducing financial pressures, or supporting loved ones.
What truly sets us apart is our personal approach. We don’t believe in one-size-fits-all solutions. Instead, we take the time to understand your unique circumstances and provide honest, professional advice that you can trust. Our service is flexible and convenient, with phone appointments available in the evenings and at weekends to fit around your schedule.
Equity release and later-life mortgages are big decisions, and we’re here to make sure you feel confident every step of the way. If you're ready to explore your options, we’re always happy to chat and help you make the right choice for your future.
YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY DEBT SECURED ON IT.
Equity Release and Mortgage Partnership Ltd is directly authorised and regulated by the Financial Conduct Authority (FCA) and is entered on the financial services register http://register.fca.org.uk under reference 986900. Privacy Notice. Update cookies preferences
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