Guides, tools, and expert answers for UK homeowners aged 55 and over — written and reviewed by a CII-qualified specialist. Free to use. No registration required.
A plain-English introduction to unlocking cash from your home without selling.
How the loan accumulates, what triggers repayment, and what happens over time.
Loan-to-value ratios by age, property value thresholds, and how health affects your figure.
FCA regulation, Equity Release Council standards, and the genuine risks to understand.
In-depth explanations of how equity release works, what it costs, and what to consider.
Browse →Five questions to find out if you could be eligible and get an estimate of how much you might release.
Check now →New research shows 43% of Brits rely on unregulated sources for property decisions — why later-life borrowing deserves a proper…
Read →New data shows a rising share of lifetime mortgages are taken out against high-value homes — challenging old assumptions about who uses…
Read →RICS data shows UK house prices up 2.7% year-on-year despite a quieter sales market — what it means for your home
Read →New research shows over half of first-time buyers now get family help — and most people think gifting should happen during your lifetime,…
Read →58% of over-65s want to rightsize but stamp duty puts half of them off moving — here
Read →From April 2027, unused pension funds will count towards the estate for inheritance tax. AJ Bell warns HMRC
Read →Want to understand your options? Speak to a specialist later-life lending adviser. No obligation — just plain-English answers to your questions.
Ask a QuestionEnter your loan amount and see how compound interest grows your balance over time — and what equity remains for your estate.
Enter your age, property value, and any outstanding mortgage to see an illustrative range of what you could release — with a property breakdown bar and plain-English summary.
See how the outstanding loan reduces your estate value — and what difference it could make to your IHT liability.
Check whether releasing equity would affect Pension Credit, Universal Credit, or other means-tested benefits you receive.
Enter your release amount, monthly care costs, and income to see how long your funds could last — comparing lump sum and drawdown side by side.
Agent fees, stamp duty, legal costs, and removals all eat into the proceeds from downsizing. See whether moving home or releasing equity leaves you better off.
Our plain-English 2026 guide covers how equity release works, what it costs, the consumer protections, and what questions to ask before signing anything. Free download — no subscription.
Chris
Equity Release Specialist & Content Reviewer
All content on Verity Home is written with reference to Chris's expertise and reviewed by him before publication. Chris has worked in UK financial services for over 30 years and holds the CII qualifications specific to equity release advice.