Equity Release compared with other options

Build a quick picture of your circumstances and see which later-life mortgage routes may be worth exploring—with a real specialist, not a call-centre maze.

Lifetime mortgagesRetirement interest onlyInterest-only into retirementRepayment mortgages

Your answers build a useful starting point for a personal conversation—not an automated lending decision.

Your named specialist

David Farrell

Later Life Lending Specialist

26 years’ mortgage experience

Your later-life mortgage checkStep 1 of 5

Start with what matters

What would you like to achieve?

Choose up to three. The order you select them becomes your priority order.

To change the order, untick a choice and select it again. The remaining choices automatically move up.

Homeowners

Who owns the property?

Exact dates help because even a few months can affect later-life lending limits.

First homeowner’s date of birth

Your property

Let’s build the borrowing picture

Best estimates are fine. Nothing here commits you to borrowing.

Estimated property valueMortgage still outstandingEnter £0 if mortgage-free.Extra money you would like to raiseKeep this separate from your existing mortgage—we’ll combine them.

Borrowing to explore£0

Requested loan-to-value0.0%

Regular income

What income comes in?

First homeowner

Why income matters

Income can open routes that do not involve interest rolling up for life, including RIO and conventional mortgages into retirement.

Combined gross monthly income£0.00

Combined pension pots£0

Preferences

How would you like the borrowing to work?

This helps separate ‘could qualify’ from ‘would actually suit you’.

Would you like to make any monthly payments?

If the mortgage needed repaying later, what is the likely plan?

Nearly there. Next we’ll reflect your figures back to you and show the routes that deserve a proper specialist check.

Your case is taking shape

Here’s what your figures could support.

Change the amount you want to borrow and the payments below will update instantly

The figures are broad illustrations, not lending decisions, quotes or financial advice. Actual borrowing depends on lender criteria, affordability, credit history, property acceptability, valuation and regulated advice.

Enquiry details

Ask David to check my options

Complete your contact details below. Your answers, maximum borrowing figures and estimated payments will be included automatically.

✓

SUCCESS — your question and details have been sent through.

David will normally be in touch within the next working day.

Would it make sense to choose a time that works best for you?
Rather than David calling when you may be busy, you can choose a convenient time when you know you’ll have 20–30 minutes available for a relaxed, informal and no-obligation conversation.

If the diary does not appear, open it here →There’s no obligation to book. If you prefer, David will contact you normally within the next working day.

Whole-picture thinking

The conversation starts with your goal—not a product someone wants to sell.

A named specialist

Deal with David directly, backed by 26 years of mortgage experience.

Calm and confidential

No obligation, no pressure and no selling your details around the internet.

Your home may be repossessed if you do not keep up repayments on your mortgage. A lifetime mortgage may reduce the value of your estate and may affect entitlement to means-tested benefits.