SPEAK TO OUR TEAM 0800 980 2207 Open 0800-2100


To Start With... Equity Release Isn't Suitable For Everyone

Not everyone can qualify for equity release and it's not always the right answer . If you only read one page about equity release, please read this one. 

Equity Release Sheffield will help you decide which product is best for you. Not only do we help you to compare the whole market with the whole market for equity release, but we also offer you complete guidance on all the schemes available.

We do this  with absolutely no obligation. Exclusive offers could also save you hundreds.

Please note that equity release is sometimes known as a lifetime mortgageretirement home plan or home reversion.

Use some of your home's value  to live life your way

We only enlist Ethical, Professional Equity Release Advisers, Not Salesmen

Importantly, we're not a come and go sales company - we are ethical Financial Conduct Authority Registered Independent Financial Advisers that have to adhere to stringent rules surrounding equity release.

We've huge experience in this sector and will also tell you if equity release is not right for you

The Financial Conduct Authority says:"Choosing a financial adviser might seem daunting, but if you need help with a financial decision, it is worth persevering. A good adviser can save you money and a lot of worry."


Equity release unlocks tax-free cash from the value of your home without you needing to move out – and with our lifetime mortgage, you can do exactly that. Just give us a call on 0800 980 2207 to check whether you're eligible.


If you are Asset Rich, But Cash Poor? It Really Doesn't Make Sense

Over 55 and a homeowner? We may have excellent news for you

Are you sitting in a property that's worth hundreds of thousands of pounds?

Equity release schemes are aimed typically at homeowners who find themselves with little disposable income, but living in a property which may be worth a large amount of money.

The Council of Mortgage Lenders say that retired homeowners are sitting on £1.1 trillion of un mortgaged equity.

With an equity release scheme, you're able to release part of the value of your property in return for a lifetime income, tax-free cash lump sum or a combination of both... all with no risk of losing your house.


 Most Plans Allow You To:

  •  Maintain 100% Home ownership.
  •  All Money Released Is Tax-Free.
  •  Continue To Live In Property.
  •  You Can Gift An Early Inheritance.



Are You Still in Debt? Equity Release Could Be The Answer

In recent years, equity release is becoming increasingly popular as our older population is growing. It can relieve debt and substantially increase retirement income.

The highly respected debt charity, Consumer Credit Counselling Service (CCCS), does suggest equity release to over 55s who owe money as a way to pay back borrowed money.

However, although many use equity release as a way of paying debt, Saga ,commenting on their own research,  says "Our findings dispel the often held myth that equity release is just a last resort for cash strapped pensioners, when in fact people use the capital in their home to enjoy life, not just to get by."


What is Equity?

Equity is your current mortgage balance taken away from the current value of your house. If your mortgage is paid off and your house is worth, say, £300,000, then your equity is £300,000. Equity Release should not be confused with re-mortgaging.

The table below will give you a rough idea of the amount some equity release providers may be prepared to lend you. For example, using the table, Mrs Jones is 65 and owns a home worth £200,000. If she took an equity release lifetime mortgage plan, she could release a maximum of £62,000 in cash. That's 31% loan to value of £200,00. (£200,000 x 31% = £62,000)

Loan to value (LTV) is the amount of the equity as a percentage of the value of the property. Providers take loan to value percentages into consideration when considering your application for equity release


Learn Which Is The Best Equity Release For Your Circumstances

Equity Release Sheffield will provide all the information you need on the many of equity release schemes available.

We can also negotiate preferential equity release deals, including lower interest rates from some providers, that you may not achieve elsewhere.

  • Top Up your retirement income
  • Pay off your mortgage
  • Repay your overdraft, loans or credit cards
  • Buy a holiday home or buy to let investment
  • Start home and garden improvements
  • Buy a car, caravan, holidays etc
  • Fund solar heating Panels to reduce bills
  • To fund medical or care costs


  • To financially help friends, children or grandchildren
  • Pay for your children's or grand-children’s wedding
  • Finance your children or grandchildren through university
  • Help your children onto the first  level of the property ladder by providing them with a deposit


Depending on the plan you take you can...

• Own 100% of your home and can continue to live in it
• You are able to  benefit from any future rise in house prices
• Release a tax–free cash lump sum or an income for life
• Release additional cash when you need it and spend that cash as you wish
• Consolidate your debt levels
• Guarantee your income for life
• Provide an emergency fund
• Pay no valuation or set-up fee
• Most plans have a no negative equity guarantee
• There are no credit checks

Are You Eligible For Equity Release?

Please complete the quick, easy enquiry below and learn if you qualify for equity release and if equity release is a suitable product for you.

If so, we'll give you full details of all the products available and our advisers will tell you which could be the best for your circumstances.

Simply take a minute to enter your details and you'll be called back as soon as possible with an answer. We'll also tell you how much money you should be able to release from your property.


Using our calculator will show you:

  •  How much you can release and the latest interest rates.
  •  The process involved in releasing equity from your property and how long it could take.
  •  An overview of any potential fees that may be incurred by taking out a policy.

Our team of qualified equity release advisors will provide you with honest and independent advice about unlocking cash ... We can also offer you home visits.
For your convenience we are pleased to be able to offer  a no obligation home advice meeting at your convenience in any of the following areas.

If you’re thinking of taking out an equity release product, you should take financial advice from one of our Certified and Qualified  Equity Release  advisers.

they’ll be able to suggest the plan most suited to your needs by researching all the products in the market.

Free Equity Release Calculator
If you’re over 55 and you own your own home, equity release could help you unlock your cash tied up in your home and enable you to enjoy a more comfortable retirement.
How much could you release today?