FCA Authorised & Regulated · Reference 816029 · Equity Release Council Member
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SURREY

Equity release in
Surrey — specialist advice, built on trust.

Surrey homeowners are sitting on some of the most valuable property in England. If you’re wondering whether the equity in your home could work harder for you, we’re here to help — at your pace, with zero pressure.

Book a consultationicon phone icon0333 000 2097
No pressure
No obligation
Treated like family
We cover Surrey — home visits available across the county, plus phone and video appointments at a time that suits you.

Trusted · Regulated · Recognised

FCA Authorised

Ref 816029

Equity Release
Council

Member firm

Money Facts Award

Winner 2019, 2022

Mortgage Solutions
Specialist Lending
Award

Winner 2026

FOS Protected

Client safeguards

Independent Advice

Whole-of-market

£332m

Tax-free cash released

6,000+

UK homeowners advised

15 yrs

Specialist equity release experience

5.0

Average customer rating
CLIENTS ACROSS SURREY & THE SOUTH-EAST

We’ve helped homeowners across Surrey and the wider South-East understand their options and move forward with confidence — many of them right here in the county.

"From the very first call, we felt listened to and never rushed. The whole process was explained so clearly, and having our daughter involved in the meetings made all the difference."
Surrey,

Home visits available across Surrey. Phone and video appointments also available for those who prefer to speak from the comfort of home.

What is equity release —
and could it help you?

Equity release is a way for homeowners aged 55 and over to access the value tied up in their property as tax-free cash, without having to sell or move out. The most common form — a lifetime mortgage — lets you borrow against your home while retaining full ownership, with the loan and rolled-up interest repaid when the property is eventually sold. To understand the full picture, read our plain-English guide to what is equity release.

Why Surrey homeowners use a specialist equity release adviser

Surrey consistently ranks among the highest-value property counties in England outside London. Average detached property values in areas such as Guildford, Reigate, and Elmbridge regularly exceed £700,000 — meaning many homeowners here have built up substantial equity over the decades, often without fully realising it.

Surrey also has a high proportion of outright homeowners in the 60-plus age group. Many have lived in their homes for 20, 30, even 40 years, watching values rise while their day-to-day income in retirement has stayed fixed. That gap — between the wealth in the walls and the money in the bank — is exactly what equity release is designed to address.

One of the most common reasons Surrey homeowners come to us is to help their adult children navigate one of England’s most expensive property markets for first-time buyers. With house prices in commuter-belt towns like Esher, Cobham, and Weybridge placing first steps on the ladder well out of reach for many young people, releasing equity to provide a gifted deposit has become a genuinely meaningful option for families across the county.

Whatever your reason for exploring equity release, a qualified adviser makes all the difference. We search every plan from every UK provider — not just one lender’s range — to find the right fit for your circumstances. To learn more about how the advice process works, speak to an equity release adviser.

Four simple steps, zero pressure.

We've guided 12,400+ families through this process. Here's how it works:

01

Initial Consultation

A friendly 15-minute chat by phone or video. No jargon, no pressure, no obligation. Loved ones are always welcome to join.

02

Tailored Research

Your dedicated adviser scans every plan from every UK provider to find your best match — not just the first option that fits.

03

Transparent Recommendation

We present your options in plain English, including any family members you'd like involved. Only pay if you proceed.

04

Funds in Your Account

We manage the entire application from start to finish. Typical completion within 6–8 weeks.

Want to understand the full costs before you begin? Our costs guide breaks down every fee, clearly and honestly.

Areas we cover across Surrey

We provide equity release advice to homeowners throughout Surrey, including:

Location Icon Guildford Location Icon Woking Location Icon Reigate Location Icon Dorking Location Icon Epsom Location Icon Leatherhead Location Icon Godalming Location Icon Farnham Location Icon Weybridge Location Icon Esher Location Icon Camberley Location Icon Cobham Location Icon Redhill Location Icon Haslemere

Not in Surrey? We also cover neighbouring counties — explore equity release in Kent or equity release in Hampshire.

QUESTIONS ANSWERED

Equity release in Surrey — your questions answered

Yes — we provide equity release advice to homeowners across the whole of Surrey, from Guildford and Woking in the north-west to Reigate, Redhill, and Haslemere in the south. Home visits are available throughout the county for those who prefer face-to-face advice in familiar surroundings. If you’d rather not have a visitor, phone and video appointments are equally available — whatever works best for you. To find out more about how we work, speak to an equity release adviser.

With average detached property values in Surrey among the highest in England outside London, many homeowners in the county have access to a significant level of equity. As a general rule, the older you are and the higher the value of your property, the greater the percentage you may be able to release — though the exact figure depends on your individual circumstances, the condition of your property, and the lender’s criteria. To get a clearer picture based on your own home and age, find out how much you could release.

Yes. Our advisers cover the full county, with home visits available to residents across Surrey — whether you’re in a commuter-belt town like Cobham or Esher, or a more rural area like Haslemere or the villages around Dorking. For those who prefer convenience, phone and video appointments are available at a time that suits you. All our advice is FCA-regulated and whole-of-market, meaning we compare every UK provider — not just a selected panel. Meet our equity release advisers to learn more.

From initial consultation to funds in your account, the process typically takes 6–8 weeks. Surrey has a well-established network of conveyancing solicitors and independent surveyors, which generally keeps the legal and valuation stages moving smoothly. One thing worth noting: if your property is a leasehold flat — more common in certain Surrey towns — your solicitor may need a little additional time to review the lease terms before the lender can proceed. Your adviser will flag anything like this early so there are no surprises. See the full process step by step.

Still have questions?

Speak to an adviser on 0333 000 2097

Start your Surrey equity release journey — zero pressure.

Serving homeowners across Surrey and the wider South-East, we’re here whenever you’re ready — whether that’s today or in six months’ time. There’s no rush, no obligation, and no cost to find out where you stand.

Book a consultation 0333 000 2097
No pressure
No obligation
Treated like family