Independent, FCA-authorised advice from specialists who only work in later-life lending — so every recommendation is built around your circumstances, not a sales target.
Releasing equity from your home is one of the biggest financial decisions you’ll make in retirement. Our advisers explain your options in plain English, scan every plan from every UK provider, and only recommend equity release if it’s genuinely right for you. You’ll be treated like family from the very first call.
FCA Authorised
Ref 816029
Member firm
Money Facts Award
Winner 2019, 2022
Mortgage Solutions
Specialist Lending
Award
Winner 2026
FOS Protected
Client safeguards
Independent Advice
Whole-of-market
Lifetime mortgages, home reversion plans, retirement interest-only mortgages, and alternatives outside equity release
Based on your age, property value, health, and lifestyle factors
From every UK lender, not a restricted panel
Inheritance Protection Guarantees, downsizing protection, and voluntary repayment features
How releasing equity affects means-tested benefits, your tax position, and estate planning
Working alongside your solicitor, lender, and surveyor to keep things moving
Our advisers have guided over 6000+ families through equity release. We'll walk you through every step — at your pace.
A friendly 15-minute chat by phone or video. No jargon, no pressure, no obligation. We'll answer your initial questions and confirm whether equity release is worth exploring further.
Your dedicated adviser scans every plan from every UK provider to find your best match — comparing rates, features, and flexibility against your specific goals.
We present your options in plain English — including family members if you wish — explaining what we recommend, why, and what the alternatives look like.
We manage the entire application alongside your solicitor and the lender. Typical completion within 6–8 weeks.
We’re one of the UK’s most-awarded equity release specialists. Every recommendation is tailored, every plan is Equity Release Council approved, and every customer is treated like family.
Equity release isn't right for everyone. A good adviser will be just as willing to recommend that you don't proceed as they are to recommend a plan. Before you take advice, it's worth understanding the key trade-offs.
With a lifetime mortgage, interest rolls up each year and compounds — meaning the amount owed can grow significantly over 15–20+ years.
The money released, plus accumulated interest, is repaid from your estate when you pass away or move into long-term care. An Inheritance Protection Guarantee can ring-fence a portion of your home’s value.
Pension Credit, Council Tax Reduction and other means-tested benefits may be reduced if your savings rise above certain thresholds.
Downsizing, using existing savings, family gifting, or a retirement interest-only mortgage may meet your needs at a lower cost.
Although modern plans allow you to repay early or move home, exiting an equity release plan can come with early repayment charges.
Mortgage Strategy — Winner
Equity Release Broker — Winner
Equity Release Broker — Finalist
Equity Release Broker — Finalist
Equity Release Firm — Winner
Equity Release Broker — Winner
Your initial consultation is completely free with no obligation. If you decide to proceed with a plan, our advice fee is [£X,XXX] — payable only on completion. We’ll always confirm fees in writing before you commit.
Yes. We’re whole-of-market, which means our advisers scan every plan from every UK provider and recommend the one best suited to you — not the one that pays us most.
Yes. Access Equity Release is authorised and regulated by the Financial Conduct Authority (FCA Reference 816029) and is a member firm of the Equity Release Council.
All our advisers hold the relevant FCA-required equity release qualifications — including CeMAP (or equivalent) and CeRER (Certificate in Regulated Equity Release). Many hold additional later-life lending and pension qualifications.
A mortgage broker arranges traditional mortgages based on income and term. An equity release adviser specialises in later-life lending products designed for homeowners aged 55+, where there are no mandatory monthly repayments and the loan is repaid from the eventual sale of the home.
Yes. UK regulation requires anyone taking out an equity release plan to receive advice from a qualified, regulated adviser before completing.
Absolutely — we encourage it. Equity release affects the inheritance you leave behind, so involving adult children or other beneficiaries from the start helps everyone feel comfortable. We welcome loved ones in every meeting.
Initial advice can be completed within 1–2 weeks. The full process — from advice to funds being released — typically completes within 6–8 weeks, depending on the lender and complexity of your case.
No. We’re paid only on completion, but our reputation depends on giving you the right advice — even when that means recommending you don’t proceed, or that you explore an alternative such as downsizing first.
Yes. We regularly advise clients who already have a plan and are considering a further advance, switching to a new plan, or making voluntary repayments.
0333 000 2097
0333 000 2097
0333 000 2097