A decision this significant deserves a specialist.
Lawes Financial does not give advice on equity release. If you’d like to explore equity release, we will introduce you to a specialist firm that is authorised and regulated by the Financial Conduct Authority, and they will give you advice.
Equity release can be the right answer — but only when it is advised properly, by someone who does this every day.
Important. Equity release is a lifetime mortgage or home reversion plan. To understand the features and risks, ask for a personalised illustration. Equity release reduces the value of your estate, may affect entitlement to means-tested benefits, and is a long-term financial commitment.
If you go ahead, the firm we introduce you to pays Lawes Financial a referral fee. You don’t pay it, and it doesn’t affect the advice you receive or the terms you’re offered.
Typical minimum age: a general position across lenders, checked October 2026. Not the terms of any one lender, and not a recommendation.
Borrowing against your home, repaid from your estate
Plain-language version: you borrow against the value of your home, you keep living in it, and the loan is repaid when you die or move into long-term care — from the sale of the property.
Equity release lets homeowners aged 55 and over unlock capital from their property without selling and moving. The most common form is a lifetime mortgage; less common is a home reversion plan. In both cases, the trade-off is the same: capital today against a smaller estate tomorrow.
How equity release works: extra income without movingYou retain ownership of your home — under a lifetime mortgage. Home reversion is different and means selling a share to the provider.
Interest typically rolls up — added to the loan rather than paid monthly, so the balance grows over time. Voluntary payment plans can slow this.
Repaid when you die or move into long-term care — from the eventual sale of the property. Modern plans include a no-negative-equity guarantee.
It reduces the value of your estate — sometimes substantially. This trade-off needs full discussion with you and, ideally, with your family.
It is regulated, advised, and reversible only with cost — early repayment charges can be significant. The decision deserves time, not pressure.
Not one product
A specialist explores every option, not just the one that pays the most commission.
A loan secured against your home that you do not have to repay during your lifetime. You retain ownership; interest is typically added to the balance and repaid when you die or move into long-term care. Modern plans allow drawdown, voluntary payments, and inheritance protection guarantees.
Typically suitsHomeowners aged 55+ who want to release capital while staying in their home.
You sell a share of your home — often well below market value — in exchange for a lump sum or income, with the right to live there rent-free for life. Less common than lifetime mortgages and structurally very different: you no longer own the share you sold.
Typically suitsSpecific circumstances only.
Why we introduce rather than advise
We’d rather introduce you to someone who does this every day than dabble in it ourselves.
The firm we introduce you to advises on later-life lending every day — not occasionally between mortgage cases. Every product, guarantee, and lender quirk stays current because it has to.
We introduce you to one specialist firm, chosen for how they advise, not for the fee they pay.
All fees — theirs and our referral fee — are disclosed in writing before any work begins. The referral fee is paid by the firm, not by you, and does not affect the terms you are offered.
We stay engaged after the introduction. If a question comes up along the way, we’re still here to help and point you to the right person. You do not get handed off and forgotten.
Four steps. Fully transparent.
Tell us about your situation — the property, your goals, your family circumstances, any other capital options you have considered. We talk through what you’re trying to achieve.
If an introduction makes sense, we introduce you to the specialist firm and share the context of your situation with your permission. The referral fee arrangement is disclosed in writing at this stage.
The specialist conducts their own full fact-find and recommendation. They explore alternatives, model long-term outcomes, and produce a personalised illustration. You retain full control of the decision.
We remain available throughout the process.
The right answer at 68 is not always the right answer at 78. Good later-life advice plans for both.Lawes Financial
The questions worth asking before — not after
Because equity release is a specialist area of later-life lending with additional FCA permissions and a different advice framework. Doing it occasionally — rather than every day — is precisely how mistakes happen. We would rather introduce you to someone who does this work full-time and stays current with every product, lender, and protection guarantee available.
No. A good later-life adviser explores downsizing, family lending, and unsecured borrowing alongside equity release — not in opposition to it. If equity release is not the right answer, they will tell you so. We introduce clients specifically because the firm we work with takes that approach.
Advice fees vary by firm and case complexity; the firm we introduce you to discloses theirs in writing before any work begins. Plan setup typically involves arrangement fees, valuation, and legal costs. Interest rates on lifetime mortgages are usually higher than mainstream mortgages — the trade-off being that no monthly payments are required.
The plan is repaid from the sale of the property. Any equity remaining after the loan plus rolled-up interest is settled goes to your estate. With a no-negative-equity guarantee, your estate will never owe more than the home is worth — even if the loan balance has grown beyond the property value.
Yes — but the amount depends on the plan structure, how long it runs, and the property's eventual value. Inheritance protection guarantees can ring-fence a percentage of the property's value for your beneficiaries. Drawdown plans limit the interest accrued. Voluntary payment options keep the balance from growing. The specialist will model the likely outcomes before you decide.
Yes, there is a referral fee, and no, it does not affect your advice. We are paid by the specialist firm when a client we introduce proceeds with a plan. The fee comes from the firm, not from you, and we disclose this upfront and in writing. The rate and terms you are offered are not influenced by our involvement.
Possibly, if you own a home in the UK and are returning to live in it as your main home. The specialist firm we introduce you to can talk you through whether that applies to you.
Important information
Estate impact. Equity release reduces the value of your estate. The longer the plan runs, the more compound interest accrues.
Means-tested benefits. Releasing capital can affect your entitlement to means-tested state benefits — both now and in the future.
Referral arrangement. Lawes Financial does not advise on equity release and is paid a referral fee by the specialist firm if you proceed. This is disclosed in writing before any advice is given and does not affect the terms you are offered.
Talk to us first
No fee for the initial conversation. Tell us what you’re trying to achieve. If you’d like to explore equity release, we’ll introduce you to a specialist firm that is authorised and regulated by the Financial Conduct Authority, and they will give you advice.
If you go ahead, the firm we introduce you to pays Lawes Financial a referral fee. You don’t pay it, and it doesn’t affect the advice you receive or the terms you’re offered.
Appointed representative · FRN 1046161 · Specialist introduction · Fees disclosed in writing
Equity release is a lifetime mortgage or home reversion plan. To understand the features and risks, ask for a personalised illustration.
Check that this mortgage will meet your needs if you want to move or sell your home or you want your family to inherit it. If you are in any doubt, seek independent advice.