Equity Release (Lifetime) Mortgages

Equity Release is a means of using the value of your home to receive a cash lump sum when your level of income is possibly reduced in retirement

In all instances, age is the primary factor in determining the percentage of the value of your home that can be released. A person of an older age can release a higher percentage of the value of their home, than a person of a younger age, as they are not expected to live as long. For example, a person of 55 years of age could release up to 20% equity whereas an 85 year old could consider releasing 52% of the equity.

There is no maximum age limit for equity release, although applications are not usually granted for anyone under the age of 55.

Take a look at our Equity Release Case Study to see how a Lifetime Equity Release Mortgage helped clients of FOCUS or download our Equity Release Lifetime Mortgages Brochure.

Equity release products are either Lifetime Mortgages or Home Reversion Plans. We are not limited in the range of equity release products we will consider for you.

It is important that proper independent financial advice is considered in all respects and, in this regard, FOCUS is able to quickly formulate the most appropriate method suited to your specific needs and requirements.

Contact our advisers for more information about how we can assist you.

All advisers are fully qualified and authorised directly with the Financial Conduct Authority (FCA). Some of the companies we deal with are:


*Equity Release may involve a lifetime mortgage or home reversion plan. To understand the features and risks, ask for a personalised illustration.

A mortgage is a loan secured against your home. Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it


Before I met Nick I was very unsure of the direction I should take, but from start to finish he was brilliant. After all the advice given regarding Equity Release,  I felt so confident to proceed with what we intended to do.

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