For many couples who have raised families and now want to enjoy life as a couple, equity is the key. Most of these individuals have worked for several decades, all the while making regular payments to lenders holding the mortgages on their homes. Through the years, these hard-working people have built equity in their properties, which is the difference between the value of the home and the amount still owed to the lender.

The number of retired individuals has increased significantly in recent years as people who are part of the baby boom generation reach the age of 62 to 70. For the fortunate percentage who have retired their mortgages by making the final payment, equity can equal the total amount at which the property is valued. They are now learning that this value can be used to make their last years much more comfortable and enjoyable.

Return on Investment

If you are part of this group, you may want to look at your real estate value as an investment that can be used to pay you back. There is a program in place now called flexible equity release that can provide access to the wealth in your home on demand. You don’t have to sell your property, move to another home, or give up ownership. With this plan, sometimes referred to as a lifetime mortgage or reverse mortgage, you have a regulated method of making use of the value you’ve built in your home.

Some people who have significant value in their properties have avoided getting access to it because they believed they had to sell their homes to achieve equity release. This may have been true 20 or 30 years ago, but it’s much different now. When you work with one of the leading providers of equity release, you never have to sell your home or relinquish partial ownership.

If you are interested in finding out more about this way to unlock the wealth you’ve built in your property, you may want to start by visiting the website of one of the top firms working in this sector. With these professionals assisting you, you won’t have any expenses until you complete a plan. You don’t have an obligation to move forward.


You can use the equity release calculator in the UK to get an idea of the value you have at your disposal. If you’re 55 or older, you can turn equity into tax-free cash. You continue to own the property 100% and the deed remains in your name. You can live in your home for the remainder of your life. Your next step might be to determine the fair market value of your property and then subtract the total of all mortgages, secured loans, and other charges on the property.

Lenders are interested in investing in long-term UK property. That’s their benefit. Yours would be having the use of the value as money which would otherwise remain unused during your lifetime. When you release this value, you will be able to spend the money as you wish. Find out how this can work for you.


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