Equity Release

Unlock your home’s value in retirement. Our qualified Equity Release Advisers at SN Financial guide you through the process seamlessly, helping you access property wealth and plan your retirement income with confidence.

What is Equity Release?

Your home is almost certainly your largest asset, which means that it offers an opportunity to unlock value through equity release. You can release equity as a lump sum or in stages via drawdown, both of which provide an additional source of income.

Equity release is available to people aged 55 and over, as it enables you to meet unique needs such as comfortably affording living expenses, improving your retirement lifestyle or financially supporting a loved one.

Lifetime Mortgages Explained

A Lifetime Mortgage involves taking a type of mortgage that does not require monthly repayments, although with some plans rather than roll up the interest you can opt to make monthly repayments if you wish. You retain ownership of your home and interest on the loan is rolled up (compounded). The loan and the rolled up interest is repaid by your estate when you either die or move into long term care. If you are part of a couple, repayment of the mortgage is not made until the last remaining person living in the home either dies or moves into care, meaning that both you and your partner are free to live in your home for the rest of your lives, In short: Access home equity without monthly payments, but the debt grows and is repaid later.

Key points

  • No monthly payments:  Borrow against your home & keep living there.
  • Access property wealth: Enable gift to family or supplement retirement income.
  • Interest compounds:  Grows with the loan, increasing the debt.
  • Repayment on death/care: Estate pays off loan + interest.
  • Couple-friendly:   Surviving partner stays in the home until needing care.

Ready to explore equity release?

Our team of experts can discuss your plans for retirement and whether this is something that would work for your longer term legacy wishes.

We’re a longstanding member of the Equity Release Council and dedicated to helping you explore your options. We’ll compare different deals and benefit packages from a vast range of providers, help you to choose a product that suits your lifestyle plan, then arrange the application on your behalf and remain with you all the way to completion.


A lifetime mortgage is a lifetime commitment which will reduce any inheritance you leave. You may find it helpful, and we encourage you to discuss your plans with a friend or family members who can accompany you to appointments.

Charlie Nicholls - Mortgage and Protection Adviser (CeMAP CeRER DipFA)

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Financial advisory in Worcestershire and Kent

Based in Droitwich Spa, we’ve proudly supported clients of all ages since 2004. The opening of our second office in Sevenoaks allowed us to extend our bespoke financial services even further, making SN Financial a trusted financial adviser for individuals, couples, families and businesses across Worcestershire, Kent and the rest of the UK.

Droitwich Office

5 Saltway, Droitwich, Worcestershire, WR9 8LB
01905 779697

Sevenoaks Office

46 Holly Bush Lane, Sevenoaks, Kent, TN13 3TL
01732 926255