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Equity release

What is it?

If you own your own home and are 55 or over, equity release could provide you with a lump sum or additional income.

Equity Release describes a range of products that allow you to release the equity (cash) tied up in your home without moving. The products have no fixed term and allow you to stay in your home for the rest of your life.

You can either borrow money which is secured against your home (called a lifetime mortgage), or sell part or all of your home (called a reversion scheme). This can give you a lump sum, a way of topping up your income, or both.

How we can help

Niche are regulated by the Financial Services Authority (FSA), to advise and sell equity release products.

We advise on equity release schemes which adhere to Safe Home Income Plan organisation (S.H.I.P) standards. SHIP was set up in 1991 by leading equity release providers and is dedicated to the protection of planholders and promotion of safe home income and equity release schemes.