Equity release with OneFamily

Release equity from your home to live life the way you want. You'll need a specialist adviser to do this - and that's where OneFamily Advice can help

How do I release the equity in my home?

If you own a property and you are aged 55 or over, you could be eligible to release cash from your property using a lifetime mortgage. You continue to own and live in your home, and the full loan amount is repaid, from the proceeds of the sale of your property, when you die or move into long-term care.

OneFamily Advice is a member of the Equity Release Council. We recommend lifetime mortgage products with a ‘no negative equity guarantee’. This ensures you will never have to pay back more than the amount that is received from the sale of your home, as long as the terms and conditions of the mortgage are being met.

Our specialist regulated advisers will ensure you clearly understand how taking out a lifetime mortgage could impact your financial future, before you decide to proceed. They will ensure you understand how a lifetime mortgage will, however, reduce the value of your estate and how it may affect your entitlement to means tested state benefits.

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How much money could I release?

Our free equity release calculator will give you an idea of how much tax-free cash could be unlocked from your home. It takes less than a minute to fill in a few details and you can see an estimate of the amount that you could release. The maximum amount primarily depends on your age and the value of your home.

Please note, amounts will vary depending on individual circumstances.

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Maximum loan amount:

By providing your details you are giving us consent to contact you with equity release information. Read the OneFamily Privacy Notice.

Important: The loan amounts above are an illustration of the amount you could borrow. The actual amount may vary depending on your individual circumstances. The figures are not guaranteed and do not constitute an offer to lend. The loan amount will need to pay off any existing mortgage secured against the same property.

OneFamily Advice

Our advisers are qualified specialists and have years of experience in equity release. They are salaried rather than working on commission, so only have your best interests at heart.

We appreciate that releasing equity from your home is an important decision, so our advisers will spend time understanding your individual circumstances and anything concerning you. For us, it's key that you are aware of the options available to you, and that they are presented in a clear and understandable way. Our advisers offer tailored, impartial advice so you can always be confident in the decision you make. They will be on hand to answer any questions you may have whilst you are in the comfort of your home.

Video conferencing

Connect with our advisers through online video conferencing. Taking out a lifetime mortgage is a big decision, so get your family involved.

There is no limit to how many people can attend the video conference, giving you the opportunity to invite family members along to ask questions.

Fixed fee

We provide advice for a fixed fee of £950, paid on completion, no matter the size of the loan.

Other providers often charge a percentage of the loan, meaning it’s not always obvious how much you’ll end up paying. Find out more and see how we compare.

Whole-of-market advice

Our advisers search the whole market and assess every available lifetime mortgage. Our lifetime mortgage advice service can save you a great deal of time and money as we'll research all available providers and only recommend the best value product that is most suited to your needs.

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Speak to one of our advisers today

Give us a call for a chat about how a lifetime mortgage works, and ask any questions you might have.

In your free initial consultation your adviser will check you meet the basic criteria for a lifetime mortgage and ask questions to understand your current circumstances, should you wish to proceed.

Call OneFamily Advice

0800 144 8244*

Alternatively, book a time that works for you.

Book a consultation

*Lines are open Monday to Thursday 8am to 6:30pm, Friday 8am to 5:30pm and Saturday 10am to 2pm. Calls may be recorded and monitored for training purposes. Calls to freephone numbers are free from UK landlines and personal mobile phones. With business mobiles the cost will depend on your phone provider. If you'd like to know more, please ask your provider.

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OneFamily Advice is the trading name of OneFamily Advice Limited. OneFamily Advice Limited is registered in England and Wales at 16-17 West Street, Brighton, BN1 2RL registered number 09188369 and is authorised and regulated by the Financial Conduct Authority.