Discover how equity release works and how it may help you

Our Equity Release Products could help give you the freedom to really enjoy your retirement. Your home may be repossessed if you do not keep up repayments on your mortgage. Equity Release will reduce the value of your estate and can affect your eligibility for means tested benefits.

Have you considered equity release as a way of making your retirement years a bit more comfortable and enjoyable? Yes, in the past it has received negative press but now comes under the regulation of the Financial Conduct Authority, the same as traditional residential mortgages. Large recognised lenders have entered the market in recent years and product development means that you can be infinitely more confident to consider these products than you might have been 10 or 15 years ago. Put it this way, we have recommended it to our own family members so we pass the ‘would you recommend it to your own parents’ test as we already have.

So many people have the majority of their overall wealth tied up in their home and whilst we fully understand that many wish to ensure a legacy is left behind for family, it is also true that you are entitled to enjoy your life whilst you are still here, live and kicking. From our experience, people tend to release comparatively modest percentages of their property value, typically 10%-40% leaving a sizable amount of equity in the property. When you consider historical house price increases then if set-up correctly, there should be a healthy amount left over.

So what is Equity Release and how does it work?

Equity release is a way to turn equity tied up in your property into tax free money that you are free to use however you wish. Maybe you want to help a family member, perhaps you wish to improve your home, pay off the last of your mortgage or even just treat yourself to something you have always wanted after decades of working hard and paying bills. You are allowed you know, you don’t have to feel guilty.

If you are 55 or older and own your own home, it is very likely that you will be eligible. You can release a lump sum, set up a regular income, put a reserve into place or a combination of all 3, things are far more flexible these days.

Importantly, you are free to remain in the home you love whilst also retaining ownership, the money only being repayable when you permanently leave the property, either moving into care or passing away. You can make monthly payments if you wish but there is no requirement to do so making it especially useful when money is tight.

No doubt you will be wondering if equity release is right for you and as a local family run independent company, that’s where we come in.

Our promise to you

We never apply any pressure and there will never be any obligation here at Marble Financial Planning, we simply make you aware of all aspects of any plan under consideration in simple terms and then leave you to decide. To make you feel comfortable with us we only charge our fee on satisfactory completion of the entire process so if you decide against it at any point, then the time and costs are on us, you’ve simply become better informed.

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