Mortgage Advice for Equity Release
Unlock value. Keep control.
Equity release allows homeowners aged 55 and over to access tax-free cash from their property, typically without the need for monthly repayments. Used carefully, it can support retirement income, fund lifestyle plans, or help family members financially.
Equity release is a long-term commitment and not right for everyone. Our role is to help you understand whether it’s suitable for your circumstances, explain the options clearly, and make sure any decision is taken with confidence and clarity.
Most first calls with a Haupt & Co Equity Release Specialist only take 15–20 minutes
No obligation, just clear advice
Understanding Equity Release
Equity release products allow you to unlock value from your home while continuing to live in it. The most common option is a Lifetime Mortgage, where interest is rolled up over time and repaid when the property is sold, usually after death or moving into long-term care.
Because equity release can affect your property value, estate, and potential inheritance, it’s essential to understand how it works, how interest builds over time, and what safeguards are in place. This is why specialist advice and careful consideration are so important.
What we do
At Haupt & Co, we provide specialist equity release advice focused on suitability, long-term impact, and peace of mind. We work exclusively with providers that meet Equity Release Council standards, including safeguards such as no negative equity guarantees.
We take time to understand your wider financial picture including future plans, family considerations, and alternative options so equity release is only recommended when it genuinely fits your needs. Our advice is clear, balanced, and designed to help you make an informed decision with confidence.
Haupt & Co is a whole-of-market, FCA regulated Mortgage Broker, specialising in simple & complex lending.
What we'll cover in an initial conversation:
- Whether equity release is suitable for you
- The long-term impact and alternatives
- How much could be released
- How equity release works in practice
No obligation - just straightforward guidance, tailored to your situation.
Most of our clients are referred to us by existing customers
How it Works
Whether you’re simply exploring options or ready to proceed, we guide you through each stage of the equity release process, explaining what to expect and managing the details on your behalf.
Understand
Research & Advice
Apply
Support
- We assess your property, age, and financial objectives
- We explain how interest works and the long-term implications
- We identify suitable equity release products and providers
- We handle the application and liaise with solicitors and valuers
- We remain closely involved through to completion
Clear advice, careful planning, and specialist support helping you make informed decisions about equity release, with confidence.
Equity Release FAQs
No two situations are the same. These are some of the questions we’re asked most often.
Is there any obligation to proceed with Equity Release by speaking with you?
No – there is absolutely no obligation to proceed.
At Haupt & Co, we understand that Equity Release can feel daunting. Older products have earned a poor reputation, the options can seem complex, and concerns about cost are entirely understandable.
Our first conversation is informal and pressure-free. It’s simply an opportunity to understand your situation, what you’re hoping to achieve, and whether Equity Release is genuinely appropriate for you.
Equity Release is typically something we only explore after other suitable options have been carefully considered or ruled out. Our role is to help you understand the full picture – not to steer you toward a particular product.
We take a patient, kind, and supportive approach. If Equity Release isn’t the right solution, we’ll help you explore the alternatives so you can make a decision feeling informed, comfortable, and at ease – whatever you choose to do next.
In simple terms, what is equity release?
Equity release is a way for homeowners aged 55 and over to access some of the value tied up in their property, without needing to move home or make regular monthly repayments.
The most common type of equity release is a lifetime mortgage, where you borrow against your home and the interest is added over time. The loan is usually repaid when the property is sold, typically after you pass away or move into long-term care. Some plans also offer flexibility, such as the option to make voluntary repayments or protect part of your property’s value for inheritance.
Equity release is a long-term financial commitment and isn’t suitable for everyone, which is why taking specialist advice is essential before proceeding.
Is equity release right for everyone?
No, equity release isn’t suitable for everyone and should always be considered carefully. It can be helpful in certain situations and be your best option, but it’s important to explore all alternatives first. We’ll help you understand whether equity release is appropriate for you before any decisions are made.
Will I still own my home?
Yes. With a lifetime mortgage which is the most common form of equity release, you retain ownership of your home and continue to live there for the rest of your life, provided you meet the terms of the agreement.
How is the loan repaid?
The loan is usually repaid when your home is sold, typically when you move into long-term care or pass away. Interest usually rolls up over time, although some products allow voluntary repayments to manage the balance.
Can I protect an inheritance for my family?
Many modern equity release products offer inheritance protection options, allowing you to ring-fence a portion of your property’s value for your beneficiaries. We’ll explain how this works and whether it’s suitable for you.
Can I make repayments if I want to?
Yes, some lifetime mortgages allow you to make voluntary repayments without penalty, helping to control the amount of interest that builds up. We’ll help you compare products that offer this flexibility.
What happens if I want to move home later?
Most equity release products are portable, meaning you can move the mortgage to a new property, subject to lender criteria. We’ll explain how portability works and what restrictions may apply.
Are there alternatives to equity release?
Yes, there are a few options you should consider first. Downsizing, using savings, or exploring other borrowing options may be more suitable. As part of our advice process, we’ll discuss all reasonable alternatives so you can make a fully informed decision.
Why is regulated advice important for equity release?
Equity release is a long-term commitment with lasting implications. FCA-regulated advice ensures products are suitable, risks are clearly explained, and your interests are protected throughout the process.