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 usually take 15–20 minutes, and you will never be rushed

No obligation, just clear advice

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Independent client reviews

Read independent reviews from clients we’ve helped across the UK.

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 an independent, FCA-regulated mortgage broker not tied to any one lender, specialising in simple & complex lending.

What we'll cover in an initial conversation:

No obligation - just straightforward guidance, tailored to your situation.

Most of our clients are referred to us by existing customers

What Our Clients Say

      
   Haupt & Co
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   Richard Jaehme 
 
 
 
 Trustindex verifies that the original source of the review is Google. I have used Haupt & Co for a number of remortgages now, Ed and his team always manage to beat the competition, when I cross-check their deals. Their customer service is excellent. I've also used them for life insurances, and Nick is fantastic at what he does. All of the team bring a very common-sense approach to their work, and they make things happen quickly. I would highly recommend.
  
 
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   Jack Walsh 
 
 
 
 Trustindex verifies that the original source of the review is Google. Can't recommend Ed, Nick and Steph at Haupt & Co highly enough. I've used them a number of times now - across both my residential mortgage and my rental - and the service has been spot on every time. They take the stress out of what can be a genuinely daunting process, explain everything in plain English, and always come back to you quickly. If you need a mortgage broker in Bristol, these are the people to call.
  
 
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   V R Heal 
 
 
 
 Trustindex verifies that the original source of the review is Google. Ed has helped me with a number of mortgages, buy to lets and residential. He is great to work with, really helpful and great advice. Would highly recommend.
  
 
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   Tom Luke 
 
 
 
 Trustindex verifies that the original source of the review is Google. Ed and Stef have been fantastic throughout the remortgaging of our house after a fixed term ended. They made it as stress free as possible and were completely clear about what was needed at every step as we went through.

I have already recommended them to friends and family and will continue to do so!
  
 
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   Jacob Flurry 
 
 
 
 Trustindex verifies that the original source of the review is Google. Ed at Haupt & Co has been great every time my mortgage is up for renewal or if I have general financial queries in the property market.
Always keeping me up to date with the best rates with my application and making the whole process as stress free as possible.
  
 
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   Paul Infanti 
 
 
 
 Trustindex verifies that the original source of the review is Google. Ed and the team were amazing from start to finish. They recently helped us with our remortgage and are now arranging a mortgage for our daughter as well.
Having access to the whole market really makes a difference, and the advice and process were completely seamless throughout.
We can’t recommend them highly enough — 5⭐ plus!
  
 
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   Claire Adams 
 
 
 
 Trustindex verifies that the original source of the review is Google. Ed has always been very knowledgeable on all different mortgages be it residential ,hmo , btl , commercial , which having a diverse portfolio is exactly what I require . Also prompt with mortgage applications and updates  while the mortgage proceeds. Always very happy to use this company .😊
  
 
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   Calum allen 
 
 
 
 Trustindex verifies that the original source of the review is Google. I’ve trusted Haupt & Co. and Edward Haupt for the past 7 years, and they have never let me down. Ed and Steph have been there through some of the most important and difficult times in my life, including helping me secure my first mortgage and guiding me with care and honesty when I needed it most. Their advice is always tailored to what’s best for me and my family, and I truly couldn’t have achieved what I have today without Ed’s support. I would highly recommend them to anyone looking for friendly, kind, and reliable advice

Thank you, Guys
  
 
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   Nikita Shellard 
 
 
 
 Trustindex verifies that the original source of the review is Google. Would highly recommend Haupt & Co to anyone looking for advice on mortgages, insurances or finance solutions. Edwards knowledge and expertise is second to none. He has supported us in securing mortgages at excellent rates, along with comprehensive insurance policies at great prices. Edward and the team are always responsive, professional and transparent and I trust them fully to support us with our financial decisions. Thank you Haupt & Co for helping to relieve the stress!
  
 
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   Alex Murray 
 
 
 
 Trustindex verifies that the original source of the review is Google. Couldn’t recommend Ed & his team more, no situation is too difficult for them and they are always looking out for the clients best interest with outstanding communication.
Thank for so much for helping us! We will definitely be using you again in future for the third time ☺️

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.

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.

Equity Release Advice You Can Rely On

With the right advice, equity release can offer flexible access to your home’s value while allowing you to remain in the place you love, with clarity and control.