Equity Release
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Unlock the Value in Your Home
Equity Release Solutions from Park Hill Equity Release
Your home is likely your biggest asset—but you don’t have to sell it to benefit from its value.
Equity Release lets you access tax-free cash from your home, without the need to move. Whether you want to boost your retirement income, help your family, or simply enjoy life more comfortably, we’re here to guide you through it—safely, clearly, and independently.
What Is Equity Release?
Equity Release allows homeowners aged 55 or over to release money tied up in their home while continuing to live in it.
There are two main types:
Lifetime Mortgage – a loan secured against your home, with no monthly repayments required. The loan (plus interest) is repaid when you pass away or move into long-term care.
Home Reversion Plan – you sell part (or all) of your home to a provider in exchange for a lump sum or regular payments, while retaining the right to live there rent-free.
Park Hill Equity Release, we only recommend plans approved by the Equity Release Council, which ensures strong consumer protection.
In Summary
- Equity release is available to homeowners who are aged 55 and over
- You still own and continue to live in your home
- Benefit from a lump sum mortgage, gradual drawdown or both!
- It is repayable upon death or moving into long term care, whichever occurs first
- Can be used for a wide variety of purposes
- No need to make monthly payments as interest can be rolled up
- Receive a tax free lump sum
- It can be used to purchase a property as well
Why Consider Equity Release?
Equity Release can be used for a wide range of purposes, such as:
- Supplementing your retirement income
- Paying off an existing mortgage or debt
- Making home improvements
- Helping children or grandchildren onto the property ladder
- Funding private care or lifestyle needs
- Gifting during your lifetime for inheritance planning
We make the complex simple—so you can make informed investment decisions.
How We Help
We provide clear, personal guidance through every stage of the process:
- Independent, whole-of-market equity release advice
- Simple explanations of costs, risks, and options
- Help with inheritance planning and alternatives
- Coordination with your solicitor and family (if you choose)
- Access to plans with no negative equity guarantee
We take the time to understand your goals—then help you make the choice that’s right for you.
Is Equity Release Right for You?
Equity Release is suitable for:
Homeowners aged 55 and over
Those who want to stay in their home long-term
Individuals or couples looking to free up capital in later life
It’s not suitable for everyone. We’ll help you explore all your options—including downsizing or other financial routes—so you can make a confident, informed decision.
The Process
01
Initial discussion where we talk about your ideas and answer any questions that you have. We’ll be able to give you a rough idea of how much you might be able to borrow and what sort of interest rates might be applicable
02
We would recommend then discussing your equity release plans with your family and we’d be happy to answer any questions that family members have
03
First appointment. In this meeting we gather all of the necessary information about you and your requirements
04
Research – we use all of the information gathered from the previous steps and conduct a full research exercise to narrow down the best possible solutions
05
Presentation – we have another meeting to present our recommendation to you and we can discuss any questions that you may have
06
Application – if you are happy to proceed we will move forward with submitting an application to our recommended lender and will submit all of the necessary documents to the lender on your behalf
07
Valuation – the lender will arrange an appointment with you to value the property
08
Offer – Assuming all goes well with the application process and valuation the lender will issue the formal mortgage offer
09
Legals – now it is over to your solicitor to progress matters to completion
Frequently Asked Questions
How long will an application take to process?
What is the minimum and maximum age to be able to take out an equity release mortgage?
The minimum age to take out an equity release mortgage is 55 for the youngest applicant (if joint). There’s no maximum age but some lenders have their own maximum age limits