Stage Financial

At Retirement-Equity Release


Equity Release Allows Access to Your Capital

Benefit from the equity tied up in your house now, that is if you are over 55. Own your home, then release tax-free cash to enjoy now.

Equity release lets homeowners aged 55 and over release tax-free cash from the value of their home. The amount you can release is based on your age and how much your home is worth. 

Equity release is a complex process and you need to speak to an adviser, such as Stage Financial, who can offer personalised regulated mortgage advice. We cover both regulated and lifetime mortgages (equity release), so giving you the best advice for your personal situation.

What is Equity Release? Am I Eligible?

Two important questions. Equity release gives you access to the equity in your house, without having to leave or sell your home. It’s a long-term loan, with your house used as security.

Depending on the equity release product you choose, you can claim your money as one big lump sum or as a series of smaller lump sums. Normally the money you have taken out of your house is paid back when your house is sold.

To be eligible, you need to be over 55 and own your home.

Benefits to me in retirement

How you spend your money is up to you, but Stage Financial’s clients have used it to help their children get on the property ladder, pay for personal financial requirements or just to make retirement more enjoyable and comfortable.

Points to Consider

You can either pay the interest regularly (monthly) or leave it to accumulate, to be paid back when your property is sold. However, most schemes now come with a ‘No-negative equity guarantee’, this means that your debt is never higher than the value of your property, meaning you can draw down the funds as monthly income, keeping the interest to a minimum.

Everyone’s situation is different, so I take the time to understand your specific situation and requirements. For example, conventional mortgages are based on how much you can afford, whereas equity release mortgages are asset-value led and your age, thanks to my platinum-level qualifications I can advise you on which route to take.

The Next Steps

If you’re interested in equity release and you believe you are eligible, then get in touch and I can talk you through the process and advise on the best way forward for you.


  • Equity Release & Lifetime Mortgages Plan will reduce the value of your estate and can affect your eligibility for means tested benefits.
  • The value of pensions and investments and the income they produce can fall as well as rise. Therefore, you may get back less than you invested. 
  • Tax treatment varies according to individual circumstances and is subject to change.
  • The Financial Conduct Authority does not regulate advice on estate planning and some forms of taxation.

Book a 15min Clarity Call