Equity Release
Unlock Tax-Free Cash from Your Home
If you’re aged 55 or over and own your home, equity release could allow you to access tax-free cash tied up in your property—without needing to sell or move. Whether you’re looking to boost your retirement income, help family onto the property ladder, or enjoy the lifestyle you’ve worked hard for, equity release can provide flexible financial freedom.
At Alphakey Mortgages, we offer whole-of-market equity release advice across the UK, guiding you through the process with transparency, care, and expert insight. We only recommend plans approved by the Equity Release Council for your peace of mind.
Equity Release FAQs
What is equity release?
Equity release allows homeowners over 55 to access money tied up in their home, either as a lump sum or in smaller amounts over time. The most common product is a lifetime mortgage.
Will I still own my home?
Yes, with most equity release products—particularly lifetime mortgages—you remain the legal owner of your home.
Do I have to make monthly repayments?
No, unless you choose to. Many plans allow interest to roll up and be repaid when you pass away or move into long-term care. Some plans offer voluntary or flexible repayment options.
Will equity release affect my family’s inheritance?
It may reduce the value of your estate. However, many plans offer inheritance protection features to ringfence a portion of your property’s value.
Is equity release safe?
Yes—when properly advised. We only recommend plans from providers regulated by the Financial Conduct Authority (FCA) and approved by the Equity Release Council.
Equity release allows homeowners over 55 to access money tied up in their home, either as a lump sum or in smaller amounts over time. The most common product is a lifetime mortgage.Yes, with most equity release products—particularly lifetime mortgages—you remain the legal owner of your home.No, unless you choose to. Many plans allow interest to roll up and be repaid when you pass away or move into long-term care. Some plans offer voluntary or flexible repayment options.It may reduce the value of your estate. However, many plans offer inheritance protection features to ringfence a portion of your property’s value.Yes—when properly advised. We only recommend plans from providers regulated by the Financial Conduct Authority (FCA) and approved by the Equity Release Council.
Benefits of Equity Release
Access Tax-Free Cash
Stay in your home while unlocking a lump sum or regular income based on the value of your property.
Flexible Options to Suit Your Needs
Choose from lifetime mortgages or drawdown plans with optional interest repayments and inheritance protection.
Use Your Equity However You Like
Fund home improvements, clear debts, help your children with deposits—or simply enhance your retirement.
Regulated, Specialist Advice
We only recommend equity release products from providers that meet strict standards, ensuring fairness, safety, and long-term suitability.
Our Mortgage, Lending & Protection Services
Residential Mortgages
Access to residential mortgages from all UK lenders.
Residential Mortgages
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Buy-to-let, limited company, HMO, and holiday let mortgages.
Buy-To-Let Mortgages
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We offer flexible lending solutions for unique situations
Specialist Lending
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Cover your mortgage if life takes an unexpected turn.
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Protect your family’s future, no matter what.
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Personalised cover for life, income, health, home, and more.
Protection Services
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Commercial Mortgages are not regulated by the Financial Conduct Authority.