Is equity release safe?

Equity release is a regulated financial product, and all lifetime mortgages must meet standards set by the Financial Conduct Authority (FCA). Providers who follow Equity Release Council (ERC) standards must also offer protections such as the no‑negative‑equity guarantee and the right to remain in your home for life.

However, equity release isn’t suitable for everyone. It is a long‑term commitment that can reduce the value of your estate, affect your entitlement to welfare benefits, and lead to interest building up over time if you don’t make repayments.

That’s why it’s important to get specialist advice from a regulated equity release adviser, who will assess whether it’s right for your circumstances and explain all the risks and alternatives.

Answering equity release concerns.