Equity Release

If you’ve built up value in your home and are considering releasing some of that equity, it’s important to explore your options with clarity and care. At CP Mortgage Solutions, we offer specialist, independent advice to help you understand whether equity release is the right path for your lifestyle, goals, and family plans.

Specialist Advice Tailored to Your Circumstances

Equity release can provide financial flexibility later in life - from boosting retirement income to helping loved ones or simply enjoying greater freedom.


But it’s a decision that carries long-term implications, and it should always be guided by a full understanding of the benefits and risks.


We take the time to understand your personal goals, family considerations, and financial position before discussing any product options. Our advice focuses on protecting your long-term wellbeing and helping you make an informed, confident choice.

Helping You Understand the Impact, Now and in the Future

We’ll clearly explain how equity release works and what it could mean for:

  • Your continued home ownership
  • Your future financial flexibility
  • Your estate and inheritance
  • Your tax position
  • Your long-term security
  • Your eligibility for alternatives or other later-life lending solutions



We ensure every part of the process is transparent, supportive, and fully aligned with your long-term plans.

Compassionate Guidance You Can Rely On

Equity release decisions are often tied to emotional and family considerations. You’ll have a compassionate, experienced adviser who listens carefully, explains without jargon, and ensures you fully understand every option available - including alternatives that may be more suitable.


Our role is to empower you to make a decision that truly supports your life, your future, and your loved ones.

Equity Release FAQs

  • 1. What is equity release?

    Equity release allows homeowners, typically aged 55+, to access some of the value tied up in their property without needing to move. This is usually done through a lifetime mortgage or home reversion plan.

  • 2. Will I still own my home?

    With a lifetime mortgage - the most common form of equity release - you remain the legal owner of your home. A home reversion plan works differently, and we’ll explain both options clearly.

  • 3. Will equity release affect my inheritance?

    It can reduce the value of the estate you leave behind. We’ll help you understand how this works and explore options to protect a portion of your home’s value if that’s important to you.

  • 4. Do I have to make monthly repayments?

    Many lifetime mortgages don’t require monthly payments. Interest can roll up and be repaid when the property is sold, but some plans allow voluntary payments. We’ll explain all available options.

  • 5. Are there alternatives to equity release?

    Yes - options like downsizing, retirement interest-only mortgages, or traditional remortgaging may be more suitable depending on your situation. We’ll discuss alternatives before recommending anything.

Risk Warning

Equity release plans are not right for everyone and it is important that you fully consider your options and receive impartial financial advice before making a decision. It is also important that, if you do decide to use an equity release product, you need to be sure it is one that meets your needs. If you would like to end your lifetime mortgage early, then you may have to pay a substantial early repayment charge. A professional adviser can help you to choose the plan that is right for you. To understand the features and risks, ask for a personalised illustration.