If you’re not planning to move, applying for equity release or otherwise known as a lifetime mortgage, will enable you to access the equity in your property as tax free funds.

Equity Release Council accreditation

What Our Clients Say

I have only the highest praise for Ian Ward who provided exceptional, professional advice and clearly explained every stage of the Equity Release process to me. Nothing was rushed and he kept me regularly updated via phone calls and emails.

Gillian Webb

Ian Ward was very helpful. He explained everything so we could understand and was always on hand when we needed him.

Irene and Kenny Parry

All point explanations were excellent. Where we were a little confused, he explained in a simple positive manner.

Josephine and Christopher Heyland

Very professional. Made the process very simple and very easy.

Maura Helena Critchley

Very helpful and understanding, extremely professional and can't thank Ian enough for persevering and finding suitable mortgage with challenges he faced.

Stewart and Deborah Jones

The level of service provided was excellent. Ian ensured that we understood each stage of the process and made it clear to us that we should raise any questions that we might have, at any point.

Simon and Jane Dukes

A high level of service conducted with clarity and courtesy.

Katherine Louise Salmon

Their advice has given me peace of mind about my financial future. Professional, knowledgable, and always responsive.

Kathryn Noelle Haydon

We did have some concerns and questions about Equity Release but these were fully explained and answered. We felt the advisor had a good understanding of our requirements and priorities before undertaking any research.

Pam Allison

I have no hesitation whatsoever in recommending Ian personally and Willson Grange in general if you are looking for a trustworthy, highly competent independent equity release specialists.

Kelvin and Lorraine Maskell

I have used the Independent Equity Release services of Willson Grange Mortgages. Any questions & concerns I have had have always been addressed in a timely manner and explained in a clear understandable language

Gill Robinson

Financial Freedom Later in Life

Unlock the hidden value of your home with an equity release plan from Willson Grange. You can stay in your home for the rest of your life with no contractual monthly payments or loss of ownership and enjoy a tax-free lump sum to spend as you please.

As trusted independent equity release advisers with over 25 years of experience, we provide a bespoke approach to your equity release, built around your retirement plans and unique circumstances.

How We Can Help

  • Free initial consultation to understand your goals and financial needs

  • Personalised recommendations based on your circumstances

  • Clear explanations of the costs, features, and implications of equity release

  • Access to products from leading lenders across the market

  • Support throughout entire process from enquiry to completion

  • Ongoing assistance should your circumstances or needs change

Use Our Equity Release Calculator

Equity release calculator

See how much you could release

Enter your details to see an instant estimate. This is an illustration only and not a personalised recommendation.

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Lifetime Mortgages

  • Keep full ownership of your home

  • Borrow money secured against your property

  • Interest can be paid monthly or rolled up so nothing is due during your lifetime

  • Loan (plus interest) repaid when you die or move into long-term care

  • Transferable to another property should you decide to downsize in the future

  • How much you can borrow depends on: your age, your health, and the value of your home

Home Reversion Plans

  • Sell part or all of your home for a lump sum or regular income

  • Stay in your home for life, usually rent-free

  • Know exactly what portion is yours – helpful for leaving an inheritance

  • Ownership percentage stays the same even if property values rise

  • Usually available from age 60

Who We Help

  • UK Homeowners with a property worth at least £75,000

  • People aged 55 and over

  • Those wanting to release equity from their main residence

  • Those looking to unlock funds without moving home

Our Equity Release Process

  • 01

    Initial Consultation Meeting

    This initial consultation is for our independent advisers to understand fully your current needs and circumstances, enabling us to check your eligibility for a lifetime mortgage and to then source the whole market for a suitable, competitive, lifetime mortgage option that achieves your needs.

  • 02

    Property and Finances Audit

    We will ask to analyse details of your income, outgoings, any benefits, along with an estimated value of your home.

  • 03

    Create Bespoke Strategy

    Our independent equity release service provides specialist advice tailored to you. We’ll talk through every aspect of the lifetime mortgage option(s) provided to you so there are no surprises, ensuring that you understand things fully.

  • 04

    Review Application

    If you decide to go ahead, we’ll then submit your lifetime mortgage application to the chosen lender. Once the lender’s initial underwriting has been completed, they will then arrange for your property to be valued by one of their surveyors. The outcome of the lender’s valuation of your property may affect the lifetime mortgage amount applied for.

  • 05

    Offer Issuance & Post Offer

    Once your lifetime mortgage has been formally approved by your chosen lender, you will receive your formal mortgage offer. You will require a solicitor to act for you for your lifetime mortgage. You can choose your own firm or we can provide you with a recommended specialist firm to independently act for you. We then work alongside your chosen solicitor to complete all the post offer requirements to achieve a completion date and payout of your equity release - tax free cash lump.

  • 06

    Follow-up Meeting

    Following completion of your lifetime mortgage, we’ll touch base at a later date to see how your finances are doing and if there is anything else we can help with.

Why Choose Willson Grange?

  • Thousands of clients successfully advised

  • Over 25 years of experience

  • Supporting clients nationwide

  • Highly experienced and dedicated team

Frequently Asked Questions

How much does it cost to release equity?

Your independent equity release mortgage advisor will provide a personalised roadmap for your lifetime mortgage, including any fees you could pay along the way. For example, property valuation fee, lender product fee, our independent broker advice fee together with your nominated solicitor charges.

How much equity could I release?

This is entirely dependent on your age(s), your property type, the value of your property, the surrounding area, along with your personal and financial circumstances. Typically, you will be able to release between 20% and 60% of the total value of your property.

Do I still own 100% of my property after a lifetime mortgage equity release?

Under a lifetime mortgage equity release plan, you retain ownership of 100% of your property.

Do I still own 100% of my property after a home reversion equity release?

No, you do not retain 100% of your property ownership under a home reversion equity release. As part of home reversion, you sell part or all of your property for a tax-free lump sum and a lifetime lease. Any part of your home that you sell under a home reversion no longer belongs to you.

Can I pay off equity release early?

Yes. You can pay back some or all of your lifetime mortgage early. However, this might not always be the best option, and you will likely have to pay an early repayment charge. If you’re considering repayment options, it’s best to speak to your independent equity release advisor.

What can equity release be used for?

Equity release is a way for people over 55 to access tax-free cash. How you spend this cash is entirely up to you. It could be used for clearing debts, home improvements, other property expenditure, boosting retirement income, funding personal transport, and providing financial support to friends and family.

Get independent equity release advice that aligns with your retirement plans.

Equity release may involve a lifetime mortgage, secured against your property, or a home reversion plan. It reduces the value of your estate and impacts funding long⁠–⁠⁠term care. To understand the features and risks ask for a personalised illustration.

Equity release requires paying off any existing mortgage. Any money released, plus accrued interest would be repaid upon death, or moving into long⁠–⁠term care.

Equity release may affect your entitlement to means⁠⁠⁠–⁠tested benefits both now and in the future.

Advice is required to proceed with equity release and there may be other options which better suit your circumstances. We provide initial advice for free and without obligation. Only if your case completes would our typical advice fee of £1,495.00 be payable. Other lender and solicitor fees may apply.

Willson Grange Mortgages is a trading style of Willson Grange Limited, who are authorised and regulated by the Financial Conduct Authority (FCA) No. 593803.  Registered in England No. 08333890