Concise Finance Equity Release

Concise Finance offers information on equity release products for people aged 55 and over.

Even if you still have a mortgage, we can help you release the tax-free money you need.

• Help your family buy their first home
• Have your dream holiday or buy a motorhome
• Get money to improve or extend your home
• Use finance to manage your estate or inheritance tax bill
• Pay down debts you have and supplement your income

How much cash can I release?

You can get 60% of your home’s valuation. As an example, if your house is valued at £350,000, you can borrow £210,000.

Banks and familiar names

A familiar bank name makes a complex subject feel easier. The product type and the applicant’s circumstances still need separate attention.

This section covers equity release, lifetime mortgages, retirement mortgages and other later-life borrowing searches.

HSBC

Several HSBC pages address later-life mortgage searches. Separate entries cover retirement, lifetime, interest-only and pensioner mortgage subjects.

HSBC appears in retirement mortgage searches alongside other high-street lenders. The page devoted to HSBC retirement mortgages keeps the topic separate.

HSBC appears in lifetime mortgage searches alongside specialist providers. Use the page on HSBC lifetime mortgages as a reference point.

HSBC appears in equity release searches alongside banks and specialist providers. The relevant guide covers HSBC equity release.

HSBC has a separate entry for lifetime interest-only mortgage options. A dedicated page covers HSBC lifetime interest-only mortgage options.

Lifetime interest-only mortgage research involving HSBC has its own guide. Our information on HSBC lifetime interest-only mortgages keeps the subject easy to find.

HSBC appears in pensioner mortgage searches for older borrowers. The relevant guide covers HSBC pensioner mortgages.

NatWest

The site covers NatWest across equity release, lifetime mortgages and retirement borrowing. Separate entries address interest-only and pensioner mortgage searches.

Lifetime mortgage research involving NatWest deserves a separate entry. Our information on NatWest lifetime mortgages separates this subject from similar searches.

NatWest appears in retirement mortgage searches alongside other high-street lenders. Read more about NatWest retirement mortgages.

A wider equity release comparison often includes NatWest. Our notes on NatWest equity release provide a useful starting point.

Interest-only research involving NatWest deserves its own entry. The guide covering NatWest lifetime interest-only mortgages gives a practical starting point.

Pensioner mortgage research involving NatWest deserves a separate entry. Our information on NatWest pensioner mortgages keeps the subject easy to find.

Nationwide

Nationwide has general product pages and guides tied to a borrower’s age. Research can begin with either the product or the age range.

A wider equity release comparison often includes Nationwide. Find the relevant material under Nationwide equity release.

Nationwide appears in lifetime mortgage searches alongside specialist providers. Read our page covering Nationwide lifetime mortgages.

A wider retirement mortgage comparison often includes Nationwide. Begin with the guide to Nationwide retirement mortgages, then note any questions.

Age-specific research involving Nationwide includes borrowers over 55. A dedicated page covers Nationwide mortgages for people over 55.

Nationwide has a separate search entry for borrowers over 60. Start with our information on Nationwide mortgages for people over 60.

Age-specific research involving Nationwide includes borrowers over 65. Our guide to Nationwide mortgages for people over 65 deals with that search.

Nationwide has a separate search entry for borrowers over 70. Examine the subject through our page on Nationwide mortgages for people over 70.

Age-specific research involving Nationwide includes borrowers over 75. Continue with our guide to Nationwide mortgages for people over 75.

Nationwide appears in pensioner mortgage searches for older borrowers. The section on Nationwide pensioner mortgages gives this search its own space.

the benefits of Nationwide appears in equity release searches alongside banks and specialist providers. Our information on the benefits of Nationwide equity release keeps the subject easy to find.

Interest-only research involving Nationwide deserves its own entry. Our information on Nationwide lifetime interest-only mortgages keeps the subject easy to find.

Santander

The Santander pages address equity release, lifetime mortgages and retirement borrowing. Another entry covers pensioner mortgage searches.

Santander appears in equity release searches alongside banks and specialist providers. Continue with our page on Santander equity release.

Santander appears in lifetime mortgage searches alongside specialist providers. Our separate guide covers Santander lifetime mortgages.

Retirement mortgage research involving Santander deserves a separate entry. Our page about Santander retirement mortgages helps organise the comparison.

A Santander comparison can include a distinct interest-only search. Our information on Santander lifetime interest-only mortgages separates this subject from similar searches.

Santander appears in pensioner mortgage searches for older borrowers. Continue with our guide to Santander pensioner mortgages.

Halifax

Five Halifax pages address distinct later-life borrowing subjects. They include equity release, interest-only mortgages and retirement mortgages.

A wider equity release comparison often includes Halifax. Use the page on Halifax equity release options as a reference point.

Interest-only research involving Halifax deserves its own entry. Explore Halifax lifetime interest-only mortgages in more detail.

A wider lifetime mortgage comparison often includes Halifax. Take a closer look at Halifax lifetime mortgages before moving to another lender.

Halifax appears in pensioner mortgage searches for older borrowers. Our fuller guide covers Halifax pensioner mortgages.

Retirement mortgage research involving Halifax deserves a separate entry. Our guide to Halifax retirement mortgages deals with that search.

Lloyds Bank

Ten Lloyds Bank pages address closely related searches. The subjects include equity release, lifetime borrowing, retirement mortgages and pensioner mortgages.

Equity release research involving Lloyds Bank deserves a separate entry. Our page covering Lloyds Bank equity release options brings the topic into focus.

Interest-only research involving Lloyds Bank deserves its own entry. Review Lloyds Bank lifetime interest-only mortgage options next.

Lloyds Bank appears in lifetime mortgage searches alongside specialist providers. Continue with our guide to Lloyds Bank lifetime mortgage options.

Lloyds Bank appears in searches for pensioner mortgages among older borrowers. Read our page covering Lloyds Bank pensioner mortgage options.

Lloyds appears in equity release searches alongside banks and specialist providers. Begin with the guide to Lloyds equity release information, then note any questions.

Interest-only research involving Lloyds deserves its own entry. Our fuller guide covers Lloyds lifetime interest-only mortgages.

Lifetime mortgage research involving Lloyds deserves a separate entry. Our information on Lloyds lifetime mortgages separates this subject from similar searches.

A broader pensioner mortgage comparison often includes Lloyds. Start with our information on Lloyds pensioner mortgages.

Lloyds Bank appears in retirement mortgage searches alongside other high-street lenders. Explore our information on Lloyds Bank retirement mortgage options before widening the search.

Retirement mortgage research involving Lloyds deserves a separate entry. Our separate guide covers Lloyds retirement mortgages.

Bank of Scotland

The Bank of Scotland mortgage page adds another high-street lender to the wider comparison.

Research involving Bank of Scotland deserves its own place in the lender shortlist. Use the page on Bank of Scotland mortgage options as a reference point.

Royal Bank of Scotland and other banks

The remaining bank pages include Royal Bank of Scotland, TSB, Yorkshire Bank and Metro Bank.

A wider equity release comparison often includes Royal Bank of Scotland. Examine the subject through our page on Royal Bank of Scotland equity release.

Lifetime mortgage research involving Royal Bank of Scotland deserves a separate entry. Our information on Royal Bank of Scotland lifetime mortgages keeps the subject easy to find.

Royal Bank of Scotland appears in retirement mortgage searches alongside other high-street lenders. Use the page on Royal Bank of Scotland retirement mortgages as a reference point.

TSB appears in equity release searches alongside banks and specialist providers. Use the page on TSB equity release as a reference point.

A wider equity release comparison often includes Yorkshire Bank. Explore our information on Yorkshire Bank equity release before widening the search.

A wider equity release comparison often includes Metro Bank. Our guide to Metro Bank equity release deals with that search.

Later-life lenders and advisers

Banks form only one part of the later-life market. Insurers, specialist providers and advice businesses also appear in many comparisons.

A sound comparison considers the provider, the product, the property and the homeowner’s plans.

A broader equity release shortlist often includes Canada Life. Begin with the guide to Canada Life equity release, then note any questions.

Equity release research involving Sun Life deserves a separate entry. Our separate page covers Sun Life equity release in more detail.

Equity release research involving Aviva deserves a separate entry. See our guide to Aviva equity release before comparing another option.

Equity release research involving Age Partnership deserves a separate entry. Our notes on Age Partnership equity release provide a useful starting point.

Equity release research involving Key deserves a separate entry. Explore Key Retirement equity release in more detail.

Lifetime mortgage research involving Liverpool Victoria deserves a separate entry. Read more about Liverpool Victoria lifetime mortgages.

Liverpool Victoria appears in equity release searches alongside banks and specialist firms. See our guide to Liverpool Victoria equity release before comparing another option.

A broader equity release shortlist often includes LV. Our information on LV equity release keeps the subject easy to find.

Hodge appears in equity release searches alongside banks and specialist firms. Begin with the guide to Hodge equity release, then note any questions.

A broader equity release shortlist often includes Just Retirement. Our fuller guide covers Just Retirement equity release.

Legal & General appears in equity release searches alongside banks and specialist firms. Take a closer look at Legal & General equity release before moving to another lender.

Legal & General forms part of the wider later-life provider comparison. Read our guide to Legal & General later-life lending for a closer look.

Equity release research involving Bridgewater deserves a separate entry. Explore Bridgewater equity release in more detail.

Progressive Building Society appears in equity release searches alongside banks and specialist firms. Read our guide to Progressive Building Society equity release for a closer look.

Crown Equity Release appears in equity release searches alongside banks and specialist firms. Continue with our page on Crown Equity Release options.

Crown appears in equity release searches alongside banks and specialist firms. Examine the subject through our page on Crown equity release for UK property.

Building societies

Building societies range from large national names to smaller regional lenders. Their products and lending criteria differ.

Including societies broadens a shortlist that otherwise contains only the largest banks.

Building societies from A to F

Bath Building Society adds a building society name to the lender comparison. Read more about Bath Building Society equity release when researching this route.

Barnsley Building Society deserves a separate place in a broad lender shortlist. Read our page covering Barnsley Building Society equity release.

Research into regional and mutual lenders often reaches Beverley Building Society. A dedicated page covers Beverley Building Society equity release.

Research into regional and mutual lenders often reaches Buckinghamshire Building Society. Our separate page covers Buckinghamshire Building Society equity release in more detail.

Cambridge Building Society deserves a separate place in a broad lender shortlist. Read our page covering Cambridge Building Society equity release.

A balanced mortgage search keeps Cheshire Building Society distinct from the largest banks. Read our page covering Cheshire Building Society equity release.

Chorley and District Building Society deserves a separate place in a broad lender shortlist. Start with our information on Chorley and District Building Society equity release.

Cumberland Building Society gives borrowers another building society to examine. Read more about Cumberland Building Society equity release when researching this route.

Darlington Building Society deserves a separate place in a broad lender shortlist. See our guide to Darlington Building Society equity release before comparing another option.

Research into regional and mutual lenders often reaches Derbyshire Building Society. The guide to Derbyshire Building Society equity release supports the rest of the research.

A wider building society search often includes Dudley Building Society. Take a closer look at Dudley Building Society equity release before moving to another lender.

A balanced mortgage search keeps Earl Shilton Building Society distinct from the largest banks. Begin with the guide to Earl Shilton Building Society equity release, then note any questions.

Research into regional and mutual lenders often reaches Ecology Building Society. Examine the subject through our page on Ecology Building Society equity release.

Furness Building Society gives borrowers another building society to examine. Our information on Furness Building Society equity release separates this subject from similar searches.

A balanced mortgage search keeps Coventry Building Society distinct from the largest banks. Continue with our guide to Coventry Building Society equity release.

Building societies from H to M

Hanley Economic Building Society gives borrowers another building society to examine. The guide covering Hanley Economic Building Society equity release gives a practical starting point.

Harpenden Building Society deserves a separate place in a broad lender shortlist. Read our guide to Harpenden Building Society equity release for a closer look.

Hinckley and Rugby Building Society gives borrowers another building society to examine. A dedicated page covers Hinckley and Rugby Building Society equity release.

Ipswich Building Society adds a building society name to the lender comparison. Our page covering Ipswich Building Society equity release brings the topic into focus.

Research into regional and mutual lenders often reaches Leeds Building Society. The guide covering Leeds Building Society equity release gives a practical starting point.

Research into regional and mutual lenders often reaches Leek United Building Society. Explore our information on Leek United Building Society equity release before widening the search.

Research into regional and mutual lenders often reaches Loughborough Building Society. Continue with our guide to Loughborough Building Society equity release.

Research into regional and mutual lenders often reaches Manchester Building Society. Continue with our guide to Manchester Building Society equity release.

A wider building society search often includes Mansfield Building Society. The relevant guide covers Mansfield Building Society equity release.

Market Harborough Building Society gives borrowers another building society to examine. Our page covering Market Harborough Building Society equity release brings the topic into focus.

Marsden Building Society deserves a separate place in a broad lender shortlist. Our fuller guide covers Marsden Building Society equity release.

Melton Mowbray Building Society gives borrowers another building society to examine. Our notes on Melton Mowbray Building Society equity release provide a useful starting point.

Monmouthshire Building Society deserves a separate place in a broad lender shortlist. Our page covering Monmouthshire Building Society equity release brings the topic into focus.

A wider building society search often includes London Building Society. Our notes on London Building Society equity release provide a useful starting point.

Building societies from N to Y

National Counties Building Society gives borrowers another building society to examine. Our notes on National Counties Building Society equity release provide a useful starting point.

Newbury Building Society deserves a separate place in a broad lender shortlist. Our information on Newbury Building Society equity release keeps the subject easy to find.

A wider building society search often includes Newcastle Building Society. Our guide to Newcastle Building Society equity release gives the subject its own page.

A balanced mortgage search keeps Nottingham Building Society distinct from the largest banks. Review Nottingham Building Society equity release next.

A balanced mortgage search keeps Penrith Building Society distinct from the largest banks. Our guide to Penrith Building Society equity release gives the subject its own page.

A wider building society search often includes Principality Building Society. Our page covering Principality Building Society equity release brings the topic into focus.

A balanced mortgage search keeps Scottish Building Society distinct from the largest banks. Examine the subject through our page on Scottish Building Society equity release.

A balanced mortgage search keeps Swansea Building Society distinct from the largest banks. Start with our information on Swansea Building Society equity release.

Saffron Building Society gives borrowers another building society to examine. See our guide to Saffron Building Society equity release before comparing another option.

A balanced mortgage search keeps Skipton Building Society distinct from the largest banks. Our information on Skipton Building Society equity release keeps the subject easy to find.

A balanced mortgage search keeps Stafford Railway Building Society distinct from the largest banks. The guide to Stafford Railway Building Society equity release supports the rest of the research.

Teachers Building Society adds a building society name to the lender comparison. Our page about Teachers Building Society equity release helps organise the comparison.

A balanced mortgage search keeps Tipton and Coseley Building Society distinct from the largest banks. The guide to Tipton and Coseley Building Society equity release supports the rest of the research.

Vernon Building Society deserves a separate place in a broad lender shortlist. Read our guide to Vernon Building Society equity release for a closer look.

West Bromwich Building Society gives borrowers another building society to examine. Begin with the guide to West Bromwich Building Society equity release, then note any questions.

A wider building society search often includes Yorkshire Building Society. Read more about Yorkshire Building Society equity release when researching this route.

Age and borrowing in retirement

Age provides one of the first ways to narrow a broad product search. Income, property and borrowing needs also matter.

The guides cover people below the usual later-life age range and borrowers aged 55, 60, 65 and 70.

Borrowing below age 40 needs a different starting point from a standard retirement search. The section on equity release for people under 40 gives this search its own space.

Borrowing below age 50 sits outside many conventional later-life searches. Our information on equity release for people under 50 keeps the subject easy to find.

Age 50 creates a distinct starting point for later-life borrowing research. Our notes on equity release at age 50 provide a useful starting point.

Borrowing below age 55 deserves its own place in the research. Our information on equity release for people under 55 separates this subject from similar searches.

Borrowing below age 60 covers a wide range of homeowner circumstances. Our page about equity release for people under 60 helps organise the comparison.

Borrowers over 55 often begin with information tied to their age group. Start with our information on mortgages for people over 55.

Borrowers over 60 have a separate age range to consider. The relevant guide covers mortgages for people over 60.

Borrowers over 65 often want mortgage information organised by age. A dedicated page covers mortgages for people over 65.

Borrowers over 70 have a distinct set of search terms. Continue with our page on mortgages for people over 70.

Homes that need a closer look

Some properties need a specialised search because of their construction, title, condition or surroundings.

Naming the unusual feature clearly makes the next stage of research easier.

Flats and lease length

A clear description helps lenders assess studio flats. Our information on equity release for studio flats separates this subject from similar searches.

High-rise flats deserve a focused property search. Read our guide to equity release for high-rise flats for a closer look.

Flats above shops need a separate place in the property comparison. Our information on equity release for flats above shops separates this subject from similar searches.

Short-lease properties need a separate place in the property comparison. Examine the subject through our page on equity release for short-lease properties.

Flats with short leases benefit from a more targeted search. Our page covering equity release for flats with short leases brings the topic into focus.

Construction and roof types

Single-skin brick properties need a separate place in the property comparison. Examine the subject through our page on equity release for single-skin brick properties.

A clear description helps lenders assess bisf steel-frame homes. Read more about equity release for BISF steel-frame homes when researching this route.

Research involving prc concrete homes starts with an accurate description. Read more about equity release for PRC concrete homes.

Research involving modern timber-frame homes starts with an accurate description. A dedicated page covers equity release for modern timber-frame homes.

Period timber-frame and thatched homes benefit from a more targeted search. Our fuller guide covers equity release for period timber-frame and thatched homes.

A clear description helps lenders assess properties with flat roofs. Use the page on equity release for properties with flat roofs as a reference point.

Ownership, condition and nearby risks

Properties with flying or creeping freeholds deserve a focused property search. See our guide to equity release for properties with flying or creeping freeholds before comparing another option.

Homes with annexes deserve a focused property search. Read our page covering equity release for homes with annexes.

Former local authority homes need a separate place in the property comparison. Use the page on equity release for former local authority homes as a reference point.

Underpinned properties raise questions that a standard house does not. See our guide to equity release for underpinned properties before comparing another option.

A clear description helps lenders assess new-build homes. Review equity release for new-build homes next.

Properties on contaminated land need a separate place in the property comparison. The relevant guide covers equity release for properties on contaminated land.

A clear description helps lenders assess properties affected by japanese knotweed. Begin with the guide to equity release for properties affected by Japanese knotweed, then note any questions.

Research involving homes in flood-risk areas starts with an accurate description. Review equity release for homes in flood-risk areas next.

Homes near power lines need a separate place in the property comparison. The guide covering equity release for homes near power lines gives a practical starting point.

Land, farms and rural homes

Rural properties combine a home, land and sometimes business use. Acreage or an agricultural restriction also deserves separate attention.

A clear description helps lenders assess properties with agricultural ties. Read more about equity release for properties with agricultural ties when researching this route.

Farms and rural properties need a separate place in the property comparison. Our information on equity release for farms and rural properties keeps the subject easy to find.

Properties with more than ten acres benefit from a more targeted search. Read our page covering equity release for properties with more than ten acres.

Ways to use later-life finance

People consider later-life borrowing for many reasons. The purpose of the funds matters as much as the lender name.

These pages cover purchases, existing mortgages, credit history, costs, ownership and repayment choices.

An existing mortgage is often the first issue a homeowner wants to address. Use the page on equity release to repay a mortgage as a reference point.

A home purchase creates a different search from releasing money from a current property. Our page about lifetime mortgages for a home purchase helps organise the comparison.

Buying another home gives later-life borrowing a clear purpose. Our fuller guide covers lifetime mortgage to buy a home.

A rental property needs a separate search from an owner-occupied home. Read more about equity release on buy-to-let property when researching this route.

Past credit problems change the information a borrower wants to find. Find the relevant material under equity release with adverse credit.

A no-credit-check search uses different wording from a standard lender comparison. The section on equity release without a credit check gives this search its own space.

Lender fees form one part of the total cost comparison. Our separate page covers equity release with no lender fees in more detail.

Rate research works best when the product and the provider remain clear. Our page covering best equity release rates brings the topic into focus.

Lifetime mortgage rates deserve a separate place in the cost research. Read our guide to lifetime mortgage rates for a closer look.

A company comparison works best after the product type is clear. See our guide to equity release companies before comparing another option.

Scheme research helps organise a broad range of lifetime mortgage searches. Our notes on lifetime mortgage schemes provide a useful starting point.

Voluntary repayments matter to homeowners who value flexibility. Explore our information on lifetime mortgages with voluntary payments before widening the search.

Joint ownership deserves attention before borrowing options are compared. Use the page on equity release on jointly owned property as a reference point.

Tenants in common need information tied to their ownership arrangement. Read our guide to equity release for tenants in common for a closer look.

UK location guides

Local property markets add context to a national mortgage search. Building types and property values vary by area.

The regional guides cover locations in England, Scotland and Northern Ireland.

Edinburgh property research adds local context to a national mortgage search. Find the relevant material under equity release in Edinburgh.

Gloucester property research adds local context to a national mortgage search. Continue with our page on equity release in Gloucester.

Belfast property research belongs within the wider Northern Ireland comparison. Our page covering equity release in Belfast brings the topic into focus.

Northern Ireland has its own regional context for property and mortgage research. Read more about equity release in Northern Ireland.

A broader Northern Ireland guide brings several local questions together. Begin with the guide to equity release across Northern Ireland, then note any questions.