Equity Release Advice in London
My Later Life provides clear, independent, whole-of-market equity release advice for homeowners aged 55+ across London.
Stay in your London home
With a lifetime mortgage, you remain the legal owner of your property.
Release tax-free cash
Use funds for retirement income, home improvements, family support or clearing borrowing.
Regulated advice
My Later Life is FCA-regulated and a member of the Equity Release Council.
If you are a homeowner in London aged 55 or over, equity release could allow you to unlock tax-free cash from your home while continuing to live there.
London homeowners are often in a unique position. With property values typically higher than many other parts of the UK, equity release can provide a significant lump sum or flexible drawdown facility, depending on your age, health, property value and lender criteria.
The most common form of equity release is a lifetime mortgage. We also explain other routes, including home reversion plans, downsizing and alternative borrowing, so you can compare your options properly.
Most common
You borrow against the value of your home, remain the legal owner and usually repay the loan plus interest when the property is sold after death or moving into long-term care.
Flexible choices
Depending on the plan, you may be able to release one lump sum, set up a reserve facility for future withdrawals, or combine both approaches.
Equity release can be useful, but it is not right for everyone. It may reduce the inheritance you leave, affect means-tested benefits and increase the amount owed over time if interest rolls up.
Professional advice is essential. We will explain the costs, risks, protections and alternatives before you make any decision.
London property values mean some homeowners may qualify for higher equity release amounts than in other regions, but the exact figure depends on personal and property details.
Helpful next step: Use our equity release calculator or speak to a London equity release adviser for a personalised estimate.
Initial consultation
We discuss your home, aims, family circumstances and concerns.
Research
We compare suitable plans from across the equity release market.
Recommendation
You receive clear, tailored advice with the risks and benefits explained.
Application and legal work
We help with the paperwork and liaise with lenders and solicitors.
Funds released
Once complete, the funds are transferred to you.
Yes. The value of your home is one of the main factors lenders use when calculating how much you may be able to release. Your age, health and lender criteria also matter.
Possibly. Many flats are acceptable, but lenders will look at factors such as lease length, property type, building construction, service charges and whether the property meets their criteria.
Yes, many clients use equity release to gift money to children or grandchildren, including support with deposits. It is important to consider inheritance, affordability and long-term family plans before doing so.
Yes. We advise clients across London, including Westminster, Islington, Camden, Richmond, Ealing, Croydon, Bromley and surrounding areas.
Yes. We can usually provide advice by phone or video call, and where suitable we can also discuss local face-to-face options.
If you are considering equity release in London, we can provide clear, independent advice so you can make an informed decision with confidence.
Call 0207 100 4255 Request a Free ConsultationEquity release can help London homeowners access tax-free cash from their property, but it is also a major financial decision. With expert advice, you can understand the benefits, risks and alternatives before deciding what is right for you and your family.
This information is a guide only and should not be relied on as a recommendation or advice that any particular Equity Release product is suitable for you.
