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Don't Fall For The Myths About Equity Release

There are many myths surrounding equity release, from possibly losing your home to it not being safe.

Misconceptions like these have prevented many homeowners from properly considering equity release alongside all of their options, but the truth is largely different.

Explore why over 12,400 customers have chosen to speak with an expert from the Telegraph Media Group Equity Release Service, provided by Responsible Equity Release, to learn more about the financial solutions available later in life.*

Free guide to equity release.

Free guide

with every calculation

Discover The Truths

With a lifetime mortgage, the UK's most popular form of equity release, your home remains 100% your own. The ‘no negative equity guarantee’ ensures that you never owe more than the value of your home, protecting your loved ones from inheriting lifetime mortgage debt. Plus, with optional repayments, lifetime mortgages actually represent one of the most flexible types of borrowing available to you, meaning it is easier to balance your current wants with future needs.

Responsible Equity Release, provided by The Telegraph Media Group, has created a free guide to explain the role equity release can play in boosting your finances and explore why many of the UKs over 55s are choosing to release equity now.

  • You still own the property - 100% of it.
  • Your home cannot fall into negative equity.
  • You can ringfence a portion of your property value for inheritance with some plans.
  • You can choose to make optional repayments to reduce the roll-up of interest.
  • Equity release can be used to pay off existing mortgages.

If you're over 55 and your home is worth £70,000 or more use the Responsible Equity Release calculator below to see if you could be eligible to unlock tax-free cash from your home with equity release!

Proved by Responsible Equity Release

Free Equity Release Calculator

Request your free guide and calculate how much equity you could release from your home.

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5 Equity Release Myths Busted!


  • You still own the property - 100% of it.
  • Your home cannot fall into negative equity.
  • You can ringfence a portion of your property value for inheritance with some plans.
  • You can choose to make optional repayments to reduce the roll-up of interest.
  • Equity release can be used to pay off existing mortgages.


Proved by Responsible Equity Release

Free Equity Release Calculator

Just a few more details are needed to send you your free guide.

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Provided by Responsible Equity Release

Free Equity Release Calculator

Thank you, a few more details are needed to confirm your calculation and get you your free guide. If you provide your phone number, the Information Team will also be able to call you to answer any of your initial questions.

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What Could Equity Release Do For You?

  • Tax free funds from your home.
  • Gift an early inheritance.
  • Pay off existing mortgage/credit cards.

Things To Consider

  • Accessing some of your home's equity now means that there will be less available to your estate in the future.
  • If you are in receipt of means-tested benefits, then releasing equity could affect your entitlement to them.

Are You Eligible For Equity Release?

  • You are aged 55+ (minimum age lenders will accept).
  • You own your own home.
  • Your property is located in the UK.
  • Your property's value is at least £70,000.
  • You plan to release a minimum of £10,000.

Your expert adviser will clearly explain your eligibility and only recommend a plan that suits your personal circumstances.

More Questions?
Get in touch

If you have any further questions about the service, then you can contact Responsible Equity Release on:
0800 029 1210
(Mon-Fri 9am-8pm, Sat 9am-5pm).

You will reach the Information Team who can provide you with answers to your initial questions. It's a free service, with no obligation.

5-star advice, 5-star service

An expert service

The Telegraph Media Group Equity Release Service is provided by Responsible Equity Release to bring its customers a range of trusted equity release lenders approved by the Equity Release Council.

Responsible Equity Release is one of the UK’s largest equity release specialists made up of fully qualified and highly experienced advisers nationwide. They combine an old-fashioned service with efficient, modern processes.

Equity Release Council