GDA Equity Release Hub

What Is Equity Release?

Equity release allows homeowners aged 55 and over to access the value tied up in their property without having to sell or move. It provides a tax-free lump sum or regular income, which can be used for retirement planning, home improvements, helping family, or simply enjoying life. There are two types of equity release product: Lifetime Mortgages and Home Reversion Plans.

Lifetime Mortgages

  • You borrow against your home while retaining ownership.

  • Interest can be rolled up or paid monthly.

  • The loan is repaid when you pass away or move into long-term care.

Home Reversion

  • You sell part or all of your home to a provider in exchange for a lump sum or regular payments.

  • You retain the right to live in the property rent-free for life.

Key Benefits of Equity Release

  • Access to tax-free cash

  • No need to move home

  • Flexibility in how funds are used

  • Option to protect inheritance

  • Regulated by the Financial Conduct Authority (FCA)

Important Considerations

  • Reduces the value of your estate

  • May affect entitlement to means-tested benefits

  • Early repayment charges may apply

  • Interest can compound over time

Is Equity Release Right for You?

At GDA Financial Partners, we offer independent, FCA-regulated advice to help you decide if equity release suits your financial goals. We’ll assess your circumstances and explain all available options clearly and honestly.

Next Steps

📞 Contact Us for a free initial consultation

📍 Visit our London office or book a virtual appointment

🔒 All advice is confidential and tailored to your needs