At Liddle Perrett, we speak to many clients over 55 who are considering equity release mortgages as part of their retirement planning or to support loved ones financially. Whether it’s to boost your pension income, fund home improvements, or help your children onto the property ladder, equity release is becoming a far more flexible and safer option than it once was.
In fact, 2025 is shaping up to be a transformative year for the sector, with new features and consumer protections making equity release products more appealing than ever.
Here’s what you need to know.
Flexible Equity Release Mortgages That Fit Around You
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The most popular type of equity release is the lifetime mortgage, and it’s changed a lot in recent years. Modern products are designed with flexibility in mind, giving you more control over how and when you access the equity tied up in your home.
Some of the latest features include:
- Early Repayment Options
Want the option to pay some, or all, of the loan off early? Many plans now allow early repayment, especially if you’re downsizing or your circumstances change.
- Interest-Only Payments
Some lifetime mortgages come with an interest-only mortgage option, letting you pay off the interest each month. This means the loan amount doesn’t grow over time, helping preserve more equity in your home.
- Drawdown Facilities
With drawdown lifetime mortgages, homeowners can release equity from their home in stages, rather than as a single lump sum. This means that you could access an initial amount and then withdraw additional funds later as needed. Interest is only charged on the amount drawn down, making it potentially more cost-effective than a lump-sum lifetime mortgage.
These features mean you can tailor your equity release plan to your life, not the other way around.
Built-In Consumer Protections for Peace of Mind
All products from lenders approved by the Equity Release Council (ERC) come with strong consumer protections, designed to safeguard your home, your money, and your future.
Here are some of the key guarantees for equity release mortgages:
- No Negative Equity Guarantee
With every ERC-approved plan, you’ll never owe more than the value of your home. That’s the no negative equity guarantee, so neither you nor your family will ever be left with a shortfall.
- Fixed or Capped Interest Rates
You’ll know exactly how much interest will be charged over the life of your plan, thanks to fixed or capped equity release interest rates.
- Porting Rights
Thinking about moving later in life? Most products allow you to port your plan to a new home, provided it meets the lender’s criteria.
- Legal Advice
Independent legal advice is a must. It’s part of the process to ensure you fully understand what equity release involves—and that you’re making the right choice for you and your family.
Is Equity Release Right for You?
We always stress that equity release isn’t for everyone. But for the right person, with the right advice, it can be a smart financial tool. Whether you’re looking for early repayment flexibility, managing your cash flow with interest-only payments, or simply want the reassurance of no negative equity, the market now offers products that are more adaptable and protective than ever.
At Liddle Perrett, we’ll talk you through the full picture—including whether an equity release mortgage is right for your long-term goals, how it affects your estate, and what options give you the most freedom and security.
Ready to Explore Your Options?
If you’d like to know more about how equity release could work for you—or a family member—get in touch with the Liddle Perrett team. We offer clear, expert advice tailored to your needs, and we’ll always make sure you fully understand the features, benefits, and risks.
📞 Call us today on 0345 894 8441
Let’s help you make the most of your home, your future, and your financial peace of mind.
Releasing Equity From Your Home
If you are aged 55+ and have equity in your home, you may be able to release some of it in the form of a lifetime mortgage to realise the ambitions you have for later in life.
Equity release plans can provide you with a lump sum that is secured against your home. Interest is charged when you borrow money in this way, and will depend on the equity release products that you can access.
Whatever your reasons for releasing equity from your home, it is important to seek professional financial advice. There are strict rules and criteria around the different types of equity release, governed by the Equity Release Council, and regulated by the Financial Conduct Authority (FCA).
Equity release services are referred to a third party. Neither Liddle Perrett Ltd or PRIMIS are responsible for the service received
Equity Release Mortgages are Regulated by the Financial Conduct Authority