Turn your property wealth into tax-free cash for your retirement.
Stay in the home you love while releasing the capital you need to enjoy life to the full.
Your Home is More Than Just a Place to Live
For many people approaching or in retirement, their home is their most valuable asset. However, having wealth tied up in bricks and mortar doesn’t help when you want to boost your retirement income, pay for a dream holiday, or renovate the house to make it more comfortable for later life.
Equity Release (specifically a Lifetime Mortgage) allows homeowners aged 55 and over to unlock a portion of that value as tax-free cash, without the need to sell up or move house.
You retain full ownership of your property and the right to live there for the rest of your life, giving you both financial freedom and stability.
Flexible Plans to Suit Your Needs
Gone are the days of inflexible, “one-size-fits-all” plans. Modern Equity Release is highly adaptable. You can choose to take a one-off lump sum to cover a large expense, or set up a “drawdown” facility that acts like a savings pot, allowing you to take smaller amounts as and when you need them.
The drawdown option is particularly popular as you only pay interest on the cash you have actually released, which can save a significant amount of money over the long term.
Furthermore, while you don’t have to make monthly payments, many modern plans now allow you to make voluntary interest payments if you wish, helping to control the balance of the loan and preserve more equity for your beneficiaries.
Safety and Peace of Mind
We understand that Equity Release is a big decision involving your family’s inheritance. That is why we only recommend plans from lenders approved by the Equity Release Council.
This guarantees you critical safeguards, including the No Negative Equity Guarantee—meaning you will never owe more than the value of your home, so you can never pass on debt to your family. Whether you want to gift a “living inheritance” to help grandchildren onto the property ladder or simply treat yourself to a more comfortable lifestyle,
Kingsbridge provides the honest, independent advice you need to do it safely.
