For Individuals
Reverse Mortgages (UK: Equity Release)
Access housing wealth later in life — indicative terms apply.
Equity release (the UK equivalent of a reverse mortgage) lets older homeowners access tax-free value from their property, typically repaid from the eventual sale of the home. Amounts and terms shown are indicative and subject to advice, eligibility, and assessment.
Aimed at homeowners typically aged 55+. Indicative borrowing of £25,000 to £1,000,000, with representative rates from 5.9% to 8.9% APR over a long indicative horizon (60 to 360 months). Equity release reduces the value of your estate and may affect entitlement to means-tested benefits; final terms are determined after regulated advice.
Indicative product information. All financing subject to credit assessment, eligibility, and Goldcrest Financial Planning Limited's underwriting standards. FRN 810649.
Key Terms
- Indicative rate
- From 5.90%
- Amount
- £25,000 – £1,000,000
- Term
- 60 – 360 months
- Origination fee
- 1.50% of principal
- Early repayment fee
- 2.00% of remaining balance
Indicative pricing — final rate subject to credit assessment.
Payment Calculator
Estimate your payments
Adjust the figures within this product’s range to see what you would pay approximately each month — indicative only.
Monthly payment
You would pay approximately
£382.33 /month
- Total repayable
- £80,289.30
- Total interest
- £30,289.30
Indicative and illustrative only — this is not an offer or a quote. Final amounts are subject to credit assessment and Goldcrest Financial Planning Limited's underwriting standards. FRN 810649.
Eligibility
Who can apply
UK homeowner, typically 55+, completed KYC, qualifying property, regulated advice required, subject to valuation and assessment.
FCA-regulated through Goldcrest Financial Planning Limited (FRN 810649). Subject to credit assessment and underwriting standards.
How to apply
From account to decision in four steps.
Open an account
Register in minutes and choose a loan customer account.
Complete KYC
Verify your identity digitally — passport, licence, or proof of address.
Submit application
Apply for this product with a guided, fully digital form.
Receive decision
Our team reviews your application and returns an indicative decision in days.
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