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Equity release is a secured form of borrowing that allows you to unlock some of the money tied up in your home while continuing to live in it. It’s most commonly used by older homeowners who want to access extra funds for retirement, home improvements, or to help family members financially.
Unlike a traditional mortgage, there are no affordability checks or monthly repayments required. Instead, the interest is added to the balance of the loan over time. The full amount borrowed, plus any accrued interest, is then repaid when the property is sold or when the homeowner permanently leaves the property, for example by moving into long-term care or after passing away.
Equity release can provide flexibility, financial confidence, and peace of mind, giving you the freedom to enjoy your property’s value without the need to move or downsize. It offers a simple, practical way to make the most of your home’s worth while maintaining full control of your living arrangements.
Poynton Law Limited understands that the rise in house prices over the last 20 years means that many people have a significant asset in their property but limited money to spend. Pensions are often not what people hoped for, interest rates are low on savings and household budgets are often stretched. A direct result of this is that equity release products are becoming more popular.
Poynton Law Limited aim to provide an efficient, quick and cost effective service to enable people to release equity from their home.
To be eligible to release monies from your property on the basis of an equity release product,
you’ll need to meet a few simple but important criteria.
Equity release is designed to help homeowners unlock the value tied up in their property while continuing to live there, so lenders have certain requirements to ensure the plan is suitable for you. Typically, you must be of qualifying age, your property must hold sufficient equity, and it must meet location and ownership standards set by providers.
These eligibility factors help ensure your plan is both responsible and beneficial to your long-term financial wellbeing.
Below are the three main requirements most equity release providers look for:
Applicants must be aged 55 or over to qualify for an equity release plan.
You must own your home and have sufficient equity available to release funds.
Your property must be your main residence and located in England or Wales.
As an expert legal practice in dealing with Equity Release, Poynton Law Limited understands that the rise in house prices over the last 20 years means that many people have a significant asset in their property but limited money to spend. Pensions are often not what people hoped for, interest rates are low on savings and household budgets are often stretched. A direct result of this is that Equity Release products are becoming more popular.
We aim to provide an efficient, quick, and cost-effective service to enable people to release equity from their home.
Those who are proceeding with an equity release product will need to be given independent legal advice prior to proceeding with the transaction. Poynton Law Limited is able to conduct visits in any location in England and Wales.
Many legal firms undertaking this kind of work may ask you to visit a locum solicitor with little or no experience of this type of work. We have a network of experienced solicitors in relation to equity release products throughout England and Wales. Our solicitors are able to arrange a convenient appointment to suit and home visits are available upon request.
We provide a fixed fee service in relation to all aspects of equity release and any issues arising from the equity release.
Choosing the right legal team for your equity release is one of the most important decisions you’ll make during the process. At Poynton Law Limited, we pride ourselves on delivering clear, independent advice and a personal service that puts your needs first. Our team has extensive experience in handling equity release transactions and understands the importance of making every stage simple, transparent, and stress-free. From your first enquiry to the final completion, we’re here to guide you with expertise and care.
Below are just a few of the key reasons why clients across England and Wales continue to trust Poynton Law Limited with their equity release legal work:
A qualified solicitor will visit you in the comfort of your own home, ensuring your equity release advice is delivered clearly and conveniently. We take care of the legal details while you relax in familiar surroundings, saving you time and unnecessary travel.
We understand life can be busy, so we offer flexible appointments, including evenings and weekends. Whether you prefer a home visit, telephone consultation, or virtual meeting, our solicitors will work around your schedule to make the equity release process as smooth as possible.
Our team prioritises speed without sacrificing accuracy. We streamline the equity release process from start to finish, handling all the paperwork and lender requirements promptly so you can access your funds quickly and confidently, with clear communication every step of the way.
You’ll have one dedicated Solicitor managing your case from start to finish. This ensures continuity, personal attention, and clear communication throughout your equity release journey — giving you complete confidence that your legal advice is consistent, accurate, and tailored to your needs.
At Poynton Law, we’re proud to be recognised specialists in Equity Release — but that’s just one part of what we do. Our experienced legal team offers a full range of personal and family law services designed to protect your interests and provide peace of mind at every stage of life. Whether you’re planning for the future, managing a relationship change, or simply need trusted legal advice, we’re here to help with clear guidance and fixed, transparent fees.
Equity release is a way of unlocking money tied up in your property without having to sell your home. It allows homeowners aged 55 or over to access a tax-free lump sum or regular payments based on the value of their property.
With equity release, you borrow money secured against your home, usually through a lifetime mortgage or a home reversion plan. The funds can be taken as a single lump sum, in smaller instalments, or as a combination of both.
Most equity release products are available to homeowners aged 55 or over who own their main residence outright or have only a small mortgage remaining. The amount available depends on your age, health, and the property’s value.
If you choose a lifetime mortgage, you remain the legal owner of your home and continue living there. With a home reversion plan, part or all of your home is sold to the provider in exchange for a lump sum or income.
The loan and any interest are usually repaid when you pass away or move into long-term care, typically from the proceeds of selling the property.
Yes, many equity release plans are portable, allowing you to move to a new property as long as it meets the lender’s criteria. It’s important to discuss this with your adviser before committing.
As with any financial product, equity release has risks. Interest can build up over time, reducing the value of your estate. It’s vital to seek independent legal advice to understand your obligations and protections.
Releasing equity can impact your entitlement to means-tested benefits, and while the funds themselves are tax-free, how you use them might have tax implications. Professional advice should always be taken.
Typical costs include arrangement fees, valuation fees, and independent legal advice. Poynton Law provides clear, fixed-fee legal services for all equity release transactions.
Poynton Law specialises in equity release legal work across England and Wales, offering clear guidance, fixed fees, and the convenience of online or in-person appointments—ensuring your transaction is handled smoothly and efficiently.