What Types Are Available?

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What Types Are Available?

At any one time, there are over 40 equity release plans available in the market offered by over 20 reputable equity release providers.

They can be broken down into 3 main types :

Each of the above is simply a different method of releasing the equity locked up in your home.

There are also other useful features available to create the ideal equity release plan for you.

Some of these features include :

Protected equity - All equity release plans that we recommend come with a no-negative equity guarantee, however some plans allow you to go further and protect a fixed share of the value of your home. For example, if you protected a 20% share in your home, you have a guarantee that a minimum of 20% of your property value is protected for you or as inheritance for your beneficiaries in the future.

Impaired Life - Some providers will allow you to release more capital if you suffer from one of a list of health conditions.

Income - Many schemes allow you to release the equity in the form of an income. Either via a purchased life annuity or by releasing the capital in staged payments over your lifetime.

Flexible Drawdown - New plans are available with a pre-agreed ‘cash reserve’. Similar to an overdraft, it is a facility that allows you to draw-down cash whenever you wish, if you wish to. Ideal for boosting income when required or for ad hoc purchases when they’re needed.

About James Blair

I have been an Independent Financial Adviser since 1987 and I am a FCA qualified Equity Release and Long Term Care adviser. I provide Independent Equity Release Advice and cover the whole of the market.

I work to your priorities. Call me on 01923 254760 if you would like discuss your Equity Release situation.

You can choose either a telephone or in-person meeting, which-ever is convenient for you.

There is no charge or obligation for this meeting.

This review will be at my expense.


I am writing to tell you that we are extremely happy with the way in which you have arranged an Equity Release for my mother-in-law. I would imagine that this can be a process fraught with anxiety for older people but in this instance there was no such trauma.

This is entirely due to your gentle and reassuring manner, your patience in answering our many questions and the clarity with which you presented the information we needed. The Equity Release is now complete and we are very happy and relaxed knowing that she can spend the rest of her life in her home. Thank you again.

David S. - Rickmansworth, Herts.

I found the service and advise you gave me a great help. You explained the different options and procedure clearly and kept me informed of all transactions as they happened. I thought your fees were very reasonable and fair. I would be more than happy to recommend your services. P.S The wine was lovely, thank you very much.

Julia G - Oxford

James explained the details clearly and James was readily available to answer any questions. I am happy with the plan James recommended for me

Gillian S - Slough

James made everything clear to understand and was very friendly. James did everything he said he would do.

Ron T - Essex