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About Us

The Equity Release Help Organisation exists to ensure that members of the UK public are connected only with reputable, regulated, and fully FCA authorised companies that provide whole of market equity release services. We recognise that unlocking the value from your home is one of the most important financial decisions you may ever make. Such a decision must be governed by the highest standards of professional integrity and supported by expert, impartial, and ethical advice.

The ERHO is a non-profit body, governed by a commitment to protect consumers and uphold the highest standards of integrity, transparency, and professionalism within the equity release sector. While ERHO itself operates on a non-profit basis, the companies we recommend and endorse are not required to do so. Our role is to ensure that any firm associated with us meets strict standards of regulation and practice, regardless of their business structure.

It is important to note that the ERHO is not an Independent Financial Adviser (IFA), nor is it a regulated or qualified advisory body. The ERHO acts solely as a directory portal and introducer, helping the public to identify and connect with reputable, regulated equity release providers. It operates by supplying publicly available data from a range of sources, and also offers premium services where the supplier will contact the client directly. The ERHO itself is not authorised or regulated by the Financial Conduct Authority (FCA).

Our Purpose

The Equity Release Help Organisation was established to protect homeowners from unregulated or biased advice. Our role is to guarantee that only fully qualified and FCA-compliant advisers are recommended to those seeking guidance. We serve individuals aged 55 and over by introducing them to trusted professionals who can offer access to the entire equity release market and a complete range of later life lending solutions, which include:

By working exclusively with vetted and regulated advisers, we ensure that every client receives advice that is clear, transparent, and suited to their individual needs.

Whole of Market Access

All advisers within our network are whole of market specialists. This means they have the ability to review and compare products across the entire UK equity release market rather than being restricted to a single provider. This approach ensures that each recommendation is made solely in the best interests of the client, whether the objective is to increase retirement income, carry out home improvements, or provide financial assistance to family members.

Regulated and Compliant

Every adviser we introduce is authorised and regulated by the Financial Conduct Authority. They operate under strict governance, adhering to the highest standards of compliance, ethics, and professionalism. In addition, all advisers hold the necessary industry qualifications, including CeRER and CeMAP, which are required to provide regulated advice on equity release and mortgage products.

Find a Local Equity-Release Lifetime Mortgage Adviser

  • All advisers listed are authorised and regulated by the Financial Conduct Authority (FCA)

Who We Are

The Equity Release Help Organisation is a trusted, independent body made up of experienced professionals who have worked within the equity release industry for many years. Governed by principles of transparency, accountability, and consumer protection, we are dedicated to ensuring that individuals receive clear, accurate advice and are only connected with reputable, properly regulated companies. While we are not a government organisation, we operate to standards that mirror those expected of official public service bodies, with the sole purpose of safeguarding consumers’ best interests.

Our Commitment to You

Our responsibility is to safeguard the interests of the UK public by ensuring that:

The Equity Release Help Organisation is dedicated to providing clarity, security, and reassurance. Our objective is to enable every client to make informed and confident decisions about their financial future.

Use of Our Website

Our website provides access to an independent online service designed to allow users to compare a range of financial companies and services.

Use of this website is permitted only under the following conditions:

You must not undertake any action that could compromise the security of our website or any information or material contained within it.

Operation of a link to this website without prior written consent from ERHO is not permitted. Any consent given may be revoked at any time and without notice, and ERHO reserves the right to require removal of any unauthorised link immediately.

Contact Us

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  • All advisors listed are authorised and regulated by the Financial Conduct Authority