What is equity release
Equity release explained in plain English with examples.
Read moreERHO • ORG.UK
At ERHO, we provide free trusted, independent support for homeowners aged 55 and over who are considering equity release. Our aim is to connect you with fully qualified, FCA-authorised equity release advisers who offer clear, compliant, and tailored financial guidance.
We understand that accessing the value tied up in your home is a major financial decision. That's why our service is designed to be impartial, secure, and always in your best interest.
We only work with advisers who are authorised and regulated by the Financial Conduct Authority (FCA). This ensures you receive advice that is safe, ethical, and fully compliant with industry standards.
You'll receive independent equity release advice from advisers with access to the full market. This means you are not limited to one provider and can be matched with the most suitable plan for your needs and goals
Your initial consultation with a specialist is completely free of charge, with no pressure to proceed. Our goal is to be able to provide you with transparent, easy-to-understand information about your equity release options.
Every adviser we work with holds relevant qualifications such as CeRER and CeMAP, and has extensive experience in the equity release sector. You'll be speaking with a trusted professional from the start.
We connect you with a local equity release adviser, ensuring you receive personalised support that understands regional property markets and local needs.
Our UK-based customer care team is on hand to assist you at every stage of the journey — from your initial enquiry through to completion. We're here to ensure a smooth, stress-free process.
We are committed to data protection and confidentiality. Your personal information is only shared with FCA-authorised advisers who have been carefully vetted by us. You will never be contacted by anyone outside our trusted network.
We take safeguarding seriously. Our policy ensures that all users - especially vulnerable adults - are treated with dignity, care, and professionalism. Our partners follow a strict code of ethical conduct in accordance with FCA rules and best practice.
If you are deaf, hard of hearing, or have a speech impairment, our team is ready to support you through written communication. Simply email us at support@equityreleasehelp.org.uk, and a qualified adviser will guide you through the process at your pace and in a way that suits your needs.
We may not be a government backed organisation, but we uphold the same level of transparency, professionalism, and public service commitment. Our mission is to ensure that every homeowner receives:
Whether you're exploring equity release to support your retirement, help family members, or simply understand your financial options, we're here to help get you in touch with an approved advisor securely, independently, and without pressure.
Equity release explained in plain English with examples.
Read moreTypical costs, fees and how we’re paid.
Read moreWhen professional advice protects your interests.
Read moreFrom initial consultation to application and completion.
Read moreOur authorisations, standards and consumer protections.
Read moreHow to raise a concern and what happens next.
Read moreWe’re independent equity release specialists focused on clear explanations and responsible recommendations. Advice is tailored to your needs and circumstances.
Equity release lets you access some of the value tied up in your home without moving. Products and eligibility vary; we’ll cover lifetime mortgages and home reversion plans with examples.
Read more...Costs typically include lender fees, interest, legal work and advice. We'll show a transparent breakdown and confirm all charges before you proceed.
Learn more about costsEquity release is a major decision with long‑term effects. An authorised FCA-approved advisor ensures you understand risks, alternatives and protections before you commit. They can also advise if Equity Release is not right for you too.
Find out why you should seek advice from an adviser