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Why Do I Need an Adviser?

When making significant financial decisions such as equity release, lifetime mortgages, home reversion plans, retirement interest-only (RIO) mortgages, over-60 mortgages, or reverse mortgages, it is essential to seek professional, regulated advice. These financial arrangements can have long-term implications for your home, your income, and your estate.

As a governed organisation operating under the oversight of the Equity Release Council, EquityReleaseHelp.org.uk exists to ensure you are guided by only the most qualified and trustworthy advisers in the UK. Every adviser we recommend is carefully vetted and:

  • Provides free, impartial, and unbiased advice with no obligation to proceed.
  • Supports you through the entire process, from initial consultation to the completion of all legal and financial arrangements.
  • Adheres to the highest professional and ethical standards as mandated by the Equity Release Council, safeguarding your rights and protecting your interests at every stage.

The Benefits of Using a Specialist Adviser Governed by the Equity Release Council

  1. Clarity in a Complex Market

    The later-life lending sector offers a wide range of products and providers. A governed, qualified adviser will explain each option clearly and transparently, enabling you to make informed decisions with confidence.

  2. Tailored Solutions for Your Circumstances

    No two clients have identical needs. Our recommended advisers will assess your personal and financial situation to recommend solutions that align with your goals, lifestyle, and future plans.

  3. Protection and Peace of Mind

    All advisers we recommend hold the highest recognised industry qualifications - CeRER and CeMAP. This ensures they are fully equipped to advise you responsibly and to protect your financial future.

  4. End-to-End Guidance

    From the first discussion to the successful completion of your chosen arrangement, your adviser will be your single, reliable point of contact — ensuring the process is handled efficiently, accurately, and without unnecessary stress.

Find a Local Equity-Release Lifetime Mortgage Adviser

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

Our Organisation's Commitment to You

EquityReleaseHelp.org.uk is not a sales company. We are a governed, independent organisation dedicated to connecting you with the highest calibre of qualified advisers in the UK.

Because we are bound by the rules and code of conduct of the Equity Release Council, we only recommend advisers who uphold the very highest professional standards - ensuring your best interests remain at the heart of every decision.

Your home is more than just property - it is your security, your legacy and your future. With the right adviser, you can release the value in your home safely, responsibly, and in a way that truly supports your needs.