Equity
release
Unlock the value in your home, on your terms, and in support of the lifestyle you desire.
Your home. Your future. Your decision
For many people, their home is their most valuable asset. But that value isn’t always easy to access, especially in later life, when income may be fixed or savings are being carefully managed. Equity release offers a way to access some of the money tied up in your property, without needing to sell or downsize.
At Price Ferguson, we help you explore whether equity release is the right fit for your plans. We’ll explain how it works, what it costs, and how it could support your broader financial strategy, whether you’re looking to supplement income, fund care, help your family, or enjoy your retirement more fully.
Who we help
We work with homeowners who want to make the most of their assets in later life. Some are exploring equity release as a way to maintain their standard of living. Others are considering it to fund home improvements, cover care costs, or provide financial support to loved ones. Many want to understand their options before making any significant decisions.
Whatever your reasons, our role is to provide clear guidance, enabling you to move forward with confidence.
How equity release works, and how we help
Equity release typically involves a lifetime mortgage, a loan secured against your home that doesn’t need to be repaid until you pass away or move into long-term care. You retain full ownership of your property and can choose to make repayments or let the interest roll up over time.
While it can offer flexibility and financial freedom, it may not be the right choice for everyone. That’s why we take the time to understand your situation fully, including your income, goals, family circumstances, and other assets, before making any recommendations.
We’ll explain the benefits and the trade-offs, help you compare providers, and ensure you understand how equity release could affect inheritance, benefits, or your long-term plans. We can also speak to your family or solicitor if you wish, helping you feel supported, informed, and in control.
Why equity release matters
Releasing equity isn’t just about unlocking cash; it’s about unlocking options. For some, it’s the key to staying in a much-loved home. For others, it enables a more comfortable lifestyle, greater independence, or the chance to help children or grandchildren during their lifetime.
What matters most is that the decision is made for the right reasons, with a thorough understanding of how it works and its place in the broader context. That’s precisely what we’re here to help you achieve.
Why choose Price Ferguson
As independent, FCA-regulated advisers, we’re here to help you decide. We provide balanced advice that puts your interests first, with full access to the entire equity release market.
We approach every conversation with patience, respect and clarity, and we never recommend equity release unless we’re confident it’s the right fit for you. If a better alternative exists, we’ll let you know. And if you decide to move forward, we’ll guide you through each step of the process with care and reassurance.