Equity Release

Offering access to equity tied up in your current home in later life. From the age of 55 there are several options to release cash to allow you to enjoy retirement, help family and friends or maintain your current lifestyle. 

Lifetime mortgage

You can take out a mortgage secured on your property provided it is your main residence, while retaining ownership. You can choose to retain some of the value of your property as an inheritance for your family.

Home reversion

You can sell part or all of your home to a home reversion provider in return for a lump sum or regular payments. You can continue living in the property until you die, rent free, but you have to agree to maintain and insure it. You can ring-fence a percentage of your property for later use, possibly for inheritance.

If you want more information about your options for equity release, get in touch and speak to one of our team.

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The guidance or information contained within the website is subject to the UK regulatory regime and is therefore aimed at consumers in the UK.
The FCA does not regulate Commercial lending or Commercial Buy to let mortgages.


Your home may be repossessed if you do not keep up repayments on your mortgage or other loans secured on it.

James Miller & Associates is a trading name of J.S.Miller Independent Financial Planning Ltd which is an appointed representative of Vision Independent Financial Planning Ltd who are authorised and regulated by the Financial Conduct Authority (FCA).

Firm reference number: 487395. This can be verified by visiting the Financial Services Register.

J.S.Miller Independent Financial Planning Ltd is a registered company in England and Wales. Registration number 07242081.

To verify our status please visit the FCA register. Our FCA number is 534042.