Equity Release

What is Equity Release?


Equity release is a special type of mortgage that allows homeowners to access some of the money (the equity) that has built up within the value of their home over time. These funds can be used for a variety of circumstances, with many people using them to pay off debt, help a child get on the housing ladder or to purchase an investment property.

At Ramsay & White, our experienced and award-winning advisors have access to a wide range of lenders and are here to guide you through the equity release process to access the funds you need. 

Why consider Equity Release?


Release tax-free cash to spend however you like


Lock in a fixed low rate


Live in your home for as long as you like


No monthly payments

Common Equity Release Questions

Am I eligible for Equity Release?

In order to qualify for equity release, you must meet the following criteria:

  • Be age 55 and over.
  • Be a UK homeowner.
  • Your property is worth a minimum of £70,000.
  • You have little or no mortgage left on your property.
How much equity can I release?

The amount of equity that can be released will vary from lender to lender and will be based several factors:

  • The value of the property.
  • The age of the youngest homeowner.
  • The health and lifestyle of the homeowner (s).
  • Whether the applicant has full ownership of their property.  If there is an  outstanding mortgage or loan secured against the property, this will be deducted from the maximum amount that can be released.
  • The overall condition of the property and the type of construction. 
    How does Equity Release work?

    1. Our advisors will carry out a quick and easy consultation to find out more about your circumstances.

    2. From here, they will find the best product on the market to suit your needs and help you complete the application process.

    3. A valuation of the property will then need to be carried out by a local surveyor who will create a valuation report for the lender. This will determine how much equity can be released.

    4. An equity release solicitor will take care of the legal process and liaise with the lenders’ solicitor. 

    5. Once the conveyancing and the legal process has taken place, you will receive an offer from the lender along with a Solicitor’s Certificate. 

    6. Once the final checks and the legal paperwork is complete, a completion date will be set.

    7. The funds released are first sent to your solicitor who will deduct any charges before forwarding the net amount onto you. 

    Why Ramsay & White?


    Ramsay & White Finance for Property Investors

    Ramsay & White are specialists in property finance. With access to market-leading lenders across the UK and a broad network of experts, we will find the solution that best fits your property finance requirements.


    Qualified Commercial and Residential Advisors


    Specialists in property finance


    Passionate and Experienced Team


    Highly experienced support team


    Access to whole of market


    Fast decision making

    Ramsay & White:

    T: 02921 111280
    E: enquiries@ramsayandwhite.com

    Ramsay & White Estate Agents:

    T: 01443 803510
    E: contact@ramsayandwhite.com

    Head Office:

    13-14 Neptune Court
    Vanguard Way
    Cardiff, CF24 5PJ

    London Office:

    8 St James Square
    London, SW1Y 4JU

    Opening hours:

    Monday to Friday   09:00 - 17:00
    Saturday & Sunday       Closed


    We are members of the

    Follow us:

    Ramsay & White Ltd. Number 814110 - is an Appointed Representative of New Leaf Distribution Ltd. who are authorised and regulated by the Financial Conduct Authority. Number 460421.

    Your home may be repossessed if you do not keep up repayments on your mortgage. Ramsay & White Ltd is registered in England and Wales. Company number: 11127743. Registered office 13-14 Neptune Court, Vanguard Way, Cardiff, UK, CF24 5PJ.

    A fee may apply for mortgage advice and, if applicable, you must ask your adviser for details before making any decision relating to a new mortgage as the actual amount will depend on your personal circumstances, but we estimate the typical fee to be £499.