How do I unlock the equity in my home?


The value of property can increase dramatically, often outstripping returns that can be gained from other forms of investment. For a homeowner this is often a source of frustration, the value of their property can rise until it far exceeds the value of the mortgage – but they can’t spend the equity, the difference between the property’s value and any charges against it, as it’s locked into their home.

Like many forms of investment, accumulated wealth can’t be released until the investment is sold but, whereas you can sell a number of shares, you can’t sell part of your home. There are several options:

  • sell and downsize, which may be linked to a lifestyle change
  • remortgage the property
  • equity release – a lifetime mortgage (with drawdown)
  • equity release – home reversion

There are pros and cons to each of these and all are affected by a variety of personal circumstances: your age, your working status, the amount of money you want, the reason for you wanting the money and your long-term financial plans.

The cost of getting it wrong can be both irreversible and financially catastrophic so it’s important to get specialist advice before making a decision. It means talking to someone who has a comprehensive understanding of what’s available, someone who can assess your needs and then recommend a plan that will meet them.

How can One Financial Solutions help you?

One Financial Solutions is here to help you no matter whether you’re a first-time buyer, thinking about ‘buy-to-let’ as an investment opportunity or wanting to know the pros and cons of equity release.

Buying a property is probably the greatest financial undertaking most of us will ever make; it’s a huge commitment and one that needs to be thoroughly considered, ideally with the help of an expert guide. As a truly independent firm of financial advisers we’ll make sure the mortgage we recommend to you is selected from the entire market and is the one that is best for you.

So, if you’re looking for a mortgage or just want advice on an associated subject, please call us on 020 3714 9565 or ask us to call you by sending an email to


Equity release reduces the value of your estate and may affect any means-tested benefits you’re eligible for. A lifetime mortgage, which is a loan secured against your home, is the most popular form of equity release and you will still own your home. It is important to understand the features, costs and risks of a lifetime mortgage as it will reduce the amount of inheritance you can leave, and may affect your tax position and access to welfare benefits. An illustration will be provided to help you understand all risks.