🔥 58,000+ people matched with FCA-regulated advisers through Nesto — join them today →
⭐ Rated 4.9/5 · FCA Regulated · Free Service
Find an Equity Release Adviser in the UK
Release tax-free cash from your home without selling it or making monthly repayments. Get matched with a specialist equity release adviser who'll explain every option clearly.
✅ No credit check⚡ Matched in minutes🔒 FCA regulated
£96kaverage equity released in 2024
25k+people matched
4.9★average rating
4.9★
Average adviser rating
★★★★★
4.9
2,847 reviews
🏆58,000+ people matched
✅100% FCA-regulated advisers
🆓Free matching service
⚡Matched within 2 minutes
🌐Whole of market access
25k+
FCA-regulated brokers
4.9★
Average adviser rating
100%
FCA-regulated advisers
2min
Average matching time
Why Nesto
Why use an Equity Release Adviser?
Equity release is one of the most significant financial decisions you'll ever make — and it's irreversible. A specialist equity release adviser ensures you fully understand the implications, compares products from every Equity Release Council-approved provider, and explores all alternatives first. Done right, equity release can fund retirement, help children onto the property ladder, or simply improve your quality of life. Done wrong, it can erode your estate significantly. Regulated advice isn't just recommended — it's required.
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Keep your home
You remain the legal owner of your property and can stay in it for life — guaranteed by the Equity Release Council.
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Tax-free cash
The money you release is not subject to income tax — use it for whatever you need.
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No negative equity
All Equity Release Council-approved products include a no-negative-equity guarantee.
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Estate planning
Your adviser ensures your family's inheritance is protected as much as possible within the arrangement.
Every adviser matched by Nesto is independently FCA-authorised and regulated
Ready to find your perfect Equity Release Adviser?
"I'd been putting off finding a equity release adviser for years. Nesto matched me in literally two minutes and the adviser they found was brilliant — saved me thousands."
Sarah M.
London · Equity Release Adviser customer
★★★★★
"The adviser Nesto matched me with was incredibly knowledgeable and patient. He explained everything clearly and found me a deal I never would have found on my own."
James K.
Manchester · Equity Release Adviser customer
★★★★★
"I was sceptical about using a matching service but Nesto was genuinely impressive. Free, fast, and the adviser they found was a total expert. Highly recommend."
Priya S.
Birmingham · Equity Release Adviser customer
Simple Process
How Nesto works
Getting matched takes under 2 minutes. Here's the process:
1
Tell us what you need
Answer a few quick questions about your situation so we can understand exactly what kind of equity release adviser you need.
2
Get matched instantly
Our matching engine connects you with the best-fit, FCA-regulated Equity Release Adviser from our vetted adviser panel.
3
Get expert advice — free
Your adviser contacts you within 24 hours to arrange a free initial consultation with no obligation to proceed.
The most popular form of equity release — borrow against your home, no monthly repayments required.
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Home reversion
Sell a share of your property while retaining the right to live there for life.
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Gifting to family
Help children or grandchildren with house deposits or other financial needs.
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Retirement income
Supplement pension income to maintain your lifestyle throughout retirement.
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Home improvements
Fund renovations or adaptations to make your home suitable for later life.
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Debt clearance
Clear outstanding mortgage or other debts to eliminate monthly payments in retirement.
Got Questions?
Frequently asked questions about Equity Release Advisers
Equity release lets homeowners aged 55+ access the value tied up in their property as a tax-free lump sum or regular income, without selling the home or making monthly repayments.
55 for lifetime mortgages, 60–65 for home reversion plans depending on the provider. Joint applicants must both meet the minimum age.
Typically 20–60% of your property's value, depending on your age and the product. Older applicants can generally access a higher percentage. Your adviser will confirm the maximum available.
The main risk is compound interest eroding your estate over time. Other considerations include impact on means-tested benefits and reduced inheritance. Your adviser explores all alternatives first.
Yes, but the equity release proceeds are typically used to repay the existing mortgage first. The remainder is yours to use as you wish.
Yes. All equity release advice must be provided by a qualified adviser who is authorised by the FCA. Products must meet Equity Release Council standards.
Possibly. Means-tested benefits like Pension Credit can be affected by equity release proceeds if held as cash. Your adviser will model the impact on your specific benefit entitlement.
Often yes, depending on the product. Inheritance Protection options ring-fence a percentage of your property's value. Your adviser will explain what's possible.
The property is typically sold, the loan and accrued interest repaid, and any remainder goes to your estate. If you go into care, the same process applies — you retain the right to stay until then.
Yes, but Early Repayment Charges apply in the early years. Some modern products offer penalty-free partial repayments. Your adviser will highlight these features.
Joint lifetime mortgages allow both partners to remain in the property. On first death, the survivor continues living in the property unchanged. The loan only repays when the last person leaves.
Yes — downsizing, retirement interest-only mortgages (RIOs), personal loans, or family assistance. Your adviser is required to explore all alternatives before recommending equity release.
Equity release proceeds are not income, so they don't directly affect your state pension. However, a lump sum could affect means-tested benefits like pension credit. A qualified equity release adviser will review your full benefits position before recommending any product.
Yes — many modern equity release plans include an inheritance protection guarantee, ring-fencing a percentage of your property's value for your estate. A broker explains the cost of adding this feature and whether it's right for your circumstances.
Most lifetime mortgages include a provision allowing you to repay the loan if you move permanently into care, typically without early repayment charges. A broker ensures you understand this before signing up.
Still have questions? Your matched adviser will answer them all — for free.
Answer a few quick questions and we'll match you with a qualified, FCA-regulated adviser suited to your exact situation — completely free, no obligation.
