Transform The Equity In Your Home Into The Retirement Lifestyle You Deserve

At Prime Lifetime, we offer independent and trusted equity release advice, aiming to find you the best available equity release mortgage deal tailored to your personal needs.

Discover how much tax-free cash you could unlock now.

I'd just like to say that this company gives first-class service, they guide you through everything that’s happening step-by-step and you always know what’s going on. I would recommend to anyone.

Peter M.

What is Equity Release?

Equity release mortgages offer a valuable opportunity for homeowners aged 55 and above to access the equity tied up in their home.

If you're rich in assets but low on cash, equity release lets you turn the value of your home into spendable money, giving you a more comfortable retirement and financial flexibility just when you need it most.

This can provide a lump sum, regular income, or both, without the need to move out.

With Prime Lifetime, equity release isn't just a financial decision—it's a step towards realising your life's goals and dreams in retirement.

Is equity release right for you?

You've worked hard your whole life. Now it's time to enjoy the retirement you deserve, on your terms.

Equity release mortgages offer many benefits:

As members of the Equity Release Council, we uphold the highest standards of practice, offering advice that aligns perfectly with your retirement aspirations.

This guarantees that our services adhere to stringent ethical guidelines and consumer protections, ensuring your equity release plan is not only beneficial but also secure and transparent.

Discover how much tax-free cash you could unlock now, with our trusted, independent advice tailored to you.

Prime Lifetime is totally independent, covering the whole of the market and all major lenders, 
ensuring you get the best available equity release mortgage.

Des was extremely professional, patient and made sure we understood everything before we made a decision on committing. Des ensured he kept in contact with us throughout the process and answered any questions we had in a professional and articulate manner.  Thank you Des.

Sandy B.

Your Questions, Answered

How does equity release work?

Choose from a Lifetime Mortgage to borrow against your home while keeping ownership, or a Home Reversion plan to sell a portion for cash. Repayments are deferred until your home is sold, typically when you pass away or move into care.

Can I move house with an equity release plan?

Yes, equity release plans can typically be transferred to a new property. If the new home is less valuable, you might need to repay part of the released equity. It’s a flexible option but requires careful planning.

How much could I borrow?

The amount you can borrow through equity release is primarily influenced by your age (the older you are, the more you can typically release), the value of your property, and your health condition, with some plans offering more for those with certain health issues. Prime Lifetime is totally independent, covering the whole of the market, ensuring you get the best available equity release mortgage. 

Remember, Prime Lifetime is not tied to any lender or group of lenders; ensuring your recommendation is matched perfectly to your specific requirements. We work for you, not the lender.

What are the risks with equity release?

Costs can encompass setup fees, legal fees, and early repayment charges. It’s essential to get professional advice to understand all implications. At Prime Lifetime, we guide you through each step of your equity release journey to ensure you understand the full implications and advantages of your equity release mortgage.

How does equity release affect inheritance?

Taking out an equity release can reduce the size of your estate, affecting the amount of inheritance you leave. Discussing with family is crucial, as many plans now offer an inheritance protection guarantee to safeguard a portion of your estate for your heirs. Understanding the impact on family inheritance is key.

Very personable, kept up to date always and contacted us about changes or problems as they arose.

Mike C.

Meet Prime Lifetime: 
Your Partners In 
Retirement Planning

At Prime Lifetime, we are committed to helping you achieve a financially secure and fulfilling retirement.

Our independent, whole-of-market equity release advisory service ensures you receive the best possible terms tailored to your unique circumstances.

We compare offers from a range of different lenders and aim to find you the best available deal.

As proud members of the Equity Release Council, we adhere to the highest standards of advice, prioritising your long-term financial well-being.

To understand the features and risks, ask for a personalised illustration. We provide an initial consultation free of charge and without obligation.  

Think carefully before securing other debts against your home. 

Increasing a mortgage term can increase the total interest paid over the period, consider the impact of added debt carefully. Your home may be repossessed if you do not keep up repayments on your mortgage. 

Prime Lifetime is a trading style of One Stop 4 Equity Release Ltd which is authorised and regulated by the Financial Conduct Authority. FCA No 952887 One Stop 4 Equity Release Ltd is a registered company in England and Wales with Company Registration Number 13452621. Registered Office: 30 North Street, Bourne, Lincolnshire, PE10 9AB. 

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