Flexible approach to equity release

Sometimes, clients may want to receive a lump sum or regular income in exchange for some of the value of their home but their circumstances may preclude them from being approved. Our exclusive lender network reviews applications on a case-by-case basis, which means your client has a higher chance of approval than through high street lenders.

For established homeowners

We can draw together a package that is specifically developed around the individual needs of older homeowners, that is 55+ and retired people. Even if they have little or no income and are not eligible for a regular mortgage, through our network they will usually be able to borrow between 20% to 50% of the value of their home.

When its needed most

The flexible approach to equity release offered by our lenders, means we can provide bespoke equity release, especially suitable for clients who don’t meet traditional lending criteria and don’t want to move home or use money from their pension. Talk to us to help them access funds for reasons which might include home improvements, inheritance tax planning or to help family members purchase property.

Unparalleled expertise

We have exclusive access to lenders offering bespoke packages that are not available on the high street. By working with our network of like-minded professionals and specialist solicitors, you can draw on our unparalleled experience as a packager, we can guide and advise and arrange financial solutions for your clients, the likes of which you won’t find elsewhere.

Key financial partners

Truffle Specialist Finance work in partnership with key partners and are key members of an Equity Release club, which provides access to a range of later life resources. We can engage directly with your client, or via you, to ensure they make an informed decision aware of the inherent costs, as well as the impact on the inheritance they leave and their ability to claim benefits.

Key features

Equity Release Mortgages Summary

LTVAmount released depends on age and health.
InterestLowest rates starting from 2.50%.subject to status and application
TermOpen ended.
LocationUK coverage.
Mortgage types
  • Lifetime mortgages.
  • 50+ mortgage.
  • Rolled up interest.
  • Repayment mortgage.
  • Flexible options to suit your client’s needs and budget.
Client types
  • Older homeowners
  • 50+ homeowners with little or no income
  • Retired homeowners
Client scenarios
  • Debt clearance
  • Funding home improvements
  • Funding major purchases (holiday/new car)
  • Helping first time buyer relatives onto the property ladder
  • Helping relatives buy property
  • Inheritance tax planning

A lifetime mortgage is a loan secured against your home. It will reduce the amount of inheritance you leave and may affect your tax position and entitlement to welfare benefits.

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