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Equity release

Your home may hold the key to greater financial flexibility later in life. We help you explore equity release with expert, independent advice, so you can make a decision that’s right for you and your family.

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Unlocking property wealth later in life

Equity release enables homeowners aged 55 or older to access funds from the value of their home, without needing to move or sell. It can be a valuable way to supplement retirement income, fund large purchases or support family, but it’s not the right choice for everyone.

At Dartington Wealth Management, we provide regulated, independent advice on equity release, enabling you to explore your options and understand the long-term implications before making any decisions.

When equity release may be worth considering

Equity release is often considered by clients who are asset-rich but cash-limited in later life. It’s one of several tools available to access funds tied up in property.

You might be considering equity release if:
  • You want to top up retirement income to improve day-to-day comfort
  • You wish to make home improvements, adapt your property, or cover care costs
  • You’d like to provide a financial gift to children or grandchildren
  • You have limited access to other forms of borrowing in later life
  • You prefer to remain in your current home rather than downsize
While equity release can offer flexibility and financial freedom, it also involves long-term commitments and should be explored with complete understanding.

How our advice supports you

We begin by helping you assess whether equity release is suitable, taking into account your broader financial situation. We’ll review your income needs, property value, inheritance goals, and other potential options, such as downsizing, using savings, or remortgaging.

If equity release is appropriate, we’ll guide you through:
  • The differences between lifetime mortgages and home reversion plans
  • How interest works and when repayments (if any) are made
  • What equity release means for your estate, inheritance and long-term planning
  • How the funds can be accessed, as a lump sum, income, or both
Our advice is entirely independent and FCA-regulated, meaning we act solely in your best interests.

What working with us looks like

We begin with a no-obligation conversation to understand your goals and circumstances. If equity release is one of several possible solutions, we’ll compare the options and explain them clearly, including any costs, tax implications or impact on state benefits.

Should you proceed, we’ll manage the application process on your behalf, including liaising with lenders, solicitors and any other professionals involved. We’ll also ensure your family or chosen representatives are kept informed, if you wish.

Our goal is to help you make a confident, well-informed decision, at your own pace, with ongoing support throughout.

A message from our CEO

Andrew Coury,
 CEO, Dartington Wealth Management

At Dartington Wealth Management, we prioritise honest, independent advice above everything else. Our promise is to provide guidance that genuinely benefits you, rather than meeting sales targets or promoting products. Every recommendation is made with your best interests in mind, as your financial future deserves nothing less than transparency, integrity, and care.

We’re here to build enduring relationships rooted in trust and respect, supporting you to make confident decisions at every life stage.

Ready to take the next step?

Equity release can offer flexibility and freedom, but it’s essential to seek advice from a trusted source. We’re here to help you assess whether it’s right for you and guide you every step of the way.

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