How Equity Release Can Work for You.

When looking to release equity from a property, our customers typically have an idea of what they would like to spend their money on. Whether it be paying off an existing mortgage or loan, going on the holiday of a lifetime or making improvements to their home, there are numerous reasons why our customers choose to release equity from their home.

Calculate Your Release
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Home Improvements

Make those home improvements you’ve always wanted.

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Dream Holidays

Plan that dream trip you’ve always wanted to do.

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Clear Your Mortgage

Pay off your mortgage and and be free of fixed repayments.

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Help Family Or Friends

You could use your funds to help family or friends.

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Clear Your Debts

Clear your secured or unsecured debts with equity release.

A few of our
Lenders

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Some of our
Advisers

Our trade body
Membership

Award winning service with Bower Home Finance

The team at Bower Home Finance are overwhelmed to have won the award for Best Equity Release Adviser Customer Service for the 12th year running at the What Mortgages Awards 2025.

 

Delighting customers with a great customer experience is at the heart of everything that we do. To win this award is a testament to the importance Bower Home Finance places on high standards of advice and service that we have been able to provide, even in these challenging times. Read more about our award winning service here.

Our Services

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Equity Release

Unlock tax-free cash from your home without moving. Designed for over-55s, helping boost income, clear mortgages or support family with advice you can trust.

Learn More Learn More about Equity Release

Mortgages

Expert mortgage advice tailored to you. Whether moving, remortgaging or borrowing in later life, we’ll find the right solution. We’re whole of market experts.

Learn More Learn More about Mortgages

Later Life Finance

Smart financial planning for later life. From retirement interest only mortgages to home reversion plans, we help you make confident decisions for today and the future.

Learn More Learn More about Later Life Lending

Wills & LPAs

Protect your loved ones with a professionally written Will. Ensure your wishes are followed and your estate is handled exactly as you intend. Put safeguards in place for the future. LPAs let trusted people make decisions for you if you’re ever unable to.

Learn More Learn More about Wills & LPAs

What Bower Home Finance does for you

At Bower Home Finance, we will understand your unique circumstances and advise you to ensure you are receiving the best plan to meet your objectives. There are plans that allow you to make voluntary repayments and move home, subject to lender criteria. However, early repayment charges may apply in certain circumstances.

 

Bower Home Finance provides independent, impartial whole of market equity release advice with an award-winning customer service experience. Initial advice is provided at no cost to you and without obligation. Only if you choose to proceed and your plan completes, would a typical advice and administration fee of £1,695 be payable.

 

Equity release requires paying off any existing mortgage. Any money released, plus accrued interest to be repaid upon death, or moving into long-term care. Equity release will reduce the value of your estate and your entitlement to means-tested benefits now or in the future, and impact long-term care funding. If you are considering equity release, we strongly recommend that you read our Equity Release page carefully and talk to one of our specialists before deciding if you wish to proceed.

We work together, we support each other.

 

And this drive shows in everything we do for our customers

Geoff Charles
CEO

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Our Commitment to Keep You Protected.

All our equity release lenders are members of the Equity Release Council, and we only ever recommend equity release plans that meet their high standards. For your added protection, your solicitor will carry out all the legal work. We also have a panel of Equity Release Council independent solicitors you can choose from, if that would help. These legal safeguards mean you are protected throughout your equity release journey.

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How Bower Home Finance can help you

If you’re thinking about unlocking cash from your home then you need to talk to the experts at Bower Home Finance. We are independent, professional and impartial. And our award-winning team of national, expert advisers will only ever suggest the plan that is the most suitable for you from all of the regulated whole of market providers.

Find an Adviser

Our Customer Reviews

Our Customer Reviews

Overall Ratings

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Reviews(142)
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    96%
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    4%
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  • TTrusted Customer

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  • MMrs Ling

    From the first contact until the equity was paid I found your representative Hazel Carter extremely easy to understand what equity release was all about. As one gets older sometimes new situations make elderly people feel quite nervous but I felt at ease throughout the whole meeting. Which made me feel confident that it was the right thing to do. She kept in constant contact and followed her promise to contact me to let me know what was happening to the moment the equity reached my bank account Extremely professional. Thank you

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  • TTrusted Customer

    We were very happy with the way Vanessa guided us through the process of arranging our equity release loan. Everything was explained clearly The whole application went smoothly and with no delays. My wife and I heartily recommend Bower Home Finance.

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  • MMr Bishop

    just they listen to you and help you through until the end i would do all a again stress free very polite company

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  • MMrs Cleaver

    The help was first class, with the equity release David George was extremely helpful to my dear sister , he really helped and talked to her using common sense which is really helpful and important with the situation we can not recommend bowers and David George highly enough sincerely yours and best regards Janet /carl

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  • MMr & Mrs Holt

    tracy was first class in all that we asked. she answered all our questions and explained all the details perfectly. I would recommend tracy to any person that was looking for financial service of any description. the meeting was most enjoyable. thank you tracy.

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  • MMiss Steel

    I received fantastic service. My advisor was very proffesional and guided me through the whole process he was very knowledgeable about the products and worked hard to find the right one for me. He was always there to advise me and answer any questions I may have. I would not hesitate to recommend this company and my advisor to anyone requiring these services. I would definately give them 10 out of 10.

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  • TTrusted Customer

    Everything explained clearly and patiently. Easy to make contact, and any queries handled quickly and efficiently. Examples showing the structure and content of the products were clear and helpful. No negative points to mention.

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  • MMrs James

    The service was excellent, any worries I had were listened to and explained. I never felt pushed into using equity at any time. I particularly rated my advisor Maxine Tanner, she has been amazing always there for me, patiently listening and helping me to achieve what I needed.

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  • MMr Hickson

    The advise was spot on and the mortgage was arranged with the right provider I am completely satisfied with the service

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  • TTrusted Customer

    The whole process was straightforward with guidance all the way. Clearly experts in the field of Lifetime mortgages.

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  • MMr & Mrs Riley

    Alays there for us for questions and answers, coming to the house to help with filling in forms. Jame's was always there for us. without putting any pressure on us to sign any forms.

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  • TTrusted Customer

    Not bad, however could improve communication to client and broker. Slightly delayed for funds to transfer.

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  • MMr & Mrs Kindon

    Bower were worry-free, polite, efficient and friendly and got the job done with no fuss or bother. They kept us in the loop at all times, making us feel at ease, and any questions we asked, they responded with clarity and accuracy. We highly recommend them to anyone selling their house and doing an equity release. And all the sub people were excellent. Vanessa Carver was brilliant; she made it run smoothly. She was a godsend.

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  • MMrs & Mr Mee

    Excellent service, very helpful and kept me informed of the procedure all the way through. This is the second time I have used them and would definitely recommend them.

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  • MMr & Mrs Blackwell

    Lisa was very efficient friendly and helpful. Everything was fully explained in a most friendly manner.

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  • TTrusted Customer

    Gave lots of information talking through & explaining all the alternatives. We had an advisor called Andy who was easy to talk to and ready to answer any questions or queries we had without being pushy and trying to sell us a product.

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  • TTrusted Customer

    Bower we're very efficient and helpful with my transaction with them. Lisa was brilliant and liased with me throughout and guided me through the process ..Thankyou Lisa so very much

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  • MMr Salt

    Considering Equity Release was a big decision for me. Living on my own meant I had no-one to bounce ideas off so I hesitated for three months before I made the decision to contact Bower Home Finance. I read the amazing reviews they had and decided they were the ones for me. I made the initial contact on the 4th November 2025 and by the next day I was talking to Ian Bigwood who had been allocated to me. Ian had the patience to answer all of my (sometimes silly) questions, but I wanted to make sure I was doing the right thing. Ian took on board everything I said, on where I needed to be in the next twelve months and my long term goals post retirement. He advised me perfectly on what I needed and remained in full contact throughout the process, even when I wasn't expecting to hear from him. He liaised with other parties such as an equally as professional Solicitor Team to provide a perfect, worry-free service and they all contacted me when they were meant to. No delays, no stress. On the 13th January 2026, Ian called to say "Have you checked your bank account?" (I hadn't). The process was complete. In just over two months, the process was done, with no worries for me. Just to say to Bower Home Finance, you have a thoroughly professional and likeable member of your team. Easy to deal with, no pressurised questions, just the information you need and on call whenever you need them. I have no hesitation in recommending their services. I can't see how any other company could be more efficient. 10/10 from me. Oh and Ian - you may have just changed my life. And for that, I cannot be more grateful. Thank you for all you have done.

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  • MMrs & Mr Cooper

    Excellent service, Sheila was upfront and honest from the start. She found the perfect deal for us. She was contactable and able to answer our many questions. The whole process ran smoothly and completion was quicker than we thought. Overall a very professional and friendly service and I would have no hesitation in recommending them to anyone wanting equity release.

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FAQs

There are many reasons people throughout the UK choose to release equity from their home, one of which is the goal to help and support their family financially.

There are many reasons people throughout the UK choose to release equity from their home, one of which is the goal to help and support their family financially.

 

From helping to fund university fees, to gifting money to help family members get onto the property ladder, equity release can help you release tax-free funds from your home.

 

Read more about using equity release to help family.

There are many reasons people throughout the UK choose to release equity from their home, one of which is the goal to help and support their family financially.

IMPORTANT TO KNOW

 

At Bower Home Finance, we will understand your unique circumstances and advise you to ensure you are receiving the best plan to meet your objectives. There are plans that allow you to make voluntary repayments and move home, subject to lender criteria. However, early repayment charges may apply in certain circumstances.

Bower Home Finance provides independent, impartial whole of market equity release advice with an award-winning customer service experience. Initial advice is provided at no cost to you and without obligation. Only if you choose to proceed and your plan completes, would a typical advice and administration fee of £1,695 be payable.

Equity release requires paying off any existing mortgage. Any money released, plus accrued interest to be repaid upon death, or moving into long-term care. Equity release will reduce the value of your estate and your entitlement to means-tested benefits now or in the future, and impact long-term care funding. If you are considering equity release, we strongly recommend that you read our Equity Release page carefully and talk to one of our specialists before deciding if you wish to proceed.

To find out more about any of the products and the service we provide, please call us on freephone 0800 411 8668request a call back, email us, or use our live chat on our website.

Please be aware that equity release may involve a home reversion plan or lifetime mortgage which is secured against your property. All features and risks are thoroughly explained in your free personalised illustration.