Call us for free on
0800 411 8668
Call us for free on
0800 411 8668
Aged over 55? Then you could be eligible for Equity Release. Use the cash for almost any need – clear an existing mortgage, make home improvements, boost retirement finances, free disposable cash & more.
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Compare and access the best rates on the market.
Our nationwide advisors offer obligation-free consultations.
We’ll help you on your way to reaching your financial goals with independent, honest advice.
The amount of equity stored in your home is equal to the value of your home minus any outstanding mortgages or secured loans. Our advisers can help you through your equity release journey with honest, whole of market advice.
A few of our
Lenders
Some of the
Awards we’ve won
Our trade body
Membership
There are many reasons to release equity from your home including helping friends and family.
By clearing any existing debts and mortgages, you can free up your retirement income and do the things you love with equity release.
From general home improvements to home adaptations, equity release could help fund these changes with tax-free cash.
By unlocking the cash tied up in your home, you could boost your retirement income.
Give a gift of tax-free cash from you home to help family onto the property ladder, with a wedding and much more.
You can opt to make voluntary payments to reduce the compound interest with lifetime mortgages
‘No-negative guarantee’ means you will never have to repay more than the value of your home
Inheritance Protection allows part of your home’s value to guarantee inheritance to your loved ones.
Your Entitlement to certain state could be affected by executing Equity Release on your property.
Many plans will include early repayment charges. There may be a financial penalty if you wish to repay or end the mortgage early
Lifetime mortgage loan amount increases with compound interest over time.
We’re an award winning Equity Release Broker here to help you on your way to reaching your financial goals. If you’re over 55, find out how much tax-free cash you can release today.
Meet your own, personal, dedicated advisor that will be there with you from A-Z.
As a whole of market broker we can source plans from all available lenders, ensuring you get the best deal.
We’ll carefully search through the best entities to find the best deals for you
As a whole of market broker we can source plans from all available lenders, ensuring you get the best deal.
We’ll look at your current circumstances and needs and recommend a plan that’s right for you. If equity release isn’t right for you we’ll also let you know.
Learn more about Equity Release and what matters most with regards to the finer details.
The Equity Release Council is a consumer-centric trade body that provides protection and reassurance to consumers looking to release equity from their home. All members of the Equity Release Council adhere to the highest standards and ethical practices.
As proud members of the Equity Release Council, we will only recommend Equity Release Council plans or those that have the same set of guarantees. This includes a no negative equity guarantee and the right to remain in your home for life if it remains your main residence.
Learn more about the Equity Release Council safeguards.
The amount of equity you are able to release will depend on several factors such as your age, the type of property you own and its value.
You can use our free equity release calculator above to get an estimate of how much you could release.
In order to be eligible to apply for a lifetime mortgage, you will need to:
Bower are independent ‘whole of market’ equity release advisers, which means we have relationships with all equity release product lenders and have access to every regulated company and plan on the market.
The advantage of coming to Bower is that you will have access to all the equity release companies in the UK, not just one company. This means that you could save thousands of pounds by accessing a lower interest rate and a more suitable plan, for instance one with low early repayment charges or the flexibility to make over payments.
Your adviser will take you through the full range of lenders we work with during your free, no-obligation appointment.
Some of these lenders include: Aviva, Legal and General, Just Retirement, Liverpool Victoria (LV), More2Life, Canada Life, Pure Retirement, Royal London, and Crown Equity Release.
There are a number of alternatives to equity release, these can include:
Get in touch and we will happily discuss all your options and can make a recommendation as to which one may be best for you.
We’re an award winning Equity Release Broker here to help you on your way to reaching your financial goals. If you’re over 55, find out how much tax-free cash you can release today.
Vanessa was very friendly clear efficient and more!. The overall service was very professional very quick overall as good as I've received in all my time in business. . Highly recommended. Regards Elias
My Equity Release was dealt with by Neil Wallace who I must say was extremely helpful and a calming voice though out the whole process !!
At our first meeting and throughout my wife and I found Bower's Representative, Richard Miller, very clear in his explanations and helpful in achieving our joint objective, which was to lessen the impact of Inheritance Tax. All our options were canvassed and dealt with to our satisfaction. When problems / questions arose he dealt with them. Well done.
Excellent service everything explained very well would recommend to friends and family if ever needed . Steve was very good explaining everything and very receptive to any queries or questions we contacted him over.
First rate service and communication with Equity Release Advisor , Vanessa Carver. Always responded promptly and ensured the whole process went through speedily and calmly. This is my second time I have had the pleasure of engaging Vanessa and I would not hesitate to recommend her.
Everything was taken care of at home even the solicitor came to explain everything excellent service highly recommended
My initial enquiry relating to further equity release drew a negative response. Then out of the blue I received a call from John Milner and after discussion he was able to facilitate further funds. He kept me updated on progress leading to a successful conclusion. The discussions were all by telephone and as John speaks very quickly it was on occasion difficult to absorb all the information he was giving me. The solicitors recommended, Gilroy Steele, did send me correspondence by post however the printing was very feint making it difficult to read. I was advised in the letter to log on to the Portal but not supplied with password etc. So I had to call and was told to ignore that instruction. The solicitor who visited me for ID and signature purposes was clear in hi explanation and very efficient. After his visit I received another letter asking me to sign attached documents which were all the ones I signed during his visit. So somewhat confusing another phone call and not needed.
Excellent Service from start to finish. Phil was an absolute professional could not fault him. Professional, thorough and always approachable, nothing was too much. We would recommend them 100%.
The service we received was very good. Vanessa who was our original contact is a very lovely lady and understood why we were going down the route of an equity loan. She explained everything in detail and we felt at real ease with her. We cannot thank her enough.
Very good, excellent service.
Very helpful and informative. Covered all the issues in depth. Assisted in the process from start to finish and always available for help and information.
James was very professional and helpful all the way through the whole process. Could not fault him .
Excellent, John Milner couldn’t have been more helpful. Thank you very much!
Exellent service from start to finish. Every step was thoroughly explained and we were kept informed as things progressed. Would happily recommend Maxine and Bower.
Great service from Bower and especially John Milner who saw us through the process in a ver friendly manner. John found the best deal for us and explained everything in detail, so we knew how the process would work. We are grateful for all the help John gave us and would recommend Bower if you are considering Equity release.
Quick, efficient & honest service… Everything was done on schedule or quicker.
Seamless. Very helpful and informative.
Ben was clear and precise. The whole procedure was easy to follow. A big thankyou to Ben
Essentially, the service is friendly, effective and efficient. Our liaison consultant, John Brown, was expert in achieving our goals in relation to Equity Release and he kept us informed throughout with regard to progress. I would have no hesitation in recommending both Bower and John if you are contemplating Equity Release. The firm of solicitors recommended to us by Bower were also first-rate - they were friendly and efficient too.
At Bower, 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.
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.
Bower Home Finance provides independent, impartial whole of market 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.
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 0808 178 7251, request a call back, email us, or join our live chat you’ll find 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.
Fantastic service . Helpful and professional from start to finish . I was pleasantly surprised how easy the process was and Bower offered professional advice and support throughout the whole process