Call us for free on
0800 411 8668
Call us for free on
0800 411 8668
Borrow money against the value of your home by taking out a lifetime mortgage. No monthly repayments required. Though you can opt to make monthly repayments to avoid compounding interest.
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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.
The help provided for me by all those involved in the process of Equity Release was excellent. I would like to thank everyone and also to mention the particular assistance of Mr Andrew Card. He gave me clear and helpful advice, enabled the whole arrangement with speed and courtesy. I am extremely grateful to him for the time he took to explain the various aspects of the Release and for the prompt way in which he responded to my queries. Thank you to all involved.
From start to finish it was very good
Andrew Card was.....Professional Helpful Friendly Knowledgeable and an asset to the business
I had gold-plated service from Bower. Couldn't recommend them highly enough. Vanessa Carver was astute, attentive, and swift to answer any questions.
Very friendly & informative. Listened to our requirements and was not pushy. Arranged appointment at our convenience.
Steve was very supportive and made me feel well looked after through the whole process. I received updates and check-ins, which was very reassuring . Many thanks, Steve, for making the experience worry and hassle free .
Ian Bigwood is our home finance adviser. Without hesitation we would recommend Ian's advice to our family and friends. Ian made it very easy for us to understand the policy. If we need more advice we know Ian is only a phone call away. Best wishes to Ian and the Bower team.
Vanessa was very thorough and timely in all our interactions with her. She secured the exact right product for us and was so knowledgeable throughout the whole process. We are very grateful for her expertise and care in guiding us through to a successful conclusion. Many thanks
Andrew Ferrett was very helpful and understanding.
The service was easy, explained very well for me in terms which I could easily understand. Financial service products can be complicated for people who are not familiar with the terminology and the product types. For me it was an easy to understand process. Thank you to Vanessa for her professionalism, support and expertise.
Maxine Tanner was brilliant. She kept in touch and was so encouraging when there was a problem. The rest of the team were helpful so O really feel that Bower Home Finance is to be recommended.
Total help and communication throughout the whole process
Andy O’Connor was terrific, he guided us through the whole procedure with patience and kindness
Andy was always very helpful and supportive during difficult house move
I found John Milner and his assistant Jane to be extremely helpful. The whole process was explained fully to me which I found very reassuring. They were always at the end of the phone if I had any queries and dealt with them promptly. I have no hesitation in recommending Bower to anyone looking to take out Equity Release.
This was a very stressful time for me however the professional yet kind and considerate approach by your representatives put me at ease and prepared to go forward
Our experience from start to finish was amazing, Ben was very thorough and helpful he explained everything in detail.
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.
Excellent . Thank so much Vanessa . Would recommend