Fluent Lifetime - Unlock tax-free cash from your home
We speak your language

Unlock tax-free
cash from
your home

Getting the best advice is very important. Our fully qualified advisers follow strict rules and guidelines, ensuring you are recommended a plan that is right for your individual needs and circumstances.

Lifetime mortgages explained

Fluent Lifetime - Unlock tax-free cash from your home
Calculate How
Much You
Could Release

Equity Release
Calculator

See how much tax-free cash you could release with our free lifetime mortgage calculator.
Your Age (55+)*
Please enter your age. You must be aged 55 or over to apply
Your Home's Value £
With A
Lifetime
Mortgage?
Low Interest Rates
Access tax-free cash to spend as you wish
Stay in your home for as long as you choose
Guarantee an inheritance for your loved ones
No monthly re-payments unless you choose to do so
Secured against your home just like a traditional mortgage

We understand that a lifetime mortgage is a big financial decision and one that takes consideration. We pride ourselves on being transparent and supportive. If equity release isn't right for you, we'll tell you!

The value of your estate will be reduced and entitlement to means tested benefits may be affected.

What is
a Lifetime
Mortgage?

The most popular type
of equity release plan

A lifetime mortgage, the most popular type of equity release plan, allows homeowners aged 55-95 to unlock some of the value tied up in their homes, tax-free.

If you’ve owned your home for a number of years, it’s likely to be worth more than you paid for it. According to Nationwide, average house prices have risen from £66,366 in 1998 to £216,103 in 2018, more than tripling in the last 20 years.

It’s not surprising then to see that an increasing number of over 55’s are looking to their homes as a way of boosting their retirement finances. Your house is likely to have been one of your biggest investments and can be seen as much a part of the wealth you’ve built up over the years as a pension or savings.

You’ve worked hard all your life and made regular mortgage payments and now you’re sitting on a valuable asset. The key is to find a way to access this wealth that you’ve built up.

Many plan to downsize to a smaller property, but with a lifetime mortgage you can stay in the home you love and unlock that cash tax-free.