The Process
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The lifetime mortgage process is fairly similar to that of a traditional mortgage and can take around the same length of time. Here we talk you through the steps.

The Process
The Process
In Detail

Speak to a specialist

A qualified Equity Release Adviser will answer any questions you have and give you all the information you need.
Call free on 0800 860 0024 to find out if you qualify.

Discuss with your family

It's important to discuss your plans with family as any decisions you make now could affect them later down the line.

Initial no-obligation conversation

Your dedicated adviser will discuss all your options with you and find out about your individual circumstances and requirements.

Searching the market

At your request, your adviser will conduct their research and compare all the plans available to find the one that’s right for you.

Second conversation

Our dedicated adviser will present their recommendation to you and answer any questions. They will also provide you with a personalised report.


If you decide to go ahead, Fluent will package your application with the chosen provider and an independent surveyor will be instructed to value your property.


The next stage is for the provider to issue an offer. This includes full terms and conditions for you to approve and sign.


An independent solicitor will cover the legal aspects for you.

Completion - Cash released

Typically, we estimate around 8 -10 weeks from application to completion. Time to start enjoying yourself and doing all the things you've planned.

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