Who can take out equity release?

Typically homeowners aged 55 or over, with a property that meets the lender’s criteria. The age of the youngest homeowner and the property value set how much can be released.

Does the client keep owning their home?

With a lifetime mortgage, yes. The loan and the interest that builds up are usually repaid from the sale of the home when the last homeowner dies or moves into long-term care.

Will it affect inheritance and benefits?

Yes, it can. Equity release reduces the value of the estate and may affect entitlement to means-tested benefits. The advice covers both, along with the alternatives.

Will you advise my client on anything else?

No. We only advise on the product area you refer, and we never cross-sell. Your client relationship stays yours.

Equity release for introducers

Equity release for introducers.

Later-life clients who want to release money from their home, advised by specialists who look at the whole picture, including the family and the alternatives. Refer the case once, follow it in your portal, and keep the client relationship.

Book a demo →

FCA authorisedSpecialist lender panelLending since 2011

What we need to look at an equity release case

Ages of everyone who owns the home
Property value, type and tenure
Any mortgage or secured debt still on the home
How much the client wants, and what it’s for
Health and lifestyle, which can improve the terms
Means-tested benefits received, and whether family should be involved

Send it through your portal once you’re registered. A specialist is notified on submission.

Equity release for introducers

When equity release may fit

An interest-only mortgage reaching its end

The balance is due and the client wants to stay in the home.

Money for later life

Topping up retirement income, adapting the home, or paying for care.

Helping family now

Gifting a deposit or support while the client is alive to see it used.

Clearing debts in retirement

Removing monthly payments that strain a fixed income, where that suits the client.

Assessment

What we look at

Age and property: The youngest homeowner’s age and the property’s value set how much can be released.
The effect on the estate: How interest builds up over time, and what that means for what the family inherits.
Benefits and tax: Whether releasing money could affect means-tested benefits or the client’s tax position.
The alternatives: Downsizing, a retirement interest-only mortgage, other borrowing, family help or doing nothing.

How it works with Charles Frank

01
Refer it
Send the case through your portal by photo, document, voice or the form. Tell us whether family will be part of the conversation.
02
We advise
A Charles Frank equity release specialist advises the client, explains the effect on their estate and benefits, and looks at the alternatives.
03
Track it
Valuation, offer and legal progress stay visible in your portal through to completion and commission paid.

See how capture works →

Same day

acknowledgement

4 hours

to assessment

48 working hours

to commission after completion

Protected

your client relationship

We only advise on what you refer, and we never cross-sell. Your client stays yours.

Introducer questions

Equity release: introducer questions

Who can take out equity release?: Typically homeowners aged 55 or over, with a property that meets the lender’s criteria. The age of the youngest homeowner and the property value set how much can be released.
Does the client keep owning their home?: With a lifetime mortgage, yes. The loan and the interest that builds up are usually repaid from the sale of the home when the last homeowner dies or moves into long-term care.
Will it affect inheritance and benefits?: Yes, it can. Equity release reduces the value of the estate and may affect entitlement to means-tested benefits. The advice covers both, along with the alternatives.
Will you advise my client on anything else?: No. We only advise on the product area you refer, and we never cross-sell. Your client relationship stays yours.

Your later-life clients, advised properly and still yours.

We only advise on what you refer, and we never cross-sell to your client. Register for portal access, or talk it through with Samantha Turner first.

Call 029 2167 0142 →

Equity release will reduce the value of your client’s estate and may affect their entitlement to means-tested benefits.

Charles Frank Finance Ltd is authorised and regulated by the Financial Conduct Authority (FRN 624668). Registered in England & Wales, company no. 07791769. Registered office: 89 Cardiff Road, Taffs Well, Cardiff CF15 7PL. ICO registration Z2962200. This page is intended for FCA‑authorised intermediaries and professional introducers, not retail clients.

A LIFETIME MORTGAGE IS A LOAN SECURED AGAINST YOUR HOME. CHECK THAT THIS MORTGAGE WILL MEET YOUR NEEDS IF YOU WANT TO MOVE OR SELL YOUR HOME OR YOU WANT YOUR FAMILY TO INHERIT IT. IF YOU ARE IN ANY DOUBT, SEEK INDEPENDENT ADVICE.