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To see how much tax-free cash we can help you release, simply enter your details into our Equity Release Calculator.

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Key equity release features

It’s good to know that the debt does not rise as fast if some, or all, of the interest is being paid (or a capital repayment is made).

Interest or capital payments can come from the homeowner’s own income. Their children/beneficiaries can also provide the funds.

Unlike a conventional mortgage, homeowners have no risk of losing their homes if they do not keep up interest payments or fail to make a capital repayment.

Some homeowners are concerned that taking out a roll-up Lifetime Mortgage will increase their loan over time as the interest on the initial loan accumulates.


But there are two ways that let you pay some (or all) of the monthly interest on the loan and/or make ad-hoc lump sum capital repayments.

You can pay all, or part, of the interest for a fixed period (for example, one year, five years or even up to the lifetime of the loan).


From the end of the interest payment period, the interest on the loan rolls up at the rate agreed at the start of the contract.


If you no longer want to pay the interest during the period agreed, the loan reverts to a roll-up Lifetime Mortgage. Then no further monthly interest payments are required.

You can pay a percentage (typically 10%) of the original amount borrowed each year without penalty. There is no compulsion attached to this facility.


Bower is authorised and Regulated by the Financial Conduct Authority (FCA). To find out more about us and how we can help you, call 0203 817 6051 where you’ll speak directly to an expert, professional adviser.

Equity release has made a genuine, lasting, positive difference to the lives of thousands of UK homeowners. Learn more about how we can help make a difference to yours.

Bower provides independent, impartial whole of market advice with an award winning customer service experience. We work alongside our clients using a highly collaborative approach. We provide you with an initial consultation at our expense and we work with you on a short-term or an on-going basis, according to your needs. Only if you choose to proceed and your plan completes, would a maximum advice and administration fee of 1.85% of the loan amount be payable.