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Equity Release Advice


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Equity release is a solution for those who wish to pay some or all of the interest or make capital repayments to prevent the debt from rising.

Some homeowners worry that taking out a roll-up Lifetime Mortgage means the size of the loan increases as the interest on the initial loan accumulates over time.

Plans from several providers now address these concerns by offering the homeowner the opportunity to either pay some or all of the monthly interest on the loan and/or make ad-hoc lump sum capital repayments.

Either - the homeowner is given the option to pay all or part of the interest for a fixed period (for example, 1year, 5 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 the homeowner decides they no longer want to pay the interest during the period agreed, the loan reverts to a roll-up Lifetime Mortgage and no further monthly interest payments are required.

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

Some features of equity release

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 homeowners own income or their children/beneficiaries can 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, making it far safer.

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Bower is authorised and Regulated by the Financial Conduct Authority (FCA). If you would like to find out more about Bower, call free phone 0800 411 8668. You’ll speak directly to an expert, professional adviser who’ll arrange to come and see you in the comfort of your own home at a time to suit you.

And if it helps you feel more comfortable, please invite friends and family along too.

Equity release has made a genuine, lasting, positive difference to the lives of thousands of people in the UK. Call us today and let’s see 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 typical advice and administration fee of 1.85% of the loan amount be payable.

This is a lifetime mortgage or home reversion plan. To understand the full features and risks, please ask us for a personalised illustration.