Find out how much you may be eligible for in minutes, completely free and with no personal details required to see your results.
Which best describes your situation?
OK, so you're looking at Equity Release (Lifetime) Mortgage options. Let's find out how much you could be eligible for.
Firstly, can you please confirm if you are a homeowner?
Do you have a mortgage on your property?
Who is your current mortgage lender?
In order to get an equity release mortgage, your mortgage will need to be repaid in full. How much is outstanding on your mortgage?
Is your property solely or jointly owned?
What is your current age?
You must be 55 or over to be eligible for equity release.
What is the age of the youngest owner of your home?
Both applicants must be 55 or over to be eligible for equity release.
Aside from your mortgage, how much extra money are you looking to raise?
What are you raising the additional capital for?
You may select more than one option.
What type of property do you own?
What is the tenure of your property?
Is the property in a standard residential area?
Is the property of standard construction?
Is the property in good condition and ready for normal sale on the open market?
Is it a studio flat?
What is the approximate internal floor area?
What is the approximate remaining lease term?
Are there any high service charges, event fees, resale fees or exit fees?
Are there any known title issues, restrictions, or unusual legal arrangements?
Does the property have any flying freehold element?
Is there any restriction on who can occupy the property?
Are there any resale restrictions, management fees or event fees?
Is the property near commercial premises such as shops, pubs, takeaways, garages or warehouses?
Please select the closest description of your property's construction:
Please provide any further construction details (optional):
Does the property have a thatched roof?
Does the property have a flat roof?
Is the property a listed building?
What type of listing is it, if known?
Does the property have an annexe, separate accommodation or outbuilding used for living purposes?
Please tell us a bit more about the annexe.
Does it have a separate entrance?
Does the annexe have separate services or utilities?
Does the annexe have separate council tax?
Does the annexe have a separate title?
Who occupies the annexe?
Has the property ever been affected by flooding?
Is the property in a known flood-risk area?
Is the property near pylons, substations, high-voltage power lines, or other significant infrastructure?
Is the property ever used for short-term letting, holiday letting or Airbnb?
Is anyone living at the property other than the owners/applicants?
Who else lives at the property?
Does the property need major repairs or structural works?
Are there any of the following issues with the property?
Select all that apply.
Is the property any of the following?
How is the property used?
Is any part of the land or grounds used for commercial purposes?
Was the steel frame construction built before or after 2000?
Approximately what percentage of the external walls are single skin construction (under 225mm)?
Approximately how old is the property?
Does the property have a recognised new build warranty (e.g. NHBC Buildmark, LABC, Premier Guarantee)?
How many floors does the building have in total?
What floor is your flat on?
Is there a working lift in the building?
How many annexes does the property have?
Has the property ever been underpinned?
How would you describe the structural movement?
Is there anything that might prevent a valuer from being able to carry out a full inspection of the property?
For example, excessive clutter, hoarding, or restricted access.
Based on the information you have provided, your property may be unlikely to meet the security requirements for a typical equity release mortgage.
This does not always mean that no options are available, but it does suggest that this type of lending may be difficult on the property as described.
If you would like, you can still submit your enquiry and one of our advisers will review the details to confirm whether any lenders may be able to consider it, or whether there may be other routes worth exploring.
Based on the information you have provided, your property is not suitable security for an equity release mortgage.
Equity release lenders have strict property requirements, and the details you have entered fall outside what is normally accepted.
As things stand, we would not expect this property to be eligible for an equity release application. If any of the information provided is incorrect, you can go back and amend your answers.
Does your property have spray foam insulation?
What is the value of your property in the current market?
Free Online Valuation
Get an instant estimate based on your property details. We'll ask a few quick questions to refine the result.
Almost there — let's take a few personal details so we can help you properly.
OK, so now you've seen an indication of what may be possible. The next step is to share a few personal details so we can review your circumstances properly.
Let's start with your name.
What's the best number and email to reach you on?
When would you like us to call you?
We're available Mon–Thu 9am–6pm and Fri 9am–4pm.
Almost done!
An adviser from Charwin Mortgages will call you on . Your preferred call times are:
Thank you for your enquiry. One of our later life lending specialists will be in touch shortly to discuss your circumstances, answer any initial questions and help you understand whether equity release could be suitable for you.
If you would prefer immediate assistance, please call us on:
Whether your goal is to release tax-free cash, repay an existing mortgage, improve your home, support your family or create more flexibility in retirement, we are here to guide you through the options clearly and carefully.
There is no pressure and no obligation — just expert advice to help you decide what is right for you. We look forward to discussing your options in detail.
Charwin is a specialist UK equity release broker helping homeowners aged 55 and over explore lifetime mortgage options with confidence. Whether you want to release tax-free cash, repay an existing mortgage, support family, or improve your retirement finances, we can help you understand what may be possible.
Use our equity release calculator to check your options, see how much you could release, and take the first step towards expert lifetime mortgage advice.
Equity release is a major financial decision, which is why our later life lending advisers guide you carefully through every stage with clear, thoughtful and specialist advice.
Release money tied up in your property while continuing to live in the home you know and love, giving you greater financial freedom without the upheaval of moving.
Whether you want to repay an existing mortgage, improve your home, support family or create more flexibility in retirement, we help you find a solution built around your goals.
We believe good advice should feel reassuring, not pushy. That means honest explanations, straightforward conversations and the time to make the right decision for you.
We look beyond the immediate need for cash and consider your wider plans, priorities and long-term objectives so any recommendation fits your future as well as your present.
Later life lending can seem complex, but we make it easier to understand with clear guidance, carefully explained options and support from start to finish.
Charwin helped me through the most traumatic time of my life to secure a mortgage and give myself and my family a future! I would not hesitate to use this company again and cannot rate them highly enough.
Charwin explored with us all the options available and guided us through the process wisely and left us best equipped to make our decision on which lender was best for us.
From start to finish the level of service we have received from Charwin has been exceptional. They kept us informed every step of the way making sure our mortgage application went through seamlessly.
They got me the best mortgage rate at very short notice and helped me every step of the application. I have already referred my friend and will continue to use them for any further applications.
From the beginning Mark and his team have been amazing. Our situation was a little complex shall we say and nothing was too much bother. Mark most definitely has a lot of experience and knowledge which has helped us massively. He is 100% trustworthy and reliable. This is just the start of our journey with Charwin Private Clients. We have no hesitation recommending Mark.
Graeme and Molly from Charwin have been instrumental in helping me to remortgage to be able to consolidate my debts. I honestly had lost hope as my credit rating was so low, but after reading the reviews for Charwin, took a chance and about 3 months later my stress levels and worries have reduced considerably. I can start planning and living rather than scraping by. Thank you.
I'm in the money, I'm in the money 💰 It arrived yesterday evening, all my debts are paid and I'm researching different tiles for my kitchen/dining room, and getting ready to smash tiles off my bathroom walls — the terrible 80's design will be no more. Thank you Richard and Molly so much for all of your help and perseverance through all the absolute chaos, the mortgage providers inability to process simple information, and my moments of losing the will to live. You are both spectacular and I thank you again for all of your hard work.
Speak to Charwin today for expert equity release and lifetime mortgage advice.
As a specialist broker in equity release and later life lending, we help homeowners aged 55 and over explore lifetime mortgage options with clear, careful and professional advice.
Whether you want to release tax-free cash, repay an existing mortgage, improve your home, support family or create greater financial flexibility in later life, we are here to help you understand your options properly.
We're here Monday to Thursday, 9am to 7pm, and until 4pm on Friday.
01603 216881| Age | Max LTV % | Live Preview |
|---|
