Thinking about releasing equity from your home? Make sure you understand these 5 key points first. Especially #3
By Michelle Morris - Last Updated 02/06/2025
#1
• Access tax-free cash without having to move home
• No required monthly repayments during your lifetime
• Remain the homeowner with the right to stay as long as you wish
• Flexible options to take funds as needed or in a lump sum
• Protected by industry safeguards including the no-negative-equity guarantee
Comparing Lenders Offers Could Mean Thousands Saved
You could be offered a significantly different rate depending on which lender you speak to. Some people find a better deal simply by comparing offers.
Why it matters: Even a small difference in interest can add up to tens of thousands of pounds over time.
#2
Your Age and Home Value Affect Your Quote
Most people don’t realise how much personal factors influence what they’re offered. Lenders use things like your age, location, and home value to set terms.
What this means: Someone 5 years older could unlock more cash and get a better rate just due to their age.
Thinking Of Releasing Equity From Your Property?
#3
You Could End Up Overpaying Without Realising
We’ve seen cases where people nearly signed deals that would have cost them thousands more in interest than they needed to. Why? They didn’t check what else was out there.
Lesson: Always compare. It's quick, free, and could save you a small fortune.
#4
There Are Tools That Make Comparison Easy
Many people think you have to go to each lender individually. Not true. The Equity Release Guide offers a free quote comparison tool that checks leading lenders in under 60 seconds.
You’ll see: What you could unlock and who offers the best rate for your situation.
#5
You Don’t Have to Commit to See Your Options
You can simply get a free no obligation quote that doesn’t affect your credit and you won’t be pressured to proceed. It’s just about seeing what your choices actually are.
Peace of mind: Many users say they felt more confident knowing what all their options were.
Key Benefits:
Common Uses:
• Access to tax-free cash
• No monthly repayments
• Remain 100% homeowner
• Never Be In Negative-equity
• Pay off your mortgage
• Improve your home
• Gifting to family
• Boost income
What To Compare When Considering Offers:
Yes, it's important to 'compare offers', but what does this actually mean?
So many obsess over interest rates, and this is important, but there's many features to compare when looking at equity release offers, such as:
Inheritance Protection
Downsizing Protection
Early Repayments
Interest Options
Access To Funds
Health Benefits
Rate Types
Portability
Our goal at The Equity Release Guide is to make the process as easy as possible, so you can compare all of the features and make the right decision which will benefit you most.
Equity release is a big step, and we want to help you make an informed decision, so if you need advice or are wondering if equity release is rigt for you, click below to connect with one of our experts.
You might be suprised! For many, releasing equity is a means to reduce inheritance tax or protect from downsizing, there are many hidden benefits that can be of great benefit to you.
How Can We Help You Compare?
MARKET COVERAGE
EXPERT SEARCH
EXCLUSIVE RATES
Access to 70+ providers including specialist lenders
Independent advisors search the market, unlike banks
Find rates offered exclusively to certain brokers
INHERITANCE BENEFITS
BROKER ONLY DEALS
FAST & EASY PROCESS
Inheritance guarantees & no negative equity protection
Access deals that aren't available direct to consumers
Complete in under 5 mins & save weeks of research
The Equity Release Guide specialises in helping homeowners find the best quotes and connect with trusted experts who are fully authorised and have no hidden fees. The initial consultation is completely free and no obligation, just click below to get started.
Select Your Location To Get The Best Quotes Available To You
Nothing on this website constitutes as financial advice. If you need financial advice you should speak to a qualified financial adviser. This website provides information only, and the choice of product is for you alone to choose. The Equity Release Guide is an independent marketing website which acts as an introducer to companies who offer financial advice and are regulated by the FCA. The equity release guide is not authorised to give any advice and nothing on this website should be taken as financial advise. We are not liable for any financial advice provided by any third party. The content on this page is for information purposes only. You will be charged a fee from the specialists who arranged your equity release deal, should you release equity from your home and choose to use their service
* ERG approved partners have been approved by the equity release guide to help you with your equity release enquiry.
© The Equity Release Guide 2025 (All Rights Reserved)
St Johns Road, Tunbridge Wells, Kent, TN4 9PH
What are cookies ?
Cookies are small files that are stored on a user's computer. They hold modest amounts of data specific to a particular client and website, and can be accessed either by the web server or the client computer. This allows the server to deliver a page tailored to a particular user, or the page itself can contain some script which is aware of the data in the cookie and so is able to carry information from one visit to the website (or related site) to the next.
Cookies that we use:
We use session cookies to: keep track of you whilst you are browsing through our website.
Persistent cookies are used to so we can recognise you when you visit our site.
All session cookies are deleted when you exit your browser, however persistent cookies remain on your computer until they either expire or are deleted. You can delete these cookies in your browser settings at any time.
Most browsers allow you accept cookies or if you wish to, you can reject all cookies. This will, however, have a negative impact upon the usability of many websites, because many websites adapt to be more user friendly in correlation to your cookies.
This privacy policy explains how The Equity Release Guide (a trading style of Smarter Clicks Financial Services Ltd) will collect personal information from you, and how we will use and store this information. The Equity Release Guide (company number 10660222) is the data controller in relation to processing the personal information that you provide to us. Its registered address is Registered Office; St Johns St, Tunbridge wells, Kent, TN4 9PH. The Equity Release Guide is registered with the Information Commissioner's Office ('ICO') under the Data Protection Act 2018 ('the Act') with registration number ZA026964.
Smarter Clicks Financial Services host the The Equity Release Guide website (the 'Website') and will collect information, including personal data you provide through the website. Any information that you submit through the Website will then be shared securely with our trusted panel of lenders and or credit brokers ('Our Partners') to help you find the financial product that you have expressed an interest in applying for. You may then be contacted by telephone, email, SMS or automated message using the information you have provided.
This privacy policy (together with our Terms & Conditions, Cookie Policy and any other documents referred to in it) set out the basis on which any personal data we collect from you, or that you provide to us, will be processed by us.
1. INFORMATION WE MAY COLLECT FROM YOU
1.1 We may collect and process the following data about you:
1.1.1 information that you may provide by filling in online forms and registration forms on this Website, and we may also ask you for information in the event you report a problem with our Website;
1.1.2 correspondence, or a record of it should you contact us;
1.1.3 surveys that we use for research purposes, which we may ask you to complete, although you do not have to respond to them;
1.1.4 details of your visits to our Website (including, but not limited to, traffic data, location data, weblogs and other communication data, whether this is required for our own billing purposes or otherwise) and the resources that you access;
1.1.5 information to help verify your identity;
1.1.6 information from third parties in respect of you which may include your employer, a referee or a person residing or working from another country.
2. HOW WE STORE YOUR PERSONAL DATA
2.1 The Equity Release Guide uses industry standard security measures to ensure the security of all data. Any data that is stored on The Equity Release Guide secure servers is treated as proprietary and confidential and is not available to the public. The Equity Release Guide has an internal security policy with respect to the confidentiality of personal data, allowing access only to those employees or third parties who have a need to know such information for the purpose of effectively delivering The Equity Release Guide products and services by means of user login and password requirements. The Equity Release Guide routinely evaluates its data security practices to identify security threats or opportunities for improvement.
2.2 No transmission of data over the Internet is guaranteed to be completely secure. It may be possible for third parties not under the control of The Equity Release Guide to intercept or access transmissions or private communications unlawfully. While we strive to protect your data and have taken all possible measures to do so, The Equity Release Guide cannot completely ensure or warrant the security of any information you transmit to us.
2.3 Please note that we'll keep information about you securely stored only for as long as we're allowed to for legal, regulatory and legitimate business purposes.
3. HOW WE USE YOUR INFORMATION
3.1 We use information held about you to:
3.1.1 process and submit your application form to our trusted partners via email, CRM, or secure XML;
3.1.2 remain in contact with you by telephone, sms and/or email for a limited time after you have submitted your application form through our Website to do our best to ensure you find the financial product that you have expressed an interest in applying for;
3.1.3 tell you about other products, services, activities and/or events, either from us or other companies that may be interesting to you, unless you tell us not to contact you about these or other promotions;
3.1.4 pass to our trusted third party marketing partners (if you have provided your consent for us to do so) who may contact you by telephone, sms, post or email about their products and services;
3.1.5 respond to your enquiries or complaints;
3.1.6 carry out system testing and training, and
3.1.7 improve the accuracy of our records (including your address and contact details).
3.2 If you would like to opt-out of receipt of marketing communications from us at any time you may do so by sending an email by clicking here or by writing to us at The Equity Release Guide, St Johns St, Tunbridge wells, Kent, TN4 9PH.
3.3 If you opt-out of our use of your data for marketing purposes, we will honour this once we have had a reasonable opportunity to process your request. We reserve the right to take reasonable steps to authenticate your identity with respect to any such request or other enquiry.
3.4 If you have provided us with consent to pass your details onto our carefully chosen third party marketing partners, then they may use your data, to provide you with information about products and services which they think may be of interest to you. They may contact you about these products and services by post, e-mail, telephone and/or text message. If you want to opt-out of continuing to receive such marketing communications, you should contact that third party directly.
4. DATA TRANSFER
Although we do not routinely transfer personal information outside the European Economic Area (EEA), we may be required to transfer your personal data to any of Our Partners or suppliers if they are based outside of the EEA. Where this is the case, we will make sure that they agree to: keep it secure; apply the same levels of protection as we are required to apply to information held in the UK, and to use it only for the purpose of providing the service to us. By submitting your personal data, you agree to this transfer, storing or processing.
5. DISCLOSURE OF YOUR INFORMATION
5.1 We may disclose your personal information to third parties:
5.1.1 when we have your permission and/or where we're allowed to or have to by law;
5.1.2 when sharing it with credit reference or fraud prevention agencies in the ways we have explained in this privacy policy;
5.1.3 so other companies – including those based outside the EEA – who provide a service to you or us can process data on our behalf;
5.1.4 if our assets are acquired by a third party, personal data held by us about our customers will be one of the transferred assets;
5.1.5 to investigate any dispute or complaint raised by you; or
5.1.6 so any of Our Partners can use it, to run research and statistical analysis and send you communications about other products and services – including marketing communications, unless you do not consent to this;
5.1.7 to prepare or send any communications to you, or to assist us in connection with any of our administrative or business functions, or in the provision of any of our services to you;
5.1.8 if we are under a duty to disclose or share your personal data in order to comply with any legal obligation, or in order to enforce or apply our Terms & Conditions and other agreements; or to protect the rights, property, or safety of The Equity Release Guide, our customers, or others. This includes exchanging information with other companies and organisations for the purposes of fraud protection and credit risk reduction.
6. YOUR RIGHTS
6.1 Our Website may, from time to time, contain links to and from the websites of Our Partners. If you follow a link to any of these websites, please note that these websites have their own privacy policies and that we do not accept any responsibility or liability for these policies. Please check these policies before you submit any personal data to these websites.
6.2 Section 7 of the Act gives you the right to access information held about you. Your right of access can be exercised in accordance with the Act by writing to us at The Equity Release Guide, St Johns St, Tunbridge wells, Kent, TN4 9PH or by emailing us at pp@theequityreleaseguide.co.uk. Any access request may be subject to a small statutory fee to meet our costs in providing you with details of the information we hold about you.
6.3 If you were introduced to us by a third party, we will give them your contact details and sufficient information about you for their accounting and administration purposes.
6.4 The Equity Release Guide will attempt to resolve any complaint that you may have in relation to data protection issues. In the alternative, or if you are not happy with our final response you have the right to have your complaint dealt with by the ICO.
7. CREDIT REFERENCE AND FRAUD PREVENTION AGENCIES
7.1 When you submit an application form you confirm that all the information you have given is true and complete. When you submit an application form you authorise Our Partners to check the following records about you and others:
7.1.1 our own;
7.1.2 those at credit reference agencies ('CRAs'); and
7.1.3 those at fraud prevention agencies ('FPAs').
7.2 Our Partners will make checks such as are deemed necessary to assess your application for credit.
7.3 If you tell us that you have a spouse or financial associate, Our Partners will link your records together so you must be sure that you have their agreement to disclose information about them. CRAs also link your records together and these links will remain on your and their files until such time as you or your partner successfully files for a disassociation with the CRAs to break that link.
7.4 If false or inaccurate information is provided and fraud is identified, details will be passed to fraud prevention agencies.
7.5 Law enforcement agencies may access and use this information.
7.6 We and other organisations including Our Partners may also access and use this information to prevent fraud and money laundering, for example, when:
7.6.1 checking details on applications for credit and credit related or other facilities;
7.6.2 managing credit and credit related accounts or facilities;
7.6.3 recovering debt;
7.6.4 checking details on proposals and claims for all types of insurance; or
7.6.5 checking details of job applicants and employees.
7.7 We and other organisations may access and use from other countries the information recorded by fraud prevention agencies.
8. IP ADDRESSES AND COOKIES
8.1 A 'cookie' is a small electronic file that collects information when someone visits a website. A cookie can identify the pages that are being viewed, and this can assist us to select the pages that the viewer sees. Some cookies only exist whilst viewers are online, but 'persistent' cookies - which are not session-based - remain on the viewer's computer, so that he or she can be recognised as a previous visitor when he or she next visits our Website. This allows us to collect information about a viewer's browsing habits whilst on our Website, and this can be useful in assisting us to monitor and improve our services.
8.2 We do not store sensitive information such as account numbers or passwords in 'persistent' cookies, and cookies in themselves, do not contain enough information to identify you. You will only acquire a personal identity in relation to your browsing habits after you have formally provided us with your personal data for the purposes outlined below.
8.3 In addition to using cookies, we might also use web tools to collect information about your browsing activities whilst on our Website. In this respect the information that is provided is similar to the information supplied by cookies, and we use it for the same purposes.
8.4 Any information that we acquire about you using cookies or web tools is subject to the same restrictions and conditions as any other information we collect about you.
8.5 Some of our advertisers may also use cookies or web tools that are set by other people such as advertising agencies, or the businesses to which the advertisements in question relate. We do not have access to any information that might be collected in this way, and, if you are concerned, you should contact the advertiser for more information.
8.6 If you want to delete any cookies already stored on your computer or stop the cookies that keep track of your browsing patterns on the Website, you can do so by deleting your existing cookies and/or altering your browser's privacy settings to block third party cookies (the process you follow will differ from browser to browser). Please note that deleting our cookies or disabling our future cookies means that you may not be able to access certain areas or features of the Website.
9. CHANGES TO OUR PRIVACY POLICY
We reserve the right to change this privacy policy at any time. Any changes we may make will be posted on this page.