Free equity release advice consultations

We are specialist equity release advisors, dedicated to finding homeowners over 55 the most suitable and cost-effective financial solutions.

Arranging your free consultation will be your next best step, but keep reading to know what to expect at the appointment, and what we can offer you.

Why arrange your free equity release advice appointment?

By arranging your free equity release advice appointment, you will speak with a fully qualified equity release advisor employed by us, Money Release. We are a specialist equity release advice firm passionate about helping homeowners over 55 to meet their financial needs and goals.

Before being able to release money from your home, you must speak with an advisor as it is a Financial Conduct Authority (FCA) requirement. The FCA is equity release's regulator. Their aim is to ensure fair deals and avoid any miselling.

Your equity release advisor will be able to determine what is going to be your best route to meet your goals. This could be to use equity release, help find an alternative solution, or do nothing at all.

All of our advisors are paid a salary, ensuring you are only recommended products if they believe it is the best solution for you.

What happens at a free equity release advice appointment?

Typically, your free equity release advice will be split between two free appointments.

1. The Fact Find meeting
2. The recommendation meeting

Fact Find

During the Fact Find meeting, your advisor will discover what it is you want to achieve, and explain different types of equity release plan, and discuss their features and risks.

They will then gather as much relevant information to allow them to research suitable plans and make a recommendation.

You can expect your Fact Find to last around one hour as there are several sections, including but not limited to:

• Basic details about yourself - Date of Birth, full name, address
• Financial details - Income, expenditure, liabilities, assets
• Financial planning - Long-term care plans, Power of Attorneys, funeral plans, inheritance plans
• Health and lifestyle - A medical questionnaire to determine whether you qualify for a medically enhanced plan
• Property details - Property type, construction, condition
• Preferences - What you are looking for in your plan, including features, release amounts and interest rates
• Requested funds - What you are planning to spend the funds on, and when
• Your chosen solicitor details - Contact number, email and property address
• Alternatives to equity release - Downsizing, selling assets, mortgaging

If you do not have time to discuss everything listed above, your advisor will be flexible, answering any questions upfront and arranging a suitable time for you.

Recommendation meeting

Following your Fact Find meeting, your advisor will need some time to research the market to find you a suitable equity release plan or alternative.

If they believe equity release is the most suitable option for you, they will request a personalised illustration from a lender, known as a "Key Facts Illustration" (KFI).

A KFI is a 17-section document which details exactly what the plan offers, including interest rate, release amounts, plan features and risks.

During the recommendation meeting, your advisor will provide you with a copy of the KFI, and complete a page turn with you ensuring you fully understand all aspects of the plan.

Your equity release advisor will also provide you with other documents, all of which will be thoroughly discuss with you during the recommendation meeting:

• Suitability Report - Why the recommended plan is suitable.
• A copy of the Fact Find - What the recommendation has been based on.
• Money Release terms of business - What you are agreeing to by submitting an application with Money Release.

If you are happy with the advisor's recommendation and would like to proceed, you will need to sign the above documents, and send them back to us along with proof of address, and proof of identification. We will then process your application and submit it to the relevant lender.

Is free equity release advice a good idea?

We believe having a free equity release advice consultation is essential, as there are many possible outcomes. These could include an equity release plan, an alternative financial solution, or doing nothing at all.

By only charging our fee on completion of the equity release, we ensure you are not left out of pocket by a single penny if your don't receive the equity release funds.

We provide whole market advice, meaning unrestricted access to lenders and available products. Many of the top firms in the country offering whole of market advice will have a higher fee than this.

However, some firms may offer a slightly lower fee; many of which will only provide restricted access to lenders and products. We refer to this as tied advice.

Let's look at what some of the top equity release advice firms charge for their advice.

Data correct as at March 2026.