Get more out of later life with Equity Release.
Whatever financial freedom means to you in later life –renovating your home, paying off an interest-only mortgage or helping your children – equity release is designed to help make it happen
Google Rating
Based on 236 reviews
Our Services
Craig, Ruth and Charley made my journey through equity release simple, straightforward and highly stress-free. I would strongly recommend them to anyone.
Chris Lee
Whole-of-life cover and Private Medical Insurance
A whole-of-life insurance policy pays your family a lump sum of money should you die, to help ease their financial worries. Personal and Family Private Medical Insurance is the ideal way to safeguard the health of you, your partner or spouse, should you become ill and need treatment.
You will be referred to our trusted partner, Kevin Bates, owner of Medic Healthcare.
Why Frog Equity?
To be able to give our clients advice, Craig has undertaken rigorous studying to pass the specific mortgage and later life lending qualifications, as well as ongoing intensive on-the-job competence monitoring of every case he advises on.
Frog Equity are trusted lifetime mortgage experts here to give you specialist information and advice that’s tailored to your needs. We’re here to make a lifetime mortgage as transparent as possible, supporting you every step of the way.
Our satisfied clients
Great service from Greg and the team, helping us think about the options in relation to our own personal circumstances.
Meg Riddington
15:37 29 Mar 26
Excellent service, really efficient, took the time to understand our (non standard) requirements and discussed with us to find a good option. Good online portal to keep everything in order as well.
Adam Connors
13:50 29 Mar 26
I had fantastic experience with Frog Financial Management. From start to finish, team was very friendly, helpful and professional. The team delivered incredible high quality services. I highly recommended them to anyone looking for mortgage services. Thank you.
alok rai
09:36 27 Mar 26
First-time buyer. Everyone at Frog was great, very professional and helpful. 5/5, I would definitely recommend using them!
Alex Spring
10:59 26 Mar 26
Excellent mortgage advice and a very personal service. Greg has been great at getting the best deal available for my mortgage and subsequent re-mortgages. Highly recommended.
Carl Goodman
18:41 10 Mar 26
When my fixed rate was up on my mortgage, Frog Financial Management were recommended to me.Greg helped to find me a fantastic deal and, along with Charley, was extremely efficient, keeping me up to date at every step. The portal was easy to use for uploading documents and overall it was a pleasant and pain free experience. Thank you both.I can not recommend their services highly enough - 5 stars is an understatement.
James Rudge
22:21 06 Mar 26
I had a great experience with Frog financial management when they helped me with a new mortgage. Someone was always available to speak to and they were really helpful throughout the whole process.
Sarah Carroll
17:42 20 Feb 26
An exceptional service given. Everyone we have spoken with has gone above and beyond to help us and answer all questions we have. Can not recommend Frog financial management enough and will be using them again in the future.Jason Benn
Jason Benn
14:11 19 Feb 26
Fantastic service, great communication, very helpful and quick to reply to our queries. Thank you to the whole team!
Jasmin
15:32 11 Feb 26
Helped us through our remortgage, fantastic experience, knowledgeable, quick & very helpful.Couldn’t recommend them more.
J W
10:06 10 Feb 26
A great experience, really good communication and they go above and beyond to help. Would recommend!
H Oakes
14:55 09 Feb 26
Great service, very clear and coherent. Always approachable and very knowledgeable in all areas. Huge thank you to Greg and Ruth.
Gaganpreet Lyal
21:52 05 Feb 26
Amazing team, coherent communication, tailor made advice and very easy to work with across Mortgages and Introduction to potential investments.
Manmeet Lyal
10:48 04 Feb 26
Everyone at frog has been so helpful and knowledgable! From the first call I felt at ease and I was kept well informed throughout the process and had everything explained to me. There isn’t any pressure or chasing which is so refreshing! I couldn’t recommend them more, thank you!
Corran Wood
12:15 03 Feb 26
Frog Financial management were brilliant! Greg was amazing, he walked us through the whole process and was very personable and knowledgeable! Would highly recommend!
Stacey Higgs
12:44 28 Jan 26
Frog Finacial have been amazing! Taking my wife and I through the process step by step with ease and clear information! Greg and Ruth are so easy to talk to, communicative and make what can be a scary process very reassuring. Will be recommending to anyone going through the same process!
Jack Mason
12:31 28 Jan 26
Greg and the team at Frog were very helpful in organising a mortgage for my slightly complicated situation and in offering various ways to optimise my borrowings. We found the one lender in the market who would lend on my criteria. We got there in the end and without them I doubt I would have been able to proceed with my purchase.
Ben Fillmore
09:30 19 Jan 26
I have not used a financial advisor before, so when looking for a local company I was drawn to Frog Financial Management; they had many recommendation in the local Facebook group. The experience I had from start to finish with my remortgage was nothing short of excellent. Greg contacted me the day after completing the online form, and was transparent and knowledgeable in advising me in the best mortgage for me and my financial goals. I will definitely come back to them for advice on other products in the future and will recommend them without reservation to my friends. Thank you!
Joanne Cotton
20:10 18 Jan 26
I have used Craig, Ruth and the team at Frog Financial Management for a number of years. They have been consistently outstanding in the speed and quality of advice and execution.I cannot recommend them any more highly.
Lynn O'Connor
22:51 09 Jan 26
We can’t rate Greg and his team highly enough for all the support and guidance they gave us while going through the process of buying our first home. We started with little knowledge of the process and were well supported the whole way through. Communication was excellent throughout and any questions were answered quickly and in detail. We would highly recommend for any first time buyer. Thanks team!
Lucy May
14:54 21 Dec 25
Greg at Frog Financial has been an extremely helpful in providing advice on our future move and current re mortgage. He’s kept us up to date with rate drops and given us the guidance we needed to figure out what options we had available to us.We will definitely be using his services again in the future!
Samantha Kilbey
16:47 12 Dec 25
Frog have been amazing throughout my house buying process right from Craig's initial call and advice to seemingly everybody on the team being their to help and provide support be it with insurance, following up with solicitors, helping guide me on the mountain of paperwork needed - there is always someone there and ready to answer my questions. We are almost there - thank you Craig, Ruth, Fiona, Katie and Danni!I would highly reccomend Frog Financial to anybody about to embark on the complicated process of house buying and the necessary insurances!
Sophie Pascoe
11:45 05 Dec 25
Craig, Ruth and the team were amazing from start to finish sorting our remortgage. There were no delays and they managed to progress ever within a month.We would highly recommend them. Their service and communication was superb!Paula and Mark
Paula Cozens
18:43 03 Dec 25
Frog have been excellent from beginning to end of my partner and I house buying experience. Being First time buyers we had a lot to learn quite quickly but Greg, Fiona and Danni were there with us throughout the entire process.The communication from them all was absolutely outstanding and we were never left in the dark about anything. Myself and my partner particularly liked the use of the Business WhatsApp feature for communication making it accessible all the time for us.Any questions/queries were never a problem for all at frog. The service was fantastic even when people went on A/L the service remained the same.For the fee for the service you get I would not hesitate using them again and recommending them to anyone I know.Great work allThanks for getting us our first homeDaniel
Daniel Hill
07:33 03 Dec 25
Frog has been absolutely brilliant as our mortgage advisor. From the first call right through to completion, Greg and team made everything clear, simple and stress free. They were always on hand to explain options, answer questions and keep things moving, which made a massive difference for us as first-time buyers.The service felt personal, thorough and genuinely supportive. We ended up with a great deal and a smooth process from start to finish.Would recommend Frog to anyone looking for a proper, reliable mortgage advisor.
Kieran Busby
20:58 25 Nov 25
The Team really made the process of finding our first mortgage super easy and simple! We were first time buyers and really appreciated the guidance and advice we were given to find the best possible product for us.I would highly recommend this firm to anyone one of my friends and family.
Phillip Griffin
20:52 23 Nov 25
Great service and the team is super knowledgeable. I highly recommended them, especially for FTB!
Catherine Reyes
20:50 23 Nov 25
Greg came up with ways to borrow more money that I wouldn’t have known about, and has potentially opened up new avenues of earning for me as well as securing my next home. It’s been interesting working with the team on two types of mortgages as well. I questioned why I have to pay for the service if the lender also pays, but the detail, handling and situation-changing advice has meant I haven’t regretted the fee. I will probably or possibly be back again for more mortgages and advice later on too. The team couldn’t be more polite or quicker to respond. If in doubt, this is one service that is worth the fee.
Priya Kantaria
15:19 21 Nov 25
I was having trouble trying to arrange a financial matter by myself and having used them before asked Frog to help me, which they did and had everything sorted out within a couple of weeks.You can rely on them to do a good job for you and I would highly recommend.
Juliet Auld
18:11 19 Nov 25
I can’t thank the team at Frog Financial enough for all their help in securing my mortgage. The whole process felt quite stressful at times, but they were supportive and reassuring throughout. They kept me updated every step of the way, explained everything clearly, and were always quick to respond to any questions I had. Thank you!
Abbie Jade
13:17 04 Nov 25
I was recently helping my Dad to raise extra cash by Equity Release. Craig clearly knew the market really well and was able to find a suitable lender. All the team, including Ruth and Fiona made the process easy and straightforward. I would definitely recommend Frog Financial Management
Caroline Bunn
16:03 24 Oct 25
Craig & Danni have both been very helpful in the complicated process of getting the right mortgage for us, and sorting our life and income protection insurance. They were communicative through the whole process and would highly recommend Frog
Yasmin Vhora
20:48 23 Oct 25
We’ve been really impressed with how helpful and responsive Ruth, Greg and Fiona have been throughout the process. They managed to get our mortgage application turned around within a week, which was fantastic. As first-time buyers, we had a lot of questions, and they always took the time to answer everything clearly and patiently. What we appreciated most was that they were never pushy regarding additional services and how to approach situations — they gave us all the information we needed to make our own decisions, which is rare and really refreshing nowadays.
Monika Lukomska
14:50 12 Oct 25
They have been professional throughout the process and extremely approachable & helpful when we needed help or support. It's always been easy to contact them. A special shoutout to Ruth for her patience, and to Greg for being so friendly and make everything easy to understand (being new to the whole property purchase process). Thank you all for being such a great team!
marta sanz martinez
17:12 05 Oct 25
We recently worked with Frog Financial to explore an equity release loan for our elderly parents and were extremely impressed with the support we received from Craig, Ruth and all at Frog Financial throughout the process.Even though our situation changed and we didn’t end up moving forward with the loan, we are grateful for all the help received. Their professional and supportive approach made a difficult situation easier to navigate. We would highly recommend Frog Financial to anyone seeking sound financial advice.
Richard Walker
12:58 16 Sep 25
Used Frog Financial for purchasing my first property and they have gone above and beyond, helping me every step of the way. Very knowledgeable and great customer service. Would Recomend!
Cameron Hay
12:43 16 Sep 25
Couldn't be happier with the service from Frog, they made an incredibly stressful time in me buying my first property feel much more manageable and were always available to talk through any queries I had. Would highly recommend ☺️
Ian
14:38 18 Aug 25
Craig is an excellent advisor, we had relatively unusual requirements for 2 mortgages and he spent a lot of time explaining our potential options so we would end up with the best fit for us.Ruth was also fantastic at following things up for us and keeping us informed of how applications were progressing.Would definitely recommend Frog to anyone looking for a mortgage or insurance.
Tim Moult
20:33 10 Aug 25
Gracias a Danni West ( Frog Financial Management ), pude asegurar mi casa en Inglaterra pues, Danni, muy cortés y profesionalmente, me puso en contacto con una compañía de seguros inmobiliarios que, se interesará a ofrecerme un seguro ya que, Yo vivo en España por lo tanto, soy un propietario ausente y según parece esto es un impedimento para muchas aseguradoras.Estoy muy agradecido con Danni por su invaluable ayuda, ha sido una gran experiencia.
mario alvarez botero
19:43 07 Aug 25
Advise etc on our finances and mortgage suggestions
Ruth Corner
14:58 07 Aug 25
Found the service to be extremely helpful and efficient in dealing with my property portfolio. I've been with them many years and I'm always satisfied with their mortgage quotes
Rendell Willett
13:14 05 Aug 25
Frog has provided a great service to me and my partner as we arranged our first mortgage.As FTB, it is a daunting process, with a lot of questions from us on the hows, whens, and whats. Greg made this less so, answering all questions clearly, and helping us to understand things. Not only this, Frog helped us to find the best rate available to us.Lastly, Greg & Danni helped us to understand which personal insurance policies were best for us, taking the time to explain in layman's terms how each one could benefit us (or not), depending on our needs.All in all, Greg & Danni have been a valuable part of our mortgage journey, and I would not hesitate to work with them again in the future.
James Devine
09:46 05 Aug 25
Greg and team were incredibly helpful in guiding us through the process of securing our first mortgage at the best possible rate. Everyone we interacted with at Frog Financial was friendly and always available to support and answer any questions we had - we are first time buyers so their advice and expertise was much appreciated! Greg and Danni also gave us all the information we needed to choose the right options for life insurance and income protection that is tailored to our needs. We couldn't be happier with our experience and would definitely recommend their services.
Tia Mirshahi
11:02 03 Aug 25
Had a great experience with Frog with our recent remortgaging after being recommended to them by Frosts in Amersham.Greg was extremely knowledgable and made a daunting process significantly easier - he was friendly, extremely clear and answered any questions or concerns we had throughout the entire process.Greg really listened to our circumstances and it was clear he wanted an outcome for us that fit our needs, there was never any sense of trying to upsell or push us towards something that did not fit our needs and we reached an outcome we were extremely happy with.Greg’s approach was extremely fair and it was clear that Frog Financial is far more interested in building a lasting relationship ship with their clients. I would not hesitate to approach Greg and Frog Financial again and will absolutely be using their services again when we come to our next application!
Joe and Katherine O'Donnell
08:59 30 Jul 25
Grey was the ABSOLUTE BEST!!!!! He was so fun, let us have aux and made us feel so comfortable and showed us around the area and gave his favorite recommendations!! Will be calling him all week!
Sage Kershaw
02:34 27 Jul 25
Gray was THE BEST driver and made sure that our ride was safe and fun!!!
Clare Marshall
02:31 27 Jul 25
Frog Financial Management have been excellent throughout the process. Craig and Ruth provided clear advice, quick communication, and a very professional service from start to finish. Nothing was ever too much trouble, and they made everything straightforward and stress-free.Would highly recommend to anyone looking for trustworthy and efficient financial advice.
Paul Murphy
09:11 30 Jun 25
Greg and the team at Frog were brilliant in helping us prepare our finances and then arrange the porting of our mortgage for our recent house move. Greg provided consistent support and tailored advice whenever needed, and made the mortgage process as stress free as possible. The Frog team also helped us with setting up some better life protection for ourselves and our kids. We would highly recommend Greg and the team at Frog to anyone looking for mortgage specific or broader financial advice.
Chloe Taylor
06:40 10 May 25
As a first-time buyer, I had a lot of questions—and Greg was absolutely brilliant at answering every single one with patience and clarity. He was always super responsive and made the whole mortgage process feel much less overwhelming. Charley was also fantastic, helping me sort out buildings insurance quickly and efficiently while walking me through all the details. Danni took the time to explain all the insurance options thoroughly and in a way that made sense. Everyone I dealt with was friendly, knowledgeable, and incredibly supportive. I can’t recommend them highly enough!
Samah Hussain
19:29 21 Apr 25
We were recommended Frog Financial by some friends who had recently bought their first house, and we couldn't be happier! Greg was amazing from start to finish, keeping us informed throughout the process and always on hand to answer any questions we had. Charley also helped us find the right Buildings & Contents insurance for us, and had everything sorted & ready for exchange. We'll definitely be recommending the Frog team to any friends buying their first place!
Megan Griffin
10:25 14 Apr 25
Busting those equity release myths and FAQs
Common myths and misconceptions about equity release are sometimes based on stories about older home reversion products. Do you have concerns about equity release based on what you’ve heard in the past?
But what do you know about it? There is a whole load of ifs, buts and uncertainties around this type of mortgage. So, Frog Equity are here to help you pull apart the facts from the fiction – and bust those equity release myths you might have heard.
New lifetime mortgage plans are quite different from these old schemes and have improved greatly; it’s crucial to understand how they work.
Can I repay some or all of the mortgage early?wpH0U8CLehAv2022-10-31T09:20:32+00:00
Yes, but if you pay back some, or all of the loan early (more than 10%), you may be subject to an Early Repayment Charge (subject to lender criteria).
What happens with the mortgage interest?wpH0U8CLehAv2022-10-31T09:20:15+00:00
Interest on a Lifetime Mortgage is calculated daily and added to the amount you owe each month. This means that the amount you owe will quickly increase over time, reducing the equity left in your home.
Can I gift money I release from my home?wpH0U8CLehAv2022-10-31T09:19:46+00:00
Yes, but if you gift some of the money to family, they might have to pay Inheritance Tax in the future.
How is my home’s value assessed?wpH0U8CLehAv2022-08-16T07:46:01+00:00
Your property will be valued by an independent Royal Institution of Chartered Surveyors (RICS), so you can be confident of an unbiased opinion of your property’s worth.
What happens when I pass away?wpH0U8CLehAv2022-10-26T17:04:01+00:00
Your home will be sold once the last joint owner has died. The sale proceeds will be used to repay the amount you owe and any money left will go to your estate.
Can I take out equity release if I still have a mortgage?wpH0U8CLehAv2022-08-16T07:45:10+00:00
Yes, however, you will need to repay the mortgage using the money released. Any surplus funds are yours to enjoy.
Can I still leave an inheritance for my family?wpH0U8CLehAv2022-10-30T18:51:02+00:00
Yes, you can. Some of the plans available guarantee a set percentage of your home’s value, at the time your plan ends, will form part of your estate for you to pass on to others via your Will. The inheritance you leave will be reduced.
Who handles the legal side of the process?wpH0U8CLehAv2022-08-16T07:44:41+00:00
An independent solicitor will need to be appointed to handle the legal side of the process for you. Frog Financial Management want to make sure you are comfortable with your decision, so can recommend solicitors with equity release experience for your consideration.
What do people usually use the money for?wpH0U8CLehAv2022-08-16T07:44:27+00:00
People spend the tax-free cash they release for many different things – some of the most popular are travel, home improvements and repaying existing debts.
Can I Purchase a new home?wpH0U8CLehAv2022-08-16T07:44:13+00:00
Yes, equity release can be used to move home to purchase a new property or even a holiday home. So, you could sell your current home and move to a bigger property. Cash from your current property along with the equity you release from the new home can give you enough to purchase your new home
Can I move house?wpH0U8CLehAv2022-08-16T07:43:59+00:00
Yes. With our Equity Release Council approved plans your plan can be transferred to a new home (subject to criteria).
Will I ever fall into negative equity?wpH0U8CLehAv2022-08-16T07:43:43+00:00
No. All plans are approved by the Equity Release Council and come with the no-negative-equity guarantee, meaning you’ll never owe more than your home’s worth.
Will I still own my own home?wpH0U8CLehAv2022-10-26T17:03:43+00:00
Yes, with a lifetime mortgage product, which is the most common type of equity release, you will still retain ownership of your home, flat or property and can continue to live it in until you die or go into long-term care.
Is equity release safe?wpH0U8CLehAv2022-08-16T07:43:02+00:00
Equity release is regulated by the Financial Conduct Authority whose primary role is to protect consumers and enhance the financial market’s integrity. Expert advice is required before you can take out a plan.
Do I need to be aware of anything else?wpH0U8CLehAv2022-10-31T09:24:51+00:00
Yes, releasing equity may impact your entitlement to means-tested state benefits, should you be in receipt of them.
This is a lifetime mortgage. To understand the features and risks, please ask for a personalised illustration. Check that this mortgage will meet your needs if you want to move or sell your home or you want your family to inherit it. If you are in any doubt, seek independent advice.
Which equity release mortgage lenders do Frog Equity work with?
