Lifetime Mortgage Advice
Frog Equity are trusted lifetime mortgage experts. We will help you release tax-free cash from your home with our five-star rated advice.

Points to remember
Lifetime mortgages are available to homeowners over 55
You continue to own your property and have the right to live there indefinitely
Later life lending is regulated by the Financial Conduct Authority
Money you release from your home is paid tax-free
- You do not need to make monthly repayments
Equity release is not right for everyone – depending on your circumstances and goals, this may not be the right product. Our adviser will let you know
Equity Release: 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


The equity you release from your home can be used for anything, such as:
Making home or garden improvements
Use the funds to adapt or improve your home to remain living there for longer.
Gifting money to family
Provide financial assistance to children and grandchildren, perhaps with a deposit on a house or to help them through university.
Care costs
Pay care fees for you or your partner, including help around the home.
Purchases
Purchase a new car or other ‘large ticket’ item, such as a holiday.
Moving home
Fund the purchase of a new property, including the option of paying interest on the loan.
Paying off existing debts
Such as a mortgage, credit cards or loans.
Flexible features of personalised equity release plans
Here’s an overview of the flexible features available with equity release plans, designed to ensure you get a plan that’s right for you
- Lump sum or drawdown
- No monthly repayments
- Partial capital repayments
- Downsizing protection
- Purchase a new home


What other lending options are there?
We will consider other later life lending products during our advice process that may better suit your needs.
- Retirement interest only mortgages*
- Later life residential mortgages*
- Income lifetime mortgages
- Interest payment lifetime mortgages
- Home reversion
Craig will talk you through all these options, so you can make informed decisions.
* Remember a mortgage is secured against your home. Your home may be repossessed if you do not keep up repayments on your mortgage. All of the above products are available through Frog Financial Management other than Home Reversion Plans. According to the Equity Release Council, home reversion plans make up less than 1% of the equity release market.
Frog Equity will guide you through the process, step by step; how it works.
01.
Advice
Contact our expert advisor, by phone, in person or via a video call, whichever you prefer.
02.
Search
Craig will research the marketplace to find the most suitable plan for your needs and explain all the options available to you.
03.
Apply
Should you decide to proceed, an application will be made to your chosen lender.
04.
Legal
An independent valuation is carried out, the lender will make the formal mortgage offer. Lastly, your solicitor confirms application can proceed.
05.
Completion
The tax-free lump sum unlocked from your home is paid directly to your bank account… enjoy!
Frog Equity and the Equity Release Council

The Equity Release Council exists to promote high standards of conduct and practice in the provision of equity release advice. We are members of the Council, so all products offered by us meet minimum standards set by the Equity Release Council.
All our plans come with the following guarantees:
- Stay in your home for as long as you choose
- Freedom to move home without financial penalty (subject to provider criteria)
- No negative equity’ guarantee
The interest rate to your mortgage will be fixed for life
You have the right to make penalty-free payments (usually up to 10% of the outstanding balance per year)
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.
How much cash could I release?
Check out our free and easy-to-use calculator to understand the amount you may be able to release from your home. Like what you find? Then contact our specialist team to understand the interest rate you can be offered.

Common myths about Later Life mortgages
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).
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.
Yes, but if you gift some of the money to family, they might have to pay Inheritance Tax in the future.
The rules around inheritance tax can be complex. The impact on your beneficiaries should be considered as part of the equity release advice process, which we guide you through. Many plans ring-fence amounts for an inheritance. For this reason, Frog Equity recommends family members are also consulted as part of the process.
Yes, most equity release mortgages are ‘portable’, which means you can move your existing mortgage to a new home. This is subject to the new property meeting your lenders requirements, so ensure you discuss this with our adviser, who will explain this.
Yes, just like conventional mortgages, the homeowners always remain the owner of their property. The outstanding mortgage is repaid upon second death, or when the last person enters long-term care on a permanent basis.
Lifetime mortgage plans that meet the Equity Release Council’s guidelines mean there will be no negative equity and that’s guaranteed. All our plans meet Equity Release Council Product Standards.
The vast majority of later life mortgage plans don’t need you to make monthly payments.
Yes, releasing equity may impact your entitlement to means-tested state benefits, should you be in receipt of them.