When considering an equity release plan it is important that you talk to a specialist member of the Equity Release Council. All members have agreed to abide by the Council rules and code of conduct and have signed up to the Statement of Principles.  AV Trinity are proud to have a number of advisers belonging to the Equity Release Council and between them they have many years experience of advising clients with clarity, understanding and discretion.      

Equity Release, which in its most popular form is a lifetime mortgage is generally used to generate cash using the equity in your home. This can be by way of instalments or as a lump sum which is tax-free. You can spend the money as you wish and stay in your own home for as long as you wish. But, releasing cash from your home does reduce the inheritance that you leave behind and any means tested benefits being received may be affected.

Equity Release is generally available to people between 55 & 95 where a property is worth over £60,000.

Once released the cash can be spent on anything you wish, but typically our clients use the money for:

  • Home improvements
  • Holidays
  • Gifts to family to get onto the property ladder
  • Reduce a family members mortgage, thereby increasing their income
  • Clearing expensive debt or a standard mortgage on their own home
  • To fund additional care at home to avoid going into a nursing home.
  • To move house but require funds for the purchase – equity release can be secured on a new home as well as an existing one
  • An income ‘top up’ following the death of a spouse and a subsequent reduction in pension income
An initial meeting with an independent Equity Release qualified adviser at AV Trinity is conducted at our cost so you have much to gain and nothing to lose by making an appointment to meet with us.


  • There are no monthly repayments with a lifetime mortgage. Instead, interest is added to the loan and to any interest previously added each year. The loan and interest are repaid in full, usually from the sale of your home, when you die or go into long-term care, subject to our terms and conditions.
  • Releasing equity from your home is a lifetime commitment.
  • It will reduce the amount of inheritance you can leave.
  • Releasing equity can affect your tax position and eligibility for welfare benefits.
  • Equity release isn't suitable if you have savings you could use instead, or would prefer to sell all, or part of your home, or downsize.
  • We always encourage you to discuss with your family and we are happy for them to attend any meetings with us
To understand the features and risks of equity release, please contact us and ask for a personalised illustration.  An initial meeting to discuss your situation will be at our cost and without obligation.


Equity Release Council