Independent · Whole of market · FCA regulated

Understand what your home could do for your retirement

LegacyWise Home Finance is a whole-of-market equity release broker. We compare plans from every major UK lender, explain your options in plain English, and only ever proceed when it’s right for you.

Use our calculatorCall 0800 652 3480

Prefer to ask a question first? Chat with our assistant

  • FCA regulated
  • Equity Release Council member
  • Whole-of-market advice
  • UK-based team
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The honest bit: Equity release will reduce the value of your estate and may affect your entitlement to means-tested benefits. A lifetime mortgage is a loan secured against your home. To understand the features and risks, ask for a personalised illustration.

Who we help

People come to us for all sorts of reasons. See the ones that sound like you — and read what happened next.

Home & Garden ImprovementsA new bathroom, a warmer home, the jobs that keep getting put off.Mortgage repaymentClear an existing mortgage without having to downsize.GiftingHelp your family now, while you can see them benefit.Debt repaymentReplace monthly commitments and regain financial control.General living expensesA little more month-to-month breathing room.HolidaysThe trip you’ve been promising yourselves.Health & care costsAdaptations, care at home, and peace of mind.Vehicle purchaseA more reliable car, without a monthly finance deal.Cash reserveFunds set aside for whatever comes next.
A LegacyWise customer and his wife sitting together by the sea

Customer stories

“Life is now more comfortable.”

Mr Warnes released further funds against his home to pay for improvements — including a new bathroom and new carpets throughout — while also securing a lower rate than his previous plan.

Mr Warnes — Home improvements

Read more customer stories

How it works

1

A relaxed first chat

We listen to your situation and explain your options in plain English. No obligation.

2

Personalised advice

We compare the whole market and recommend what’s genuinely right for you — or tell you if it isn’t.

3

You decide

You’re in control at every step. We only proceed when you’re completely comfortable.

Use our calculator

Could later-life lending be right for you?

A quick way to see whether it’s worth a conversation. This is guidance only, not advice.

  • You’re a homeowner aged 55 or over
  • Your property is worth over £70,000
  • You’d like to release some of the value tied up in your home
  • You want regulated advice before making any decision
Compare plans from leading UK lenders. We research the entire market to match you with the most suitable plan for your needs. Lenders include Pure Retirement, Aviva, Legal & General, Standard Life, more2life, Royal London, LV=, Canada Life, LiveMore and Just.

Let’s start with a conversation

No pressure, no jargon — just a clear explanation of your options from a regulated adviser.

Use our calculatorBook a callbackCall 0800 652 3480

Chat with our assistant

Answer a few quick questions and get an instant idea of what you could release — no obligation, no personal details needed to start.

See what you could release

See if you qualify

Answer a few quick questions to check whether equity release could work for your circumstances — takes under a minute.

See if you qualify