Sage Equity Release

23/03/2026

02/03/2026

https://ifamagazine.com/over-66s-remortgage-to-help-cut-iht-6-2bn-in-equity-released-in-past-year-by-older-homeowners/

Equity release mortgage sales worth £6.2bn were made by borrowers aged 66 and over in the past year – an 11% increase from the £5.6bn recorded the previous

27/02/2026

🏡 Case Study: Staying in the Home They Love – Even When Facing Repossession

The Challenge
Mr and Mrs S had lived in their family home for many years. When their traditional mortgage term ended two years ago, their lender required repayment of the outstanding debt. Repossession proceedings had begun, leaving them stressed and uncertain about their future.
They considered downsizing to release equity, but leaving their long-term family home was not something they wanted to do.

The Solution
After reviewing their options, we arranged a lifetime mortgage to repay their existing mortgage. This:
• Stopped the repossession proceedings
• Allowed them to remain in their home
• Enabled them to continue servicing the interest, similar to their previous mortgage

This solution gave Mr and Mrs S peace of mind, letting them stay independent in their own home while addressing their financial needs.

Why It Worked for Them
• They avoided the stress and disruption of moving
• They retained control over their finances
• They could continue to enjoy the home where they had built so many memories

Important Information
This is a lifetime mortgage. To understand the features and risks, 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. A fee may be charged for mortgage advice. The exact amount will depend on your circumstances.
Sage Equity Release is a trading style of The Later Life Lending Network Ltd which is an Appointed Representative of The Right Mortgage Ltd, who are authorised and regulated by the Financial Conduct Authority (FCA). Registered in England and Wales with company number 09832887. Registered office: St Johns Court, 70 St Johns Close, Knowle, Solihull, B93 0NH. A fee may be charged for equity release advice. The exact amount will depend on your circumstances, but we estimate this will be £995 on completion.

28/01/2026

https://ifamagazine.com/later-life-lending-is-opening-up-the-first-time-buyer-market-for-advisers/

Property wealth is firmly established as central to the financial planning process, offering a wide range of opportunities for all types of advisers -

27/01/2026

UK equity release lending rose 11% in 2025 to £2.57 billion, with borrowers increasingly using housing wealth for mortgage repayment, home improvements and retirement planning.

20/01/2026

Equity Release Success Stories: Helping Loved Ones and Enjoying Life
For many people, equity release isn’t just about money—it’s about freedom. The freedom to support your family, upgrade your home, or finally enjoy retirement on your terms.

Here are a few real-life stories that show how the benefits of equity release can make a real difference.

Helping a Daughter onto the Property Ladder
Brian and Margaret, both in their early 70s, used a lifetime mortgage to help their daughter buy her first flat. With house prices climbing, saving for a deposit had become almost impossible.
“We’d rather see her enjoy the help now, when she really needs it,” Brian said. “It felt good to be in a position to do that.”
Their drawdown plan gave them flexibility—releasing only what they needed, when they needed it—so they could keep some funds back for future use.

Funding a Comfortable Retirement Lifestyle

Joan, 67, had always dreamed of travelling more, but didn’t think her pension would stretch far enough. Equity release gave her the funds to visit family in Australia and enjoy a cruise through the Mediterranean.
“It’s the retirement I hoped for—without having to leave my home to get it,” Joan said.
She chose a plan with voluntary repayment options, giving her control over the interest.

Modernising the Family Home

Alan and Ruth, both retired teachers, wanted to future-proof their home—installing a walk-in shower, stairlift, and better insulation. Their equity release plan helped cover the cost without dipping into savings.
“We plan to stay here for the long run, so it made sense to make it safe and warm,” said Ruth.

Peace of Mind, Your Way
Whether it’s helping your children, ticking off your travel wish list, or simply enjoying retirement a little more, equity release is about making the most of life after 55—on your own terms.
Every story is different, but they all show how the right advice and a carefully chosen plan can unlock real possibilities.

Final Thought
Equity release isn’t for everyone—but for many, it’s a way to make life more comfortable, and more fulfilling. Speak to a qualified adviser to explore what’s possible for you.

Contact us
[email protected]
www.sageequityrelease.co.uk
01344 306 654
This is a lifetime mortgage. To understand the features and risks, 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. A fee may be charged for mortgage advice. The exact amount will depend on your circumstances.
Sage Equity Release is a trading style of The Later Life Lending Network Ltd which is an Appointed Representative of The Right Mortgage Ltd, who are authorised and regulated by the Financial Conduct Authority (FCA). Registered in England and Wales with company number 09832887. Registered office: St Johns Court, 70 St Johns Close, Knowle, Solihull, B93 0NH. A fee may be charged for equity release advice. The exact amount will depend on your circumstances, but we estimate this will be £995 on completion.

We are Lifetime Mortgage specialists. Not tied to any lender, we search the market for the most appropriate lender for your circumstances.

09/01/2026

2025 will be remembered as the year later life lending became a larger part of the mortgage conversation, according to

31/12/2025

How Equity Release Affects Your Estate Planning
Equity release can give you greater financial freedom in retirement—but it’s important to understand how it may affect what you leave behind. If you’re thinking about using equity release, here’s what you need to know about inheritance and estate planning in the UK.
How Equity Release Impacts Your Estate
With a lifetime mortgage, you borrow money against the value of your home. The loan, plus any interest, is usually repaid when you pass away or move into long-term care—typically from the sale of the property.
This means:
• Your estate value is reduced, which could lower what’s passed on to your beneficiaries
• The more you release, and the longer the plan runs, the more interest builds up
• However, many plans now offer inheritance protection, which lets you ring-fence a portion of your home’s value to leave behind
The Role of Inheritance Protection
If leaving something behind is important to you, ask about inheritance protection features. This option reduces the amount you can borrow, but guarantees that a percentage of your property’s value will go to your loved ones, no matter what.
Voluntary Payments Can Help Manage the Balance
Some plans allow voluntary payments—which means you can reduce the interest as you go. This helps preserve more of your estate while still enjoying the benefits of equity release during your lifetime.
Think Long-Term: Include Equity Release in Your Financial Planning
Using equity release as part of your retirement financial planning can help you:
• Balance your needs now with what you want to leave later
• Understand how it might affect inheritance tax
• Discuss your plans with your family and adviser, so everyone’s on the same page
Final Thought
Equity release doesn’t have to mean giving up on your legacy. With the right advice and clear planning, it can help you live comfortably now and make informed choices about your estate.
If you’re considering this route, speak to a qualified adviser and your solicitor—they’ll help ensure your decision fits your full financial picture.

Contact us
[email protected]
www.sageequityrelease.co.uk
01344 306 654
This is a lifetime mortgage. To understand the features and risks, 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. A fee may be charged for mortgage advice. The exact amount will depend on your circumstances.
Sage Equity Release is a trading style of The Later Life Lending Network Ltd which is an Appointed Representative of The Right Mortgage Ltd, who are authorised and regulated by the Financial Conduct Authority (FCA). Registered in England and Wales with company number 09832887. Registered office: St Johns Court, 70 St Johns Close, Knowle, Solihull, B93 0NH. A fee may be charged for equity release advice. The exact amount will depend on your circumstances, but we estimate this will be £995 on completion.

24/10/2025

Thankfully Gilt Rates have reduced recently after a challenging few months...hopefully this will continue.

What Are Gilt Rates – and Why Do They Matter for Lifetime Mortgages?
If you’re thinking about taking out a lifetime mortgage, you might have heard the term gilt rates pop up. But what exactly are they – and why do they affect how much interest you’ll pay?
Let’s break it down.

What Are Gilts?
Gilts are bonds issued by the UK government to raise money. Think of them like a loan from investors to the government. In return, the government agrees to pay a fixed interest over time.
Because gilts are seen as very safe investments, they’re a key part of how financial products – including lifetime mortgages – are priced.

What Are Gilt Rates?
Gilt rates (or yields) are the returns investors expect to get from holding these government bonds. These rates go up and down based on how the economy is doing and how much confidence investors have in the UK.

How Do Gilt Rates Affect Lifetime Mortgage Rates?
Most lifetime mortgage lenders use long-term gilt rates (often the 15- to 30-year ones) as a guide when setting interest rates.
• When gilt rates go up, lenders usually increase lifetime mortgage interest rates.
• When gilt rates go down, interest rates for lifetime mortgages tend to fall.
So, even though you might not hear much about gilts on the news, they play a big role in how affordable your lifetime mortgage could be.

Why It Matters
A higher lifetime mortgage interest rate means the loan will grow faster over time, reducing how much equity might be left in your home for you or your family. That’s why many people speak to an adviser to time their application and choose the right deal.
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Thinking about a lifetime mortgage? Understanding the wider financial picture – like gilt rates – can help you make a more informed choice.
Contact us
[email protected]
www.sageequityrelease.co.uk
01344 306 654

This is a lifetime mortgage. To understand the features and risks, 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. A fee may be charged for mortgage advice. The exact amount will depend on your circumstances.
Sage Equity Release is a trading style of The Later Life Lending Network Ltd which is an Appointed Representative of The Right Mortgage Ltd, who are authorised and regulated by the Financial Conduct Authority (FCA). Registered in England and Wales with company number 09832887. Registered office: St Johns Court, 70 St Johns Close, Knowle, Solihull, B93 0NH. A fee may be charged for equity release advice. The exact amount will depend on your circumstances, but we estimate this will be £995 on completion.

We are Lifetime Mortgage specialists. Not tied to any lender, we search the market for the most appropriate lender for your circumstances.