Equity release
Explore the value held in your property.
If your property has built up value, you may be able to borrow against it. We help you weigh what you could release against what it costs to repay.
Unlock value
Is it right for you?
Who it suits
Owners with little or no mortgage
You own your property outright or have paid down a large part of the loan.
Owners with a plan for the funds
Such as another property purchase or a major expense — subject to lender policy.
Owners reviewing their borrowing
You want to restructure existing secured borrowing.
Step by step
How the financing works
- 01
Value the property
A lender valuation sets the starting point for what could be released.
- 02
Subtract what you owe
Any outstanding mortgage is deducted; lender loan-to-value limits then apply.
- 03
Check affordability
The new repayments must fit within debt-servicing limits based on your income.
- 04
Compare and complete
We compare offers, then coordinate valuation, approval and registration.
Think about the effect on your home
Equity release increases the borrowing secured on your property and your monthly repayments. Uses of the funds are subject to lender policy. We’ll show the total cost before you decide.
Before you apply
What to prepare
What lenders look at, what it costs, and the documents you’ll usually need.
What lenders consider
- The property’s valuation and type
- Any outstanding mortgage balance
- Your income and existing commitments
- How the funds will be used, where the lender requires it
- Your age and the remaining term available
Costs to plan for
- Valuation fee
- Lender arrangement fee
- Mortgage registration fee
- Insurance required by the lender
Documents
- Title deed
- Passport, visa and Emirates ID
- Income documents
- Current mortgage statement, if any
Exact requirements vary by lender.
Our role
How Retention helps
Show the full picture
What you could release, what it costs, and how repayments change.
Compare lender approaches
Policies on equity release differ between lenders.
Coordinate to completion
Valuation, approval and registration handled together.
Your advisors
Talk it through with the people who’ll handle it.
A Retention advisor guides you from the first comparison through to completion — and is there when you need a review.
It depends on the valuation, any outstanding loan and the lender’s loan-to-value limits, as well as whether the repayments are affordable.
Lenders may ask how the funds will be used and can set conditions.
Yes — it is borrowing secured on your property, so missed repayments put the property at risk.
Explore the value held in your property.
Tell us what you’re planning. An advisor will help you understand the next step.