Equity release
Start your search for good value Equity Release providers by taking a look at Fairer Finance's latest ratings.
Our ratings are designed to help customers make more informed decisions, but they should not be taken as recommendations or advice. Every customer has different needs, and our ratings are simply designed as a short cut to help consumers make sense of the complex world of financial products.
Our product ratings are designed to help you choose a quality product. We rate policies on the key features that are most important for the majority of customers.
Find out how we calculate our product ratings
|
Brand
|
Product name
|
Star rating
|
Early repayment charge (if you repay in year 3 of the loan)
|
Are you allowed to sell and move to a smaller property without paying early repayment charges?
|
Is there an admin fee when the loan is repaid?
|
|---|---|---|---|---|---|
More 2 Life
|
Maxi ZERO ERC Lump Sum |
|
0% | Yes | £0.00 |
Aviva
|
Lifestyle Max - (Fixed ERC) |
|
6% | Yes | £0.00 |
Canada Life
|
Advantage Gold |
|
6% | Yes | £200.00 |
|
Canada Life
|
Advantage Gold Plus |
|
6% | Yes | £200.00 |
|
Canada Life
|
Advantage Lite |
|
6% | Yes | £200.00 |
|
Canada Life
|
Advantage Lite Plus |
|
6% | Yes | £200.00 |
|
Canada Life
|
Advantage Platinum |
|
6% | Yes | £200.00 |
|
Canada Life
|
Advantage Super Lite |
|
6% | Yes | £200.00 |
|
Canada Life
|
Advantage Super Lite Plus |
|
6% | Yes | £200.00 |
|
Canada Life
|
Advantage Ultra Lite |
|
6% | Yes | £200.00 |
|
Canada Life
|
Advantage Ultra Lite Plus |
|
6% | Yes | £200.00 |
|
Canada Life
|
Capital Select Gold |
|
5% | Yes | £200.00 |
|
Canada Life
|
Capital Select Gold (Flexible) |
|
5% | Yes | £200.00 |
|
Canada Life
|
Capital Select Gold Plus |
|
5% | Yes | £200.00 |
|
Canada Life
|
Capital Select Gold Plus (Flexible) |
|
5% | Yes | £200.00 |
|
Canada Life
|
Capital Select Lite |
|
5% | Yes | £200.00 |
|
Canada Life
|
Capital Select Lite (Flexible) |
|
5% | Yes | £200.00 |
|
Canada Life
|
Capital Select Lite Plus |
|
5% | Yes | £200.00 |
|
Canada Life
|
Capital Select Lite Plus (Flexible) |
|
5% | Yes | £200.00 |
|
Canada Life
|
Capital Select Platinum |
|
5% | Yes | £200.00 |
|
Canada Life
|
Capital Select Platinum (Flexible) |
|
5% | Yes | £200.00 |
|
Canada Life
|
Capital Select Platinum Plus |
|
5% | Yes | £200.00 |
|
Canada Life
|
Capital Select Platinum Plus (Flexible) |
|
5% | Yes | £200.00 |
|
Canada Life
|
Capital Select Super Lite |
|
5% | Yes | £200.00 |
|
Canada Life
|
Capital Select Super Lite (Flexible) |
|
5% | Yes | £200.00 |
|
Canada Life
|
Capital Select Super Lite Plus |
|
5% | Yes | £200.00 |
|
Canada Life
|
Capital Select Super Lite Plus (Flexible) |
|
5% | Yes | £200.00 |
|
Canada Life
|
Capital Select Ultra Lite |
|
5% | Yes | £200.00 |
|
Canada Life
|
Capital Select Ultra Lite (Flexible) |
|
5% | Yes | £200.00 |
|
Canada Life
|
Capital Select Ultra Lite Plus |
|
5% | Yes | £200.00 |
|
Canada Life
|
Capital Select Ultra Lite Plus (Flexible) |
|
5% | Yes | £200.00 |
LiveMore Mortgages
|
Tier 1 - Five Year ERC |
|
6% | Yes | £100.00 |
|
LiveMore Mortgages
|
Tier 2 - Standard |
|
6% | Yes | £100.00 |
|
LiveMore Mortgages
|
Tier 3 - Property+ |
|
6% | Yes | £100.00 |
LV=
|
Drawdown Lifestyle |
|
5% | Yes | £125.00 |
|
LV=
|
Lifetime Mortgage Drawdown+ |
|
5% | Yes | £125.00 |
|
LV=
|
Lifetime Mortgage Lump Sum+ |
|
5% | Yes | £125.00 |
|
LV=
|
Lump Sum Lifestyle |
|
5% | Yes | £125.00 |
|
LV=
|
Lump Sum Lifestyle Interest Reward |
|
5% | Yes | £125.00 |
|
More 2 Life
|
Apex 880 |
|
6% | Yes | £125.00 |
|
More 2 Life
|
Apex 900 |
|
6% | Yes | £125.00 |
|
More 2 Life
|
Flexi Choice Extra |
|
8% | Yes | £125.00 |
|
More 2 Life
|
Flexi Choice Lite |
|
8% | Yes | £125.00 |
|
More 2 Life
|
Flexi Choice Max |
|
8% | Yes | £125.00 |
|
More 2 Life
|
Flexi Choice Midi |
|
8% | Yes | £125.00 |
|
More 2 Life
|
Flexi Choice Plus |
|
8% | Yes | £125.00 |
|
More 2 Life
|
Flexi Choice Premier Extra |
|
8% | Yes | £125.00 |
|
More 2 Life
|
Flexi Choice Premier Lite |
|
8% | Yes | £125.00 |
|
More 2 Life
|
Flexi Choice Premier Max |
|
8% | Yes | £125.00 |
|
More 2 Life
|
Flexi Choice Premier Midi |
|
8% | Yes | £125.00 |
|
More 2 Life
|
Flexi Choice Premier Plus |
|
8% | Yes | £125.00 |
|
More 2 Life
|
Flexi Choice Premier Super Lite |
|
8% | Yes | £125.00 |
|
More 2 Life
|
Flexi Choice Premier Super Lite 2 |
|
8% | Yes | £125.00 |
|
More 2 Life
|
Flexi Choice Super Lite |
|
8% | Yes | £125.00 |
|
More 2 Life
|
Flexi Choice Super Lite 2 |
|
8% | Yes | £125.00 |
|
More 2 Life
|
Flexi Interest Reward |
|
8% | Yes | £125.00 |
|
More 2 Life
|
Maxi ZERO ERC Drawdown |
|
0% | Yes | £0.00 |
|
More 2 Life
|
Maximum Choice Extra Lump Sum |
|
8% | Yes | £0.00 |
|
More 2 Life
|
Maximum Choice Plus Lump Sum |
|
8% | Yes | £0.00 |
|
More 2 Life
|
Omni |
|
6% | Yes | £125.00 |
Royal London
|
Core Premier |
|
8% | Yes | £65.00 |
|
Royal London
|
Core Standard |
|
8% | Yes | £65.00 |
|
Royal London
|
Principal |
|
7% | Yes | £65.00 |
|
Aviva
|
Enhanced Lifestyle Flexible Advantage - (Fixed ERC) |
|
8% | Yes | £0.00 |
|
Aviva
|
Lifestyle Flexible Advantage - (Fixed ERC) |
|
8% | Yes | £0.00 |
|
Canada Life
|
Capital Select Gold Cashback |
|
8% | Yes | £200.00 |
|
Canada Life
|
Capital Select Gold Plus Cashback |
|
8% | Yes | £200.00 |
|
Canada Life
|
Capital Select Lite Cashback |
|
8% | Yes | £200.00 |
|
Canada Life
|
Capital Select Lite Plus Cashback |
|
8% | Yes | £200.00 |
|
Canada Life
|
Capital Select Platinum Cashback |
|
8% | Yes | £200.00 |
|
Canada Life
|
Capital Select Platinum Plus Cashback |
|
8% | Yes | £200.00 |
|
Canada Life
|
Capital Select Super Lite Cashback |
|
8% | Yes | £200.00 |
|
Canada Life
|
Capital Select Super Lite Plus Cashback |
|
8% | Yes | £200.00 |
|
Canada Life
|
Capital Select Ultra Lite Cashback |
|
8% | Yes | £200.00 |
|
Canada Life
|
Capital Select Ultra Lite Plus Cashback |
|
8% | Yes | £200.00 |
|
More 2 Life
|
Horizon |
|
8% | Yes | £0.00 |
|
More 2 Life
|
Horizon Drawdown |
|
8% | Yes | £0.00 |
|
More 2 Life
|
Horizon Interest Reward |
|
8% | Yes | £0.00 |
|
More 2 Life
|
Maximum Choice Extra Drawdown |
|
8% | Yes | £0.00 |
|
More 2 Life
|
Maximum Choice Plus Drawdown |
|
8% | Yes | £0.00 |
|
More 2 Life
|
Maximum Choice Super 1 |
|
8% | Yes | £0.00 |
|
More 2 Life
|
Maximum Choice Super 2 |
|
8% | Yes | £0.00 |
|
More 2 Life
|
Maximum Choice Super 3 |
|
8% | Yes | £0.00 |
Pure Retirement
|
Emerald |
|
8% | Yes | £125.00 |
|
Pure Retirement
|
Sovereign |
|
8% | Yes | £125.00 |
|
Pure Retirement
|
Sovereign £895 Arrangement fee |
|
8% | Yes | £125.00 |
|
Pure Retirement
|
Sovereign Casback |
|
8% | Yes | £125.00 |
|
Pure Retirement
|
Sovereign Elite |
|
8% | Yes | £125.00 |
|
Pure Retirement
|
Sovereign Elite £895 Arrangement fee |
|
8% | Yes | £125.00 |
|
Pure Retirement
|
Sovereign Elite Casback |
|
8% | Yes | £125.00 |
Legal & General
|
Interest Roll Up (Fixed ERC) |
|
10% | Yes | £85.00 |
|
Legal & General
|
Interest Roll Up (Variable ERC) |
|
25% Cap | Yes | £85.00 |
|
Legal & General
|
Interest Roll Up Joint Lives (Fixed ERC) |
|
10% | Yes | £85.00 |
|
Legal & General
|
Interest Roll Up Joint Lives (Variable ERC) |
|
25% Cap | Yes | £85.00 |
|
Legal & General
|
Optional Payment (Fixed ERC) |
|
10% | Yes | £85.00 |
|
Legal & General
|
Optional Payment (Variable ERC) |
|
25% Cap | Yes | £85.00 |
|
Legal & General
|
Optional Payment Joint Lives (Fixed ERC) |
|
10% | Yes | £85.00 |
|
Legal & General
|
Optional Payment Joint Lives (Variable ERC) |
|
25% Cap | Yes | £85.00 |
|
Legal & General
|
Payment Term Black |
|
9% | Yes | £85.00 |
|
Legal & General
|
Payment Term Black (£599 Arrangement fee) |
|
9% | Yes | £85.00 |
|
Legal & General
|
Payment Term Green |
|
9% | Yes | £85.00 |
|
Legal & General
|
Payment Term Green (£599 Arrangement fee) |
|
9% | Yes | £85.00 |
|
Legal & General
|
Payment Term Orange |
|
9% | Yes | £85.00 |
|
Legal & General
|
Payment Term Orange (£599 Arrangement fee) |
|
9% | Yes | £85.00 |
|
Legal & General
|
Payment Term Pink |
|
9% | Yes | £85.00 |
|
Legal & General
|
Payment Term Pink (£599 Arrangement fee) |
|
9% | Yes | £85.00 |
|
Legal & General
|
Payment Term Yellow |
|
9% | Yes | £85.00 |
|
Legal & General
|
Payment Term Yellow (£599 Arrangement fee) |
|
9% | Yes | £85.00 |
|
More 2 Life
|
Tailored Interest Reward |
|
8% | No | £0.00 |
|
More 2 Life
|
Tailored Lifetime C3 Drawdown |
|
8% | No | £0.00 |
|
More 2 Life
|
Tailored Lifetime C3 Lump Sum |
|
8% | No | £0.00 |
|
More 2 Life
|
Tailored Lifetime C4 Drawdown |
|
8% | No | £0.00 |
|
More 2 Life
|
Tailored Lifetime C4 Lump Sum |
|
8% | No | £0.00 |
|
More 2 Life
|
Tailored Lifetime C5 Drawdown |
|
8% | No | £0.00 |
|
More 2 Life
|
Tailored Lifetime C5 Lump Sum |
|
8% | No | £0.00 |
|
More 2 Life
|
Tailored Lifetime C6 Drawdown |
|
8% | No | £0.00 |
|
More 2 Life
|
Tailored Lifetime C6 Lump Sum |
|
8% | No | £0.00 |
|
More 2 Life
|
Tailored Lifetime C7 Drawdown |
|
8% | No | £0.00 |
|
More 2 Life
|
Tailored Lifetime C7 Lump Sum |
|
8% | No | £0.00 |
|
More 2 Life
|
Tailored Lifetime C8 Drawdown |
|
8% | No | £0.00 |
|
More 2 Life
|
Tailored Lifetime C8 Lump Sum |
|
8% | No | £0.00 |
|
Pure Retirement
|
Classic Elite Flexible |
|
8% | Yes | £125.00 |
|
Pure Retirement
|
Classic Elite Flexible Drawdown |
|
8% | Yes | £125.00 |
|
Pure Retirement
|
Classic Flexible |
|
8% | Yes | £125.00 |
|
Pure Retirement
|
Classic Flexible Drawdown |
|
8% | Yes | £125.00 |
|
Aviva
|
Enhanced Lifestyle Flexible Advantage - (Variable-Gilt Index) |
|
25% cap | Yes | £0.00 |
|
Aviva
|
Lifestyle Flexible Advantage - (Variable-Gilt Index) |
|
25% cap | Yes | £0.00 |
Just
|
J1 Fixed ERC |
|
8% | No | £0.00 |
|
Just
|
J2 Fixed ERC |
|
8% | No | £0.00 |
|
Just
|
J2.5 Fixed ERC |
|
8% | No | £0.00 |
|
Just
|
J3 Fixed ERC |
|
8% | No | £0.00 |
|
Just
|
J4 Fixed ERC |
|
8% | No | £0.00 |
|
Pure Retirement
|
Heritage Special 1 |
|
8% | No | £125.00 |
|
Pure Retirement
|
Heritage Special 2 |
|
8% | No | £125.00 |
|
Pure Retirement
|
Heritage Special 3 |
|
8% | No | £125.00 |
|
Pure Retirement
|
Heritage Super |
|
8% | No | £125.00 |
|
Pure Retirement
|
Heritage Super Max |
|
8% | No | £125.00 |
Saga
|
Lifetime Mortgage |
|
8% | No | £0.00 |