Release equity from your Jersey property.
If you are over 55 and own a property in Jersey or Guernsey, equity release lets you access the value tied up in your home without selling it. You continue to live in your property while receiving a tax-free lump sum or regular payments. We connect you with regulated lenders who offer lifetime mortgages and home reversion plans suited to Channel Islands properties.
- Access tax-free cash from your property without moving home
- Supplement your retirement income or fund one-off costs
- No monthly repayments required on a lifetime mortgage — the loan is repaid when the property is sold
- Jersey and Guernsey property values mean many homeowners have substantial equity to release
- Retain the right to remain in your home for life
- Funds can be used for almost any purpose — home improvements, gifts, travel, or care costs
Release essentials
No obligation. Soft credit check only.
Who equity release is designed for
- Aged 55 or over (both applicants if joint)
- Own a property in Jersey or Guernsey, freehold or qualifying share transfer
- Property must be your main residence
- Property value typically above £200,000
- No outstanding mortgage, or mortgage low enough to repay from the equity release proceeds
- Independent legal advice is required before completion
Not sure if you qualify? Request a call back — we will tell you honestly what your options are before you apply. Unfamiliar with any of the terms above? Loan terms explained.
Ready to get started?
Two ways to begin — choose whichever suits you best.
Soft credit check only
No obligation
Decision within 48 hours
Releasing equity, stage by stage
Tell us about your property and goals
Share your property details and what you want to achieve. We confirm whether equity release is likely to be suitable before any credit check.
We match you with a lender
We introduce you to a regulated lender or equity release specialist who will carry out a full assessment and provide a personalised illustration.
You receive your funds
Once all checks and legal work are complete, funds are released. Most plans complete within 6 to 8 weeks of formal application.
What people ask before releasing equity
With a lifetime mortgage (the most common type), yes — you retain full ownership. With a home reversion plan, you sell a share of your property but retain the right to live there.
A lump sum may affect means-tested benefits. We recommend you seek independent financial advice before proceeding, and we can point you in the right direction.
You can, provided the equity release amount is sufficient to repay your existing mortgage. The outstanding mortgage is cleared from the proceeds before you receive any funds.
Some lenders will consider share transfer properties. Availability depends on the specific scheme and the company structure. We will check eligibility before referring you.
The property is sold and the lender is repaid from the proceeds. Any remaining equity passes to your estate. Most plans include a no-negative-equity guarantee.
Ready to talk about the property?
Complete a full application online or request a call back and we will do the searching for you.
No obligation. Soft credit check only.
Secure application
Apply Online
Complete your full loan application below. Your information is handled securely and sent directly to our team.
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Free, no-obligation
Request a Call Back
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