When considering unlocking cash from your property, learning more about different equity release locations and where to find a suitable provider makes sense. 

But where do you start in finding the right answers?

Our expert researchers have made it easier for you by putting together a detailed list of available locations across England, Wales, Scotland, Northern Ireland, and Ireland. 

Read here and learn more about your options for releasing equity in different areas around the UK.

Where Can I Find Equity Release Services Near Me?

Equity release services can be found in several places, the most convenient of which is often online.

Many companies, such as Aviva, Legal & General, and Hodge Lifetime, offer these services on their websites.

You can also use comparison websites like MoneySuperMarket or Compare the Market to find the best deal for your circumstances.

Alternatively, you can consult with financial advisors or brokers specializing in equity release in your local area.

Local directories or a quick online search can provide a list of such professionals.

Remember to check for accreditation with bodies like the Equity Release Council to ensure their services are reliable and credible.

Read More: Legal & General Equity Release Review

Are You Considering Equity Release in 2023?

If you are considering unlocking equity, it is wise to get all the facts before finalising your decision.

A good start is to find out where equity release is available across the UK and which providers operate in specific areas.

Equity Release Locations A-Z

Here is our alphabetically ordered list of equity release locations and providers across England, Wales, Scotland, Northern Ireland, and Ireland.

A

Aberdeen

With Scotland’s well-established property market combined with a large percentage of elderly homeowners, the equity release market has been growing. 

Located in the northeastern part of Scotland, the port city of Aberdeen, is no exception and has great potential for accessing home value.

Providers operating in Aberdeen include:

• Portlethen Financial Services
• The Aberdeen Mortgage Brokers

B

Belfast

Even though Northern Ireland’s property market is comparatively much smaller than the UK's, it is still a location where unlocking home equity is possible.  

It offers a limited range of products in contrast with the rest of the UK and, therefore, fewer providers.

The capital, Belfast, is the main area in Northern Ireland focussing on unlocking equity and where you could seek advice from a specialist financial advisor.

Companies that could advise you are:

• Spry Finance
• Home Plus

Birmingham

As the largest city in the UK’s Midlands, the property market in Birmingham continues to grow together with its ageing population.

These conditions provide plenty of opportunities for older residents to unlock tax-free cash from their properties.

Providers who could help include:

• Viva Retirement Solutions
• 55Plus
• Legal & General

Bristol

According to a recent study, Bristol, a city in the southwest of England, has the potential to show the biggest growth in the English property market over the next decade.¹

That is why releasing equity presents an option for over 55-year-olds to cash in on their properties. 

Providers to consider include:

• Aviva
• Clifton Mortgages

Bournemouth

As a popular Dorset seaside resort town, Bournemouth is also home to many high-value properties.² 

People over 55 could benefit from releasing cash from their homes, especially if they are considering renovating parts of their property into rental or student accommodation.  

Services to consider in Bournemouth and Dorset include:

• Equity Release Warehouse
• Coles Miller Solicitors LLP
• John Whyte, Equity Release Specialist

C

Cardiff

Cardiff is not only the capital of Wales but also forms the heart of its economy.

Therefore, it is no wonder that property prices have been steadily increasing³ over the years, making it possible for homeowners over 55 to consider equity release to unlock tax-free cash from their properties. 

Companies in Cardiff to consider include:

• Equity Release Warehouse in Cardiff
• Eden Hawk Financial Solutions

Chester

First founded as a Roman fortress, Chester, a city northwest of England, today has a dynamic property market. 

That is why people over 55 can reap the benefits of their property’s value through equity release. 

Companies in Chester to consider include:

• Chadwicks
• Matt Jones from the Equity Release Experts

Coventry

Coventry has a rich history and is the second largest city in the West Midlands. 

Due to many regeneration projects in the city centre, house prices are likely to increase, creating the potential for accessing property value. 

Providers operating in the area include:

• Aviva
• LV=

E

Edinburgh

Scotland’s capital, Edinburgh, has continued to see a slow rise in property prices despite challenging market conditions.⁴ 

With large amounts of equity locked into their homes, many eligible people are now opting to release tax-free cash to supplement their income. 

Equity release providers in Edinburgh include:

• Step Change Financial Solutions
• Malleny Mortgage Solutions

G

Glasgow

Glasgow, Scotland’s economic hub, has seen a 5% rise in property prices compared to last year.⁵ 

This upward trend provides plenty of opportunities for more mature homeowners to unlock home equity to ensure a more comfortable retirement.

Glaswegian companies specialising in equity release include:

• The Equity Release Experts – Christopher Pratt
• Equity Release and Retirement Ltd

Gloucester

Gloucester is situated in the southwest of England and borders on the picturesque Cotswolds.

Even though the value of its properties has seen a slight dip, its average property prices are still 7%⁶ more expensive than the rest of the region, providing retirees the opportunity to unlock cash.

Providers to consider in Gloucester include:

• Viva Retirement Solutions
• New Life Equity Release

Ireland

With equity release only recently becoming part of the market offering in the Republic of Ireland, the options are, therefore, still limited.⁷

Its products differ slightly from its UK counterparts but include loans to lifetime mortgages and sale-and-rent-back schemes, comparable with home reversions, where homeowners continue to live in their houses after selling their property at a discount but also paying rent.

We are grouping options for the whole of the country.

Irish providers include:

• Spry Finance
• Home Plus

K

Kent

Since the county of Kent includes major cities and towns in the southeast of England, like Canterbury, Maidstone, and the London commuter town of Sevenoaks, we have grouped these together.

With its active property market, many over 55s opt to use the money locked into their properties.

Providers to consider in Kent:

• Access Equity Release
• Responsible Equity Release – David La-Haye

L

Leeds

Leeds, a northern English city in Yorkshire, has steadily risen in recent years.

This has led homeowners to consider equity release to top up their retirement funds increasingly.

Companies available in Leeds include:

• Pure Retirement
• StepChange Financial Solutions – Carl Jermone

Liverpool

Liverpool is the birthplace of the Beatles and home to a diversified property market.  

Based in northwest England, this city provides ample opportunities for releasing equity.

Local providers in Liverpool include:

• Access Equity Release
• Responsible Equity Release – Andy English

Learn More: LV Equity Release Reviews

London

London, the capital of England, is also the most populated, which means the demand for property here is always high.

Even when considering the current economic challenges, London house prices always seem to bounce back⁸ over time, leading retirees to supplement their income with equity release. 

M

Manchester

Manchester is not only known for its football clubs, but also boasts one of the most dynamic property markets in northwest England. 

It is also home to an ageing population who can boost their income by unlocking cash from their properties. 

Choices of providers in Manchester include:

• Equity Release Group
• Viva Retirement Solutions

N

Newcastle

Property is always in demand in Newcastle as it is the most populous city in the northeast of England.

People over 55 can, therefore, unlock equity from their properties to provide them with extra cash.

Equity release providers to consider in Newcastle:

• North East Equity Release
• Equity Release Warehouse in Newcastle

Norwich

Norwich is the main town in the county of Norfolk and, therefore, has an active property market.

Retired homeowners form a large portion of the housing market and, therefore, have ample opportunities to turn the equity locked up in their homes into cash. 

Companies to consider in Norwich include:

• Aviva
• Broadland Consultants

Nottingham

Known for the legend of Robin Hood, Nottingham is situated in the Midlands of England and is considered the economic hub of the county.

Many homeowners over 55 are tapping into the equity locked in their homes through equity release.

Equity release providers in the area to consider include:

• Veracity Financial Planning
• Oliver Jones Associates Limited

P

Plymouth

Plymouth is a port city in Devon, based in the southwest of England, and a popular UK holiday destination, making it an attractive area for homeowners.

Many retirees are choosing to unlock cash from their properties through equity release.

Plymouth companies providing equity release include:

• Responsible Equity Release – Richard Austen
• Jan O’Neill Mortgages

Portsmouth

As the main city in the English county of Hampshire, Portsmouth is the only English city not entirely linked to the mainland.

Like most of England, the value of properties has steadily grown over the years, enabling those eligible to unlock equity from their homes to boost their cash flow.

Providers in Portsmouth include:

• Just Mortgages
• Access Equity Release

Preston

Preston is based in Lincolnshire in northern England, and as a university town, it has a dynamic property market.

With rising house prices, equity release provides a practical solution for older homeowners to access extra cash. 

Preston’s equity release specialists include:

• Standard Life
• Responsible Equity Release – Louise Corasdale

S

Sheffield

Based in the northern part of England in South Yorkshire, Sheffield provides easy access to the nearby Peak District, a popular UK holiday destination.

Homeowners in their later years can benefit from continued increases in property value by opting to release equity from their properties.

Companies in Sheffield providing equity release include:

• Access Equity Release – Martin Wade
• Premier Equity Release

Southampton

Southampton is a vibrant port city based in Hampshire, on England’s south coast.

Even considering current market fluctuations, homeowners over 55 can still benefit from increased property values over recent years by turning the existing equity locked up in brick-and-mortar into tax-free cash. 

Companies offering  equity release include:

• Key Later Life Finance – Stephen Lucas
• Mortgage Required – Andrea Green

Swansea

Being the second largest city in Wales, Swansea still provides ample opportunities for equity release.  

Even though the current property market⁹ has hit a bit of a lull, more mature homeowners would still have enjoyed the benefit of rising property prices over previous years, which means they could turn the cash locked up in their properties into cash.

Providers in Swansea include:

• Sturgess Mortgage Solutions
• 55 Plus

Common Questions

Conclusion

If you are considering using equity release as an extra financial resource, it is good to know that these products are available in most locations in the UK.

The amount you could access depends on your age and property value, which depend on where you live.

It is essential always to seek advice from a specialist financial advisor who could help you make the best choice concerning specific equity release locations.