Consultative wealth and home equity planning
Your property represents a lifetime of quiet stewardship. We help homeowners aged 55 and over unlock accumulated equity thoughtfully — whether funding retirement ambitions, assisting children onto the property ladder, or restructuring debt with absolute legal safeguard.
At Campden Brook we advise in certain areas, and for those that require specialist licences, we partner with others to help provide an all-encompassing advice arena. This covers additional areas like Business Protection, Private Medical Insurance, and Equity Release / Later Life lending advice.
Bespoke equity solutions for your second chapter
Releasing wealth tied up in your home is a major decision that requires patience, clear-headed analysis, and complete family transparency.
Our later life practice evaluates all potential alternatives — including standard re-mortgaging, downsizing, and pension draws — before recommending an equity release facility. We guide you and your family through every stage without pressure or jargon.
Lifetime Mortgages
Tax-free equity release with optional repayments
Homeowners aged 55+ seeking to access tax-free capital from their primary residence while retaining 100% legal ownership of their home.
How it works: A Lifetime Mortgage is a loan secured against your property. You receive a tax-free lump sum or a drawdown facility to access capital in smaller instalments as needed. You retain full ownership of your home and can live there for life or until you move into long-term care.
Repayment flexibility: You can choose to make no monthly interest repayments (allowing interest to roll up over time), or make voluntary penalty-free partial repayments to service the interest and preserve your estate's remaining equity.
Key feature: Flexible drawdown reserves with optional monthly interest servicing to protect family inheritance.
Retirement Interest-Only (RIO) Mortgages
Affordability based on pension income
Older homeowners with predictable pension or retirement income who wish to maintain interest-only borrowing into later life without compounding interest.
How it works: Unlike standard Lifetime Mortgages where interest rolls up, a RIO mortgage requires you to pay the monthly interest charge each month. Affordability is assessed on your proven retirement and pension income rather than earned salary.
Key advantage: The capital debt remains fixed and is only repaid when the property is sold following the last remaining borrower passing away or moving into long-term care. This prevents interest compounding and preserves maximum property value for your estate.
Key feature: Fixed monthly payments with zero compounding debt accumulation.
Family Wealth & Estate Distribution
Supporting the Bank of Mum & Dad
Established homeowners who wish to release property wealth early to support children or grandchildren with house deposits, wedding expenses, or university fees.
How it works: Waiting to pass on inheritance through a Will can mean your children receive support later in life when they need it less. Releasing equity during your lifetime allows you to see the tangible benefit of your gift — helping the next generation secure their first home today.
Legal alignment: Working alongside our group practices, Kingsley Bond and Montrose Brown Solicitors, we ensure gifted deposits are legally documented and aligned with your broader estate planning, Lasting Powers of Attorney (LPAs), and Will arrangements.
Key feature: Intergenerational wealth transfer structured safely under one legal and financial roof.
Your peace of mind: The Equity Release Council guarantees
We strictly arrange products that adhere to the mandatory standards set by the Equity Release Council (ERC).
No-negative-equity guarantee
You will never owe more than the total market value of your home when it is sold. If property market valuations fall, any shortfall is absorbed entirely by the lender, ensuring your estate and heirs are never left with personal debt liabilities.
Lifetime tenure & right to remain
You have the absolute right to remain living in your property for life, or until you move into permanent long-term care, provided the property remains your main residence and you abide by basic maintenance terms.
Independent solicitor requirement
Equity release cannot proceed without independent legal advice. Before completing any agreement, a qualified solicitor must meet with you face-to-face to independently verify that you fully understand the contractual terms, risks, and obligations.
Start the conversation
Whether you are stepping onto the ladder for the first time, moving home, refinancing an existing property, or securing your family's future — our senior team is ready to listen.