Equity release can be a practical financial solution for homeowners aged 55 or over who want to access the value tied up in their property without selling their home. However, choosing the right provider or intermediary platform is essential to ensure regulatory compliance, consumer protection and long-term suitability.

Premier Equity Release Club is a professional resource designed to support financial advisers and solicitors in sourcing equity release products from a wide range of regulated lenders.

This review outlines how the Club operates, what services it provides, and how it fits into the broader landscape of later-life financial planning in the UK.

Therefore:

NOTE: EveryInvestor is an impartial and unconnected third-party information provider via this website, and the details replicated in this commentary represent the opinions of EveryInvestor only and may not reflect the views or opinions of Premier Equity Release Club. This article must not be interpreted as advice, nor is it a solicitation to conduct transactions in any financial product provided by Premier.

What Is Equity Release in the UK?

Equity release is a financial product that enables homeowners aged 55 and over to access some of the wealth tied up in their property without having to sell or move out. The most common form in the UK is the lifetime mortgage, where a loan is secured against the home and repaid when the property is sold, typically after the homeowner passes away or moves into long-term care.

Unlike traditional mortgages, there are no mandatory monthly repayments. Instead, interest can roll up over time, although some plans now offer voluntary repayment options to reduce the final balance.

According to the Equity Release Council, over £6.2 billion was released by UK homeowners in 2022 alone, reflecting the growing demand for later-life lending solutions¹.

Premier Equity Release Club does not offer equity release products directly. Instead, it supports financial advisers by giving them access to a wide panel of FCA-regulated lenders and products. This ensures that end clients receive independent, whole-of-market advice tailored to their needs.

Who Can Benefit from Premier Equity Release Club?

Premier Equity Release Club is designed for financial advisers and solicitors who specialise in later-life lending. These professionals use the platform to access a broad panel of equity release providers, along with tools and legal resources that support the delivery of regulated, whole-of-market advice to clients aged 55 and over.

End-clients do not access the Club directly, but they benefit indirectly from the enhanced service quality and lender access their adviser can provide.

What Is Premier Equity Release Club?

Premier Equity Release Club is an independent intermediary support platform based in the UK. It operates exclusively for professionals who offer equity release advice, such as FCA-authorised advisers and solicitors. The Club does not offer financial products or lifetime mortgages itself. Instead, it serves as a gateway to sourcing competitive equity release plans through a network of regulated providers and legal experts.

Its primary purpose is to streamline the advisory process, provide compliance-ready resources, and help professionals meet client needs more efficiently within the later-life lending space.

What Services Does Premier Equity Release Club Provide?

Premier offers a structured suite of support services tailored to advisers operating in the equity release market. These include:

• Access to a curated panel of FCA-regulated lenders, including leading providers in the UK later-life lending sector.
• Dedicated helpdesk support staffed by equity release specialists who provide case assistance and technical guidance.
• Legal partner access, with connections to solicitors experienced in equity release transactions.
• Adviser onboarding materials, including lender and solicitor registration details.
• Facilitation of procuration fees, where adviser commissions from lenders are processed directly through the Club.

All services provided by Premier are offered at no direct cost to its member advisers.

Why Join Premier Equity Release Club?

Financial advisers may consider joining Premier to enhance their advisory proposition, broaden lender access, and benefit from a professional support infrastructure. The platform enables advisers to source products from across the market, including exclusive plans that may not be available through single-lender channels.

By connecting with legal professionals who specialise in equity release, advisers can also expedite the legal and documentation phases of a case, often improving turnaround times and reducing application delays.

Membership is limited to professionals. The platform is not intended for consumers seeking direct access to equity release products.

How Does Premier Equity Release Club Compare to Other Options?

Premier Equity Release Club distinguishes itself by supporting independent financial advisers and solicitors through whole-of-market access, regulatory resources, and legal support. Unlike providers or tied intermediary networks, Premier does not offer financial products directly to consumers. Instead, it enables advisers to source a wide range of later-life lending plans from FCA-regulated lenders.

Whereas some equity release advisers are restricted to a limited panel of lenders, Premier's structure supports independent, unrestricted recommendations. This ensures that clients receive advice that is not influenced by tied agency agreements or exclusive partnerships.

Another key differentiator is the support infrastructure available to member advisers. This includes access to a specialist helpdesk, lender updates, solicitor networks, and ongoing training. These resources allow advisers to deliver a more efficient and compliant client journey.

Premier also facilitates access to lender-specific product variations, including:

• Enhanced lifetime mortgages, available for clients with qualifying medical conditions or lifestyle factors.
• Drawdown plans, which allow flexible access to equity over time.
• Interest-serviced options, which help manage the growth of loan balances.

Which Lenders Are Accessible Through Premier Equity Release Club?

Advisers using Premier can source products from a broad network of reputable equity release providers, many of whom are members of the Equity Release Council.

These include:

• Aviva
• Canada Life
• Hodge
• Just
• Legal & General Home Finance
• LV= (Liverpool Victoria)
• OneFamily
• Pure Retirement
• Standard Life Home Finance
• Crown Equity Release

Each lender offers distinct product features, such as inheritance protection, downsizing protection, and no-negative-equity guarantees, in line with ERC standards. The availability of such features depends on the specific plan selected and the client’s circumstances.

What Interest Rates, Fees, and Terms Can You Expect?

Equity release plans accessed through Premier Equity Release Club are sourced by independent advisers from a broad panel of FCA-regulated lenders. The terms, interest rates and fees of each plan vary based on the provider, the borrower's age and health, the type of product selected, and property value.

Most lenders Premier works with are members of the Equity Release Council, meaning their products adhere to key consumer protection standards.

These typically include:

• No-negative equity guarantees, ensuring borrowers never owe more than the value of their home.
• Voluntary partial repayments on many plans, helping manage interest roll-up.
• Inheritance protection options, allowing a portion of property value to be ring-fenced.
• Fixed early repayment charges, which typically reduce over five years and often expire after that period.
• Loan-to-value (LTV) ranges of approximately 20 to 60 percent, depending on age and health.

These features apply to lifetime mortgages, the most common equity release product in the UK.

Interest Rates

As of July 2025, interest rates for lifetime mortgages typically range from 5.95% to 6.45% annual equivalent rate (AER)².

Rates vary by provider and can be influenced by:

• Age and health of the applicant (enhanced plans may offer higher LTVs at the same rate).
• Type of mortgage (e.g. drawdown, lump sum, interest-serviced).
• Property type and value.

Many lenders now offer fixed interest rates for life, which protects clients from future market rate increases.

Fees

Premier Equity Release Club does not charge consumers directly. Instead, advisers receive procuration fees from lenders. Consumers work with advisers who disclose all costs, which typically include:

Fee Type	Typical Range
Adviser’s advice fee	£900 – £1,900 (sometimes 1.5–2% of loan)3
Lender arrangement fee	£0 – £695
Solicitor’s fee	£500 – £1,250
Valuation fee	£200 – £500

Total setup costs, including advice, legal, valuation, and lender fees, typically range from £1,500 to £3,000⁴.

What Do Clients and Advisers Say About Premier Equity Release Club?

Premier Equity Release Club operates as a business-to-business service, supporting regulated financial advisers and solicitors. Therefore, public-facing reviews are limited. However, adviser testimonials and professional feedback consistently highlight the value of the platform's lender access, legal resources, and dedicated support.

Verified Feedback

As of July 2025, Premier Equity Release Club has a Trustpilot rating of 4.7 out of 5, based on adviser reviews. Positive feedback commonly references:

• Fast and helpful support from the helpdesk.
• Access to a wide range of equity release providers.
• Clear communication and structured onboarding.

“A great resource for any adviser operating in the later-life lending market. The support team are excellent and always available.”
— Verified Trustpilot review (2024)

“As a long-standing member, I’ve always appreciated the club’s independence and market coverage.”
— Trustpilot reviewer, financial adviser (2023)⁵

What Are the Pros and Cons of Using Premier?

While the platform provides value to its professional users, there are practical considerations for advisers and their clients.

Benefits

• Whole-of-market access to FCA-regulated lenders, many of whom are Equity Release Council members.
• Independent advice is supported, not restricted by tied agency models.
• Adviser training and compliance support, helping maintain high standards.
• Solicitor integration, allowing faster legal handling of equity release cases.
• Dedicated helpdesk support for case-by-case technical guidance.

Limitations

• Not accessible to the general public. Consumers must go through a registered adviser.
• Platform affiliation may limit lender choice if an adviser prefers to use providers not listed by the Club.
• All transactions must be adviser-led, which may not suit DIY financial planners.

Member Success Stories

Although the Club does not deal directly with consumers, advisers report that using Premier has helped streamline their case management and improve client outcomes.

For example:

• An adviser in Yorkshire used Premier's solicitor network to cut equity release processing time by two weeks compared to previous providers.
• A client in Surrey accessed an enhanced lifetime mortgage through a Premier-affiliated adviser, unlocking additional funds due to a qualifying health condition.

These stories reflect how the Club’s infrastructure can translate into meaningful benefits for end clients, even though they do not interact with the platform directly.

How Does Premier Address Complaints and Improve Member Satisfaction?

Premier Equity Release Club is not a financial product provider and does not offer services directly to consumers. Instead, it operates as a support platform for advisers and solicitors. As such, any complaints related to advice or client outcomes must be directed to the individual FCA-regulated adviser or solicitor involved in the transaction.

Handling of Adviser and Solicitor Complaints

If an issue arises with an adviser or legal partner affiliated with Premier, the appropriate course of action is to contact that individual firm. Consumers should confirm whether the adviser is authorised via the FCA Register and whether the solicitor is registered with the Solicitors Regulation Authority.

Complaints against regulated professionals can be escalated to:

• Financial Ombudsman Service (FOS) for advisers: https://www.financial-ombudsman.org.uk
• Legal Ombudsman for solicitors: https://www.legalombudsman.org.uk

Premier’s Role in Feedback and Support

While Premier does not resolve complaints against third parties, it maintains a feedback and adviser support process to address internal service concerns. This includes:

• A dedicated helpdesk that responds to adviser queries and operational issues.
• Continuous service reviews informed by member feedback.
• Ongoing refinement of adviser tools, resources, and partner integrations to improve overall experience.

This commitment to professional support helps ensure that advisers are well-positioned to meet regulatory obligations and maintain high standards of client care.

What Tools and Resources Are Available to Advisers?

Premier Equity Release Club offers a range of professional support tools exclusively to its member advisers:

• Adviser-only equity release calculator to estimate cash release and interest growth scenarios.
• Technical guides, compliance checklists, and lender product updates.
• Regular training sessions and webinars covering equity release regulations, product developments, and best practices.
• Direct access to a helpdesk staffed by specialist support personnel for case-specific guidance.

These resources are not publicly available and are designed to assist advisers in navigating the equity release process smoothly and effectively for their clients.

Regulatory and Legal Information

Premier Equity Release Club does not fall under FCA regulation as it does not provide financial advice directly to consumers. It functions as a business-to-business platform supporting advisers and solicitors.

Companies House records show that "The Premier Equity Release Club Limited" (company number 09960866), based in Solihull, was incorporated in January 2016 and dissolved in June 2019 .

Advisers affiliated with Premier must ensure they are personally authorised by the FCA to provide regulated equity release advice. Clients should verify adviser credentials using the FCA Register.

How Can You Contact Premier Equity Release Club?

Contacting Premier Equity Release Club is straightforward, offering clarity and closure for prospective members.

How Can You Contact Premier Equity Release Club?

• +44 121 296 9987
• helpdesk@thepremierequityreleaseclub.co.uk
• 96, Burman Road, Shirley, Solihull, B90 2BQ.

Common Questions

Concluding Thoughts on Premier Equity Release Club

For homeowners aged 55 and over considering equity release, working with a qualified financial adviser is essential. Premier Equity Release Club does not offer financial advice directly but serves as a resource hub for FCA-regulated advisers and solicitors who support clients with later-life lending.

Advisers affiliated with Premier can access a broad range of equity release plans from regulated providers, often with competitive features such as inheritance protection and flexible repayment options. Additionally, the integration with experienced solicitors can help streamline the legal process, potentially reducing delays in application and completion.

Before making any decisions about releasing equity from your home, always ensure your adviser is authorised by the Financial Conduct Authority and that the product meets your long-term financial needs and circumstances.

The features mentioned and the amounts raised, are subject to the lender’s criteria, terms, and conditions. These may take into account the age, health, and lifestyle factors in order to provide an enhanced amount. To understand the features and risks, ask for a personalised illustration.