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What Happens to Equity Release When You Die?
- Last Updated: 23 Oct 2025
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Fact Checked
Our team recently fact checked this article for accuracy. However, things do change, so please do your own research.
Contributors:
Death and equity release in 2025 involves estate impacts, repayment timing, tax considerations, and family communication. These five facts are essential to avoid surprises. Keep reading to ensure your plans protect your heirs.
Be aware. Equity release comes with drawbacks which are important to think about. Lifetime mortgages are secured loans. Compound interest means the amount you owe can grow quickly. Equity release reduces your estate's value and may impact means-tested benefits.Key Takeaways...
- Equity release loans—the amount borrowed, plus accrued interest — must be repaid upon the homeowner's passing, typically through selling the property.
- Your family cannot inherit the plan directly but can repay the loan to keep the property.
- The main outcome of the homeowner's passing is the need to repay the loan, often ultimately necessitating the sale of the home.
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