EveryInvestor Promise
Expert VerifiedWe stay independent and maintain editorial integrity. See how we're funded.
Disclosure
How Does Inheritance Protection Work with Equity Release?
- Last Updated: 23 Oct 2025
-
Fact Checked
Our team recently fact checked this article for accuracy. However, things do change, so please do your own research.
Contributors:
Protecting your inheritance with equity release in 2025 involves careful planning around repayment options, legal safeguards, and family communication. Keep reading to learn strategies that secure your legacy effectively.
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...
- Inheritance protection with equity release, which many plans offer, allows you to set aside a part of your home's value for your heirs, ensuring they inherit even if you borrow against the property.
- Using this feature might lower your borrowing limit and potentially impact eligibility for means-tested benefits, but it guarantees that a portion of your home’s value is preserved for beneficiaries.
- Though the overall value of your estate could decrease due to the repayment of the loan and interest, a secured inheritance ensures your heirs are protected.
Request a Call Back Below Speak to a Trusted Expert Today
🕐 Book Your Free Call - It Takes Just 60 Seconds
What You'll Get on Your Free Call:
- Personalised Guidance: Speak with a friendly UK expert.Friendly Support: Speak with a UK expert.
- No Pressure: Ask anything, with zero obligation.
- Save Time: Get clear answers, skip the confusion.
- Peace of Mind: Know if equity release is right for you.Peace of Mind: Know if it's right.
100% private. No pressure. Just friendly guidance.
Trusted by Over 5,000 UK Homeowners- Free & No ObligationNo Obligations
- Clear, Honest AdviceHonest Advice
- UK-Based Experts
