Expert VerifiedIs Club Equity Release the Right Choice for You?
- 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:
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 in the UK is a financial arrangement where homeowners aged 65 or older can release equity tied up in their property without the need to move.
- In schemes for over 65s, the homeowner either sells part or all of their property or takes out a loan against it, only repaying the amount when the house is sold or when they die.
- The benefits include accessing tax-free cash tied up in their home, maintaining their right to live in the property, and the possibility of an inheritance protection guarantee.
- Potential risks include a reduction in the value of your estate, higher interest rates than regular mortgages, and potential negative impacts on means-tested benefits eligibility.
EveryInvestor is an unrelated 3rd party information website and the opinions in this article are our own and do not necessarily reflect the views or opinions of Club Equity Release.
I think you’ll agree with me when I say:
It’s REALLY hard to choose the best equity release provider with all the choices available.
Or is it?
The companies we profile, including Club are the best in the business to help you unlock the cash tied into your home.
Choosing the best equity release brand can be challenging! If you want to join the over 10,000 UK citizens who’ve unlocked equity this year, you’ll want to listen to this. Choosing the best equity release brand can be challenging! If you want to join the over 10,000 UK citizens who’ve unlocked equity this year, you’ll want to listen to this.
With so many brilliant options on the market, you could end up selecting the wrong equity release lender, only to regret it later.
Don’t worry; we’ve got your back. We’re here to share detailed information about the best equity release brands on the market, to help you make a sound decision. Don’t worry; we’ve got your back. We’re here to share detailed information about the best equity release brands on the market, to help you make a sound decision.
In This Article, You Will Discover:
We’ve spent endless hours gathering the latest brand information with multiple expert consultations and a detailed review of over 350 brands in the industry.
Let’s take a look!
Who are Club Equity Release?
Club Equity Release is a UK-based organization specializing in equity release advice for individuals over 55.
They provide information on various equity release schemes, including lifetime mortgages and home reversion plans.
Their uniqueness lies in their collaborative approach, working alongside financial advisers and solicitors to ensure comprehensive support for clients exploring equity release options.
Club Equity Release is recognized for its commitment to clarity and ethical practice in the field.
What Is Equity Release For Individuals over 50?
Equity release schemes, for individuals over 50, presents a way to access their home equity in the form of cash.
It provides an opportunity to leverage the financial worth of your property.
The repayment model of equity release is distinct; the borrowed amount, including interest, is repaid upon the house's sale, often after the homeowner's significant life changes.
What Is the Process for Club Equity Release in the UK?
The process of club equity release in the UK involves several key steps.
Firstly, discovery and consultation take place, where the club identifies the need for equity release and consults with experts.
After careful consideration and approval from club members, the club then selects an equity release provider.
These providers help unlock the capital tied up in the club's property, offering a potential financial solution for those needing immediate funds.
The final step involves the legal and financial transactions.
A solicitor conducts the legal proceedings while an independent valuation of the club property is carried out to determine its worth.
Upon agreement, the equity release transaction is completed, and the club receives the funds.
Remember, equity release should be considered a long-term commitment.
It is an important process that requires careful planning and thoughtful decision-making, ensuring the club's future financial stability.
How Did We Review Club Equity Release?
We reviewed Club Equity Release by considering all of its data on the products it offers so that we can give you the most credible information about it. We reviewed Club Equity Release by considering all of its data on the products it offers so that we can give you the most credible information about it. Additionally, we will provide an equity release wise review 2025, where we will evaluate the performance of various providers and outline how they compare to Club Equity Release. This ensures that you remain updated with the most relevant insights and are well-equipped to choose the right equity release solution for your needs. By staying abreast of changes and advancements in the industry, you can confidently navigate your equity release journey.
Club Equity Release Reviews
Equity Release Club Complaints
If you are dissatisfied with your experience and want to file a complaint, the easiest way to do so is to contact them directly through their website.
They are concerned about their clients' needs and will refer you to the appropriate department.
Alternatively, you can submit a review on a review site like Trustpilot or Feefo, and they will swiftly contact you to assist.
Club Equity Release Interest Rates
The type of scheme you select will affect the interest rates offered by Club.
Depending on your situation, equity release interest rates can range from 5.97% to 6.28%*.
View the latest interest rates on equity release here.
What Are Club Equity Release Fees?
The fees that Equity Release Club charges are market-related equity release fees.
On average, equity release fees are £1,500 to £3,000.
They may also offer you a free valuation; however, sometimes providers charge for this depending on your plan.
How Does Equity Release and Lifetime Mortgage Work
If you (and your spouse) are 55 or older, you may qualify for an equity release loan.
The age of the youngest homeowner will be considered. Furthermore, some schemes require you to be 60 or 65.
You may qualify for equity release if you own a home in the UK that is valued at £70,000 or more.
Are You Looking for the Club Equity Release Calculator?
Before you consider using the Club equity release calculator, we want you to know that we'll probably be able to find you a better rate and that means a great saving!
Equity Release Types
There are two equity release options available to you.
- Lifetime mortgage: is a mortgage secured on your property (provided it’s your main residence), while retaining ownership.
- Home reversion: is where you sell part or all of your home to a home reversion provider in return for a lump sum or regular payments. You have the right to continue living on the property until you die, but you must agree to maintain and insure it.
The Most Popular Equity Release Uses
- Gaining access to tax-free cash to supplement retirement income.
- Paying off a mortgage, debts, or loans.
- Giving money to family members and children who may need an income boost.
- Taking a dream trip.
- Buying the car of one’s dreams.
- Renovating one’s home or garden, which also should increase the property value.
What You MUST Know About the Providers We Compare
- They’ve helped more than 1 million people decide whom to turn to when releasing equity from their homes.
- They’ve been responsible for organising 1 in 3 plans that the Equity Release Council
Is Club the right equity release provider to assist you and your family?
Club Contact Number & Address
- 0121 296 9987
- helpdesk@thepremierequityreleaseclub.co.uk
- 96 Burman Road, Shirley, Solihull B90 2BQ
Common Questions
Club Equity Release in the UK is a type of equity release scheme specifically designed for individuals aged 65 and above.
It allows seniors to release tax-free cash from the value of their property while retaining the right to live in it.
The scheme operates through a membership club, where individuals contribute a monthly fee and are eligible to access a range of benefits, such as competitive interest rates and flexible repayment options.
For over 65s, Club Equity Release works by unlocking the equity tied up in their property.
Members contribute a monthly fee and can access a tax-free cash lump sum or receive regular payments, depending on their preference.
The loan, along with the accrued interest, is repaid either when the property is sold or when the last surviving member passes away or moves into long-term care.
By providing a cost-effective and flexible way to access funds, Club Equity Release offers a financial solution for seniors looking to enhance their retirement lifestyle.
Club Equity Release offers several benefits for seniors.
Firstly, it provides a tax-free lump sum or regular income, helping individuals to meet their financial goals and enjoy a comfortable retirement.
Secondly, the scheme allows seniors to continue living in their property for as long as they wish, maintaining independence and security.
Additionally, Club Equity Release often offers competitive interest rates, flexible repayment options, and the possibility of portability, allowing members to move home if needed.
These advantages make Club Equity Release a valuable option for seniors seeking financial freedom.
While Club Equity Release can be a beneficial option for seniors, it is essential to consider the associated risks.
One potential risk is the impact on inheritance, as releasing equity reduces the value of the property that can be passed onto beneficiaries.
It is important to involve family members in the decision-making process and seek independent legal and financial advice. Additionally, the interest on the loan can accumulate over time, potentially reducing the equity available to the borrower.
Understanding and managing these risks can help individuals make informed decisions about Club Equity Release.
To qualify for a Club Equity Release scheme, individuals must meet certain criteria.
Typically, these schemes are available to homeowners aged 65 and above, with some schemes having a minimum age requirement of 55.
The property must be of sufficient value and in good condition.
The eligibility criteria may also consider factors such as the individual’s health, property location, and outstanding mortgage balance.
It is advisable to consult with a specialist equity release adviser who can assess individual circumstances and guide seniors through the qualification process.
No, Club Life is not a member of the Equity Release Council.
Club Life is just like any other life insurance company, an independent entity that takes on the risk.
However, Club Life is owned by over 150 of the UK’s biggest building societies and banks so when you choose a Club product you are not only getting great customer service but also peace of mind that your money will be safe.
Club Life have a dedicated jobs page for the opportunities it offers.
Yes, Club Life does equity release.
They’re not a member of the ERC or a member of the Financial Conduct Authority.
Conclusion
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