Expert VerifiedTop 16 Home Reversion Providers to Consider in 2025
- Last Updated: 05 Aug 2025
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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...
- The leading home reversion providers in the UK include trusted names like Legal & General, Aviva, and Just Retirement, known for their robust financial standing.
- When selecting a provider, focus on their customer service excellence, plan flexibility, and solid industry reputation, and consider that costs may encompass arrangement fees, valuation charges, legal expenses, and possible fees for early plan settlement.
- Always shop around and compare home reversion offerings by examining product features and customer reviews, and be aware of risks such as the potential for negative equity, loss of ownership rights, and effects on your estate and potential inheritance.
Are you looking for the best home reversion plan as a UK retiree in 2025? You’re in the right place.
Unlocking the value of your home is a big decision, and finding the right provider can make all the difference. That's why we've crafted this guide to help you navigate the top 5 home reversion providers with confidence.
Our financial experts at Every Investor have meticulously researched the market, so you can make an informed choice on your home reversion journey.
Let’s dive in and discover which provider could be the perfect fit for your future...
Home Reversion Scheme: What Is a Home Reversion?
A home reversion is a key component of equity release schemes in the UK, where homeowners sell a portion of their property in exchange for a lump sum or regular payments.
This option allows you to access your property's value while retaining the right to live in it for the rest of your life.
Home reversion is particularly appealing to seniors seeking financial flexibility in retirement without the burden of monthly repayments, making it a strategic choice for those looking to unlock the value of their home while maintaining lifelong habitation rights.
Home Reversion Plan Providers in the UK: Who Are the Top Companies?
The leading home reversion providers in the UK include Crown, Bridgewater, and Hodge, each renowned for offering high-quality home reversion plans that cater to diverse homeowner needs with a strong commitment to excellence.
For those considering a home reversion plan, engaging with these providers can provide valuable insights and help in making an informed decision.
Let's take a look at the top choices...
#01. Bridgewater
Bridgewater, a key player within the Retirement Bridge Group, manages over 4,500 reversion plans across the UK.1
Established in 1912, Bridgewater is authorised and regulated by the Financial Conduct Authority (FCA) and operates under the supervision of the Equity Release Council (ERC).
Bridgewater offers a variety of home reversion options designed to suit different financial needs, with options including no rent, fixed rent, and escalating rent plans.
Simply put
The principle is straightforward: the more rent you agree to pay, the more money Bridgewater releases as a lump sum, allowing homeowners to tailor their equity release to their specific financial goals.
For those concerned about inheritance, Bridgewater’s home reversion plans also provide options that include inheritance guarantees, ensuring your loved ones are protected.
#02. Crown Equity Release
Founded in 2001, Crown is a provider that uses private investors to fund its equity release plans, and all plans adhere to the Equity Release Council's (ERC) code of conduct, ensuring tenants cannot be evicted under this protection.2
What sets Crown apart is its flexibility, made possible by its unique funding structure.
Crown accepts properties that many other lenders would reject—those that fall outside standard property criteria—making it a valuable option for homeowners with non-traditional properties.
Best of all
Crown offers the ability to sell up to 100% of your property’s value while giving you the flexibility to choose a payment plan that suits your needs.
Read More: The ERC Rules and Safeguards
#03. Bank of Ireland
This is a provider associated with Post Office Money®.
It offers a range of mortgage options specially created for borrowing money even into your retirement.
#04. Beverly Building Society
Beverley Building Society is a provider based in Yorkshire and is a regional society.
It offers a mortgage that is an interest-only retirement mortgage, which is an excellent route for your finances as it will prevent you from potentially paying too much interest.
#05. Hanley Economic Building Society
Hanley Building Society was established in 1854 in Stoke on Trent. 3
This building society is willing to lend money to retirees up to the age of 80, allowing you the freedom to borrow money for your retirement if you choose them as your provider.
#06. Hinckley and Rugby Building Society
Hinkley and Rugby Building Society offer fixed as well as discounted retirement mortgages.
You can approach them once you turn 55 years of age, with no maximum age, and they may lend you up to 60% of the value of your property, also known as the LTV.
Best of all, it does not require early repayment charges.
#07. Hodge Lifetime
Launched in 1965, Hodge Lifetime introduced its first equity release plan, making it the longest-established provider in the UK.4
Initially, Hodge offered a unique retirement mortgage that blended elements of residential retirement and lifetime mortgage plans, and this product required borrowers to make monthly interest payments until the homeowner either passed away or entered long-term care.
However, Hodge has since shifted its focus and is in the process of transferring its equity release plans to other providers—a strategic move that allows Hodge to concentrate on other areas within the financial sector.5
#08. Ipswich Building Society
Situated in Suffolk, Ipswich Building Society offers options like discounted and fixed-rate retirement mortgages.
You must be 55 years of age or older to take this mortgage, with the minimum that you can borrow being £25,000 and a maximum of £500,000.
#09. Leeds Building Society
Leeds Building Society has a residential mortgage range for people up until the age of 85.
They have also removed the age cap at the end of their Buy-to-Let mortgages.
#10. Mansfield Building Society
Mansfield Building Society provides RIO mortgage options with fixed or discounted rates.
The building society has different lengths you can choose from, in terms of 2 to 3 years, with the aim to be a trustworthy and secure mutual organisation.
It will use 100% of your pension salary, and it assesses each individual's situation to determine the best plan for you.
#11. Marsden Building Society
Marsden Building Society was created in 1860 and offers fixed and discounted-rate retirement mortgages with a 3 or 5 year fixed-rate RIO for those over the age of 55 who own a home.6
It will lend up to the value of 50% of your property, with the minimum value being £150,000.
#12. Newbury Building Society
Newbury Building Society, a smaller mutual society, offers a single discounted rate 5-year retirement interest-only (RIO) mortgage, with one of the standout features being coverage of around £700 of your property valuation fees—and they do not charge legal fees.
The RIO mortgage comes with a discounted rate, and overpayments are allowed; however, early repayment charges apply if you repay within the first 3 years.
During this period, you can overpay up to 20% of your initial loan without penalty.
#13. Penrith Building Society
Penrith Building Society offers an entire residential mortgage range, making it suitable as a retirement mortgage as there is no age limit attached to it.
You would also be borrowing up to 50% of your property value if you are 55 years of age or older.
#14. Scottish Building Society
Established in 1848, the Scottish Building Society is the only society situated in Scotland.7
They allow homeowners to borrow money up to the age of 85, allowing you to borrow up to 50% of your property value, with a minimum being £30,000, and a maximum being £300,000.
Your income determines the maximum you can borrow, and that could be your pension income as well.
#15. Swansea Building Society
Swansea Building Society was set up in 1923, offering a single retirement mortgage plan that is solely for properties in Wales.8
It may lend up to 60% LTV (your property's value), and you can be lent money up until the age of 85.
You will need to receive an income of £18,000 minimum; you must be retired; and 50% of your income must come from your retirement income specifically.
#16. Tipton and Coseley Building Society
'The Tipton', a small building society, is situated in the West Midlands.
With them, you may be able to obtain a fixed or discounted rate retirement mortgage of many varieties.
It has options like 3 and 5-year terms as well as a whole-term discounted mortgage with its "later life lending range."
Compare Home Reversion Rates: Looking Across Providers
Home reversion rates vary significantly across providers; some providers offer better rates based on your age, health, and property value, so comparing these rates is essential to getting the most from your plan.
Remember, home reversion plans usually provide a lower rate than the open market value, but careful comparison allows you to select a provider that offers competitive terms.
Compare Home Reversion Deals
Providers often have special deals or unique features that can enhance the value of a home reversion plan; for instance, some companies offer no-negative equity guarantees or discounted rates for certain property types.
Comparing these deals helps you identify value-added features that align with your needs and consider any hidden fees or conditions that might impact the final amount you receive.
Current Home Reversion Mortgage Deals in the Market
Some home reversion providers offer mortgage deals tailored to specific financial needs, such as low-interest options or deferred payment plans.
These deals can make it easier to manage your finances, especially if you’re looking to release equity without immediate repayment requirements, so look for deals with transparent terms and minimal fees to make the most of your home reversion plan.
As of November 2025, several providers offer various plans:
- Retirement Bridge: The UK's largest administrator of home reversion plans, offering options to sell between 25% and 100% of your property for a cash lump sum.
- Hodge Lifetime: Offers home reversion schemes tailored to individual needs, with flexible options regarding the percentage of the property sold.
- Crown Equity Release: Provides home reversion plans with various options to suit different financial requirements
Comparing High Street Banks and Home Reversion Mortgages
The 'big 6' high street banks—Halifax, Barclays, Lloyds, HSBC, Santander, and Royal Bank of Scotland (RBS)—currently do not offer lifetime mortgages or other equity release plans.9
If you’re considering a lifetime mortgage, you’ll need to look at other providers, such as those listed above.
In recent years, Nationwide has entered the lifetime mortgage market. However, instead of offering these plans directly, they partner with Pure Retirement to provide these services on their behalf.
Common Questions
Home reversion plans can be risky; that is why it is important to discuss with your financial adviser so that they can assist you in choosing a reputable provider.
Equity release is not the solution for everyone, but when you use it in the right circumstances, it can change your life for the better.
If you need to pay for expenses and do not have the cash flow, but you do have the equity, then accessing it could solve this issue.
When you sell your home, the difference between the amount you owe on a mortgage or other debts you have secured against your home and the sale proceeds is the home’s equity.
Once you sell your property, that equity will be yours to use in pursuit of your financial goals.
When choosing a home reversion provider, it is important to consider factors such as their reputation, experience, interest rates, terms and conditions, and customer reviews.
Look for providers who are authorised and regulated in the UK by the Financial Conduct Authority (FCA) and members of trade bodies like the Equity Release Council.
Transparency, flexibility, and excellent customer service are also important qualities to look for in a home reversion provider.
To compare home reversion providers, start by reviewing their interest rates, fees, and terms.
Consider the maximum amount of equity they are willing to release, the minimum age requirement, and any restrictions on property types.
Look for providers that offer a free initial consultation or advice from qualified professionals.
Additionally, read reviews and seek recommendations from trusted sources to assess the provider’s track record and customer satisfaction.
Yes, risks associated with home reversion providers include selling a significant share of your property at below-market value, reduced inheritance for beneficiaries, and limited flexibility to move or sell the property later.
It is crucial to carefully consider the risks and seek independent financial and legal advice before proceeding with a home reversion plan.
The costs involved with home reversion providers may include arrangement fees, valuation fees, legal fees, and administration fees.
It is essential to review the provider’s fee structure and clarify any potential hidden costs before committing to a home reversion plan.
Additionally, keep in mind that there may be costs associated with early repayment or transferring the plan to another property.
Understanding the full cost implications will help you make an informed decision about the most suitable home reversion provider for your needs.
In Conclusion
In today’s uncertain economic times, more people are exploring home reversion and retirement mortgages to secure their financial future.
These solutions offer the peace of mind needed to enjoy quality time with your family without compromising your lifestyle or financial stability.
The challenge lies in finding the right provider that truly understands your unique needs and circumstances.
*The features mentioned and the amounts raised, are subject to the lender’s criteria, terms, and conditions. These may consider age, health, and lifestyle factors to provide an enhanced amount.
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