Equity Release Mortgages for Advisers | Equity release is a specialised financial product designed for clients aged 55 and over. It allows them to access the equity in their home while staying in it. It is a complex and long-term commitment that is highly regulated and requires specific adviser expertise. Connect supports advisers who want to offer this specialist advice safely, confidently and in compliance.
Joining the Connect Network gives you access to the tools, training and expert guidance needed to deliver high-quality, later-life lending advice. Whether you already advise on lifetime mortgages or want to add equity release to your services, we provide the structure and support to help you build your business in this area.
What Is Equity Release
Equity release allows clients to release funds tied up in their property. Since this area involves long-term borrowing and important financial decisions, it requires an adviser who understands the regulatory framework and the risks, benefits and suitability requirements involved.
As a regulated activity, equity release demands detailed fact-finding, client vulnerability assessment and clear evidence that the advice is appropriate. Connect gives advisers access to compliance support, product training and specialist lender knowledge to ensure every case meets FCA expectations.
Why Advisers Choose Connect for Equity Release
Connect is a mortgage network built for advisers who want access to specialist expertise and structured support. Equity release is one of the most regulated areas of the mortgage market, and advisers benefit from having experienced teams available to guide them through research, suitability and documentation.
Our network combines hands-on guidance with advanced digital tools to help you manage complex cases. You will also have access to our broker technology platform, which supports suitability records, document storage, case tracking and compliance checks throughout the client journey.
Specialist Lender Access for Later Life Lending
Connect provides a wide range of later-life lending providers, including lifetime mortgage lenders and retirement interest-only options. Advisers receive help with understanding criteria, affordability rules and suitability requirements for different client circumstances.
The later-life lending market is constantly evolving, and Connect keeps advisers informed about product changes, regulatory updates, and shifts in consumer needs. This ensures your advice remains compliant, relevant and suitable for clients planning for later life. To learn more, visit our specialist lending solutions page.
Equity Release Support and Training for Advisers
Equity release training is essential for any adviser entering this market. Connect provides access to structured learning and ongoing development so advisers fully understand the complexities, risks and suitability of these long-term products.
Our adviser training and development programme covers:
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Lifetime mortgage structure
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Interest roll-up and repayment options
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Property risk factors
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Vulnerability considerations
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Suitability and regulatory requirements
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Client duty standards
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Preparing a compliant file
We also offer one-to-one support to help you handle real equity release cases with confidence.
Compliance Support for Complex, Regulated Advice
Equity release advice must follow strict FCA rules. Connect provides compliance assistance to help you navigate every stage, including file checks, suitability documentation, client vulnerability assessments and advice sign-off.
The Connect compliance team supports advisers by reviewing case files, offering guidance on suitability letters and ensuring every recommendation is in line with regulatory expectations. This helps advisers deliver helpful, well-documented and evidence-based advice for every client.
Technology and Tools to Support Equity Release Brokers
Equity release cases involve complex documentation, long-term projections and suitability evidence. Connect provides a digital platform that streamlines the process so advisers can focus on delivering high-quality advice.
Our Connect technology system for advisers supports:
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Case management for complex later-life lending
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Document storage for suitability and compliance evidence
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Workflow tracking from enquiry to completion
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Integrated research tools for mortgage and protection products
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Communication logs for client interactions
This reduces administrative time and ensures advisers always have accurate records for each step of the client journey.
Expert Case Support for Lifetime Mortgages
Lifetime mortgages require a detailed assessment of suitability, affordability, client vulnerability and long-term planning. Connect advisers gain access to specialist case handlers who understand the complexities of later life lending and can guide you through structuring the case correctly.
This includes:
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Understanding early repayment charges
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Managing inheritance protection features
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Assessing ongoing affordability
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Identifying potential client risks
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Ensuring all regulatory checks are met
The aim is to help advisers deliver safe, reliable and high-quality advice.
Grow Your Business With Equity Release
Adding equity release to your services helps you support clients who may need additional funds later in life. Many advisers join the Connect Network to expand their offering and access specialist guidance that is difficult to achieve independently.
Connect provides a full framework including technology, compliance, training and case support, giving advisers the confidence to manage this specialised and highly regulated area.
Join the Connect Network
If you want to provide equity release advice or grow your later-life lending business, Connect will support you with expertise, training, and digital tools.
Our network is designed to help advisers deliver safe, compliant and specialist advice in one of the most regulated areas of the mortgage market. Join today to access the support and structure you need to succeed.
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FAQ | Equity Release Mortgages
| Question | Answer |
|---|---|
| What is equity release, and why is it considered a specialised financial product? | Equity release enables clients aged 55 and over to unlock equity in their home. It is a specialised financial product because it is long-term, highly regulated and requires an adviser who understands suitability, risk, client vulnerability and FCA expectations. |
| Do mortgage advisers need specific qualifications to offer equity release advice? | Yes. Advisers must hold an approved equity release qualification and understand the regulations governing lifetime mortgages. Connect provides training and guidance to help advisers meet these requirements. |
| Why is equity release regulated differently from standard mortgages? | Equity release involves long-term borrowing, compound interest, client vulnerability and potential inheritance impact. Because of this complexity, the FCA requires strict suitability assessments, clear documentation and robust advice standards. |
| How does the Connect Network support advisers giving equity release advice? | Connect offers training, compliance support, lender access and case guidance. Advisers also use the Connect technology system to manage documentation, research and suitability checks throughout the equity release process. |
| What tools does Connect provide to help advisers manage complex equity release cases? | Connect gives advisers access to a digital platform with case tracking, document storage, integrated research tools and communication logs. These tools help advisers manage complex, long-term equity release cases efficiently and in compliance. |
| Can advisers join the Connect Network to expand their equity release offering? | Yes. Advisers can join the Connect Network to receive support, training, technology and case assistance. This helps them safely enter the equity release market and grow their later-life lending business. |
| What are the risks advisers must consider when recommending equity release? | Advisers must consider early repayment charges, interest roll-up, inheritance impacts, affordability, client vulnerability and long-term suitability. Connect provides specialist guidance to help advisers assess these factors correctly. |
| What makes equity release advice different from other mortgage recommendations? | Equity release advice requires deeper fact-finding, more detailed suitability assessments, long-term forecasting and a strong focus on client vulnerability and future needs. It is more regulated and demands specialist expertise and documented evidence. |