Equity release providers in the UK
Equity release providers are the FCA-authorised firms that lend the money for a lifetime mortgage or home reversion plan. This page lists, A–Z, the lenders and banks people often search for alongside equity release. It is not a full list of the market, and being listed is not an endorsement.
Later Life Finance Guide is not affiliated with any of the firms listed and does not recommend any lender or provider. This page summarises publicly available information; products and criteria change, so check the current details with the provider or an FCA-regulated adviser. Details were checked on 26 September 2026. This page is information, not advice.
We do not rank equity release providers
This page does not rank, score or compare providers. Aviva, Just, Legal & General, more2life and Pure Retirement each describe their lifetime mortgages as arranged through a qualified adviser, and an FCA-regulated adviser, not this site, compares plans for your circumstances.
Equity release providers A–Z
Each entry uses the firm's own website, the FCA Register or the Equity Release Council directory (and, for Nationwide, Pure Retirement's own site). For Barclays, Halifax and HSBC, we did not find a named lifetime mortgage or retirement interest-only (RIO) mortgage in the sources we checked; their entries give only what we could confirm.
Equity Release Council membership is voluntary, not an FCA requirement. Members' plans include a no-negative-equity guarantee and a right to remain in your home, provided you keep to the plan's terms, but interest on a lifetime mortgage usually compounds, reducing what you can leave.
Aviva
Aviva offers lifetime mortgages for homeowners aged 55 and over with a property worth at least £75,000.
Its plans include Lifestyle Max (lump sum) and Lifestyle Flexible Advantage (drawdown). Aviva is listed in the Council's member directory. See our Aviva equity release page.
Barclays
Barclays' own site describes its Shared Appreciation Mortgage, a lifetime mortgage sold only in 1998, as closed to new applications.
Halifax
We did not find a named lifetime mortgage or RIO mortgage from Halifax in the sources we checked, and we could not confirm its current interest-only age criteria from a primary source.
HSBC
We did not find a named lifetime mortgage or RIO mortgage from HSBC in the sources we checked, and we could not confirm its current interest-only age criteria from a primary source.
Just
Just offers the "Just For You" lifetime mortgage for homeowners aged 55 to 85 when they apply, with a property worth £70,000 or more.
It includes a no negative equity guarantee, provided the terms are kept, and Just is listed in the Council's member directory. See our Just equity release page.
Legal & General
Legal & General offers a range of lifetime mortgages, with and without monthly interest payments, and a RIO mortgage available up to 60% loan-to-value.
Its lifetime mortgages include a no negative equity guarantee, subject to conditions, and Legal & General Home Finance is listed in the Council's member directory. See our Legal & General equity release page.
more2life
more2life offers a range of named lifetime mortgages, with age bands and criteria that vary by product, and a no negative equity guarantee. It says it works only with qualified equity release advisers, and it is listed in the Council's member directory. See our more2life equity release page.
Nationwide
Nationwide's later-life range has included a lifetime mortgage and two retirement mortgages that are not equity release: RIO and retirement capital and interest (RCI). Pure Retirement's own site says it now administers Nationwide's existing lifetime mortgage customers and is becoming the registered lender for those mortgages; existing tariffs are maintained for five years following the transfer.
It adds that Nationwide continues to support existing RIO and RCI customers. We could not confirm from Nationwide's own site whether it currently accepts new applications for these products.
NatWest Group (NatWest and RBS)
NatWest's own site says it "does not currently offer 'equity release mortgages', 'lifetime mortgages' or 'home reversion' products". Its intermediary lending criteria say it "is not able to accept residential lending into retirement applications". RBS, part of the same group, says on its own equity release page that these products are not available from RBS.
Pure Retirement
Pure Retirement offers lifetime mortgages, including lump-sum and drawdown plans, for homeowners aged 55 to 90 when the plan starts, with a minimum property value of £70,000.
It is listed in the Council's member directory. See our Pure Retirement equity release page.
Home reversion providers
Home reversion is the other type of equity release: you sell part or all of your home for a lump sum or income. Our home reversion plans guide explains more. We could not confirm, from a dated primary source, any provider currently offering new plans to the public.
Retirement Bridge Group and Bridgewater Equity Release
Retirement Bridge Group, a Council member that includes Bridgewater Equity Release, administers existing home reversion plans. A January 2026 Money Helpdesk report said the group does not launch new products for the public; we could not confirm whether Bridgewater takes new applications.
Next step: speaking to an FCA-regulated adviser
An FCA-regulated adviser can help you understand which options, if any, may suit you. Our equity release adviser guide explains what to check, and later-life options covers alternatives.
Later Life Finance Guide is not affiliated with any of the firms listed and does not recommend any lender or provider. This page summarises publicly available information; products and criteria change, so check the current details with the provider or an FCA-regulated adviser.
Frequently asked questions
What is the difference between an equity release provider and an adviser?
A provider, sometimes called a lender, is the FCA-authorised firm that lends the money and holds the lifetime mortgage or home reversion plan. An adviser is regulated separately. They look at your circumstances, may compare plans from more than one provider, and explain whether equity release, and which type, may suit you. Not every adviser covers the whole market, so you can ask which providers an adviser works with.
Does this page rank equity release companies or list ones to avoid?
No. Firms are listed alphabetically, and this page does not rank, score or star-rate them, or name any firm to avoid. Each entry gives only facts from the firm's own website, the FCA Register or the Equity Release Council directory. Whether a plan may suit you depends on your circumstances, which an FCA-regulated adviser can assess. You can check any firm's authorisation on the FCA Register.
How were the firms on this page chosen?
They are the lenders and banks people often search for alongside equity release, based on the search terms we reviewed when planning this page. The list is not complete: other firms offer equity release, and being listed is not an endorsement. The Equity Release Council publishes a member directory, and an FCA-regulated adviser can tell you which providers they work with.
Why are banks included on a page about equity release providers?
People often search for equity release from their own bank. NatWest's own site says it does not currently offer equity release, lifetime mortgages or home reversion. For the other banks listed, each entry sets out only what we could confirm, so you can see where things stand before speaking to an FCA-regulated adviser, who can explain the options available to you.
When were the provider details on this page checked?
The details were checked on 26 September 2026, using each firm's own website, the FCA Register and the Equity Release Council member directory. Products, criteria and arrangements can change after that date, so check any detail with the provider or an FCA-regulated adviser before relying on it. We re-check the details before each update of this page.