Search Equity Release is a whole-of-market later-life lending firm. That means we compare products from across the market to find the right fit for your circumstances, rather than offering a single provider's plan.
Below are the lenders we work with, grouped by the type of product they offer. The first group are equity release providers offering lifetime mortgages. The second are building societies and specialist lenders offering retirement interest-only (RIO) and later-life mortgages, which work differently from equity release.
Last reviewed: June 2026
Going direct to a single lender means you only ever see one company's products. As a whole-of-market firm, we compare across the lenders below, so your recommendation is based on the wider market rather than a single provider's range. Our initial advice is at our cost, and an advice fee of a maximum of £1,495 is only payable if your case completes.
These providers offer equity release through lifetime mortgages for homeowners aged 55 and over. Each is a member of the Equity Release Council, which sets standards including a no negative equity guarantee.
Aviva is one of the UK's largest insurance, savings and retirement providers and offers equity release through lifetime mortgages secured against your home. Its plans let homeowners aged 55 and over release tax-free cash as a lump sum, or with a cash reserve to draw from later.
Equity Release Council member
Legal & General is a long-established UK financial services group whose Home Finance arm provides equity release through lifetime mortgages, with cash taken as a lump sum or a series of lump sums and the option to roll up the interest or make payments.
Equity Release Council member
Canada Life is the UK arm of a long-established insurance and wealth group and offers equity release through a flexible range of lifetime mortgages, letting homeowners release tax-free cash as a single lump sum or a series of smaller lump sums.
Equity Release Council member
more2life is a UK specialist later-life lending provider focused on lifetime mortgages, offering a range of lump sum and drawdown plans, including options for customers with qualifying medical conditions.
Equity Release Council member
Just is a UK specialist retirement financial services provider, part of Just Group plc. Its lifetime mortgage, the Just For You plan, is a tailored equity release product offered with medical underwriting.
Equity Release Council member
Pure Retirement is a UK lifetime mortgage lender specialising in later-life lending and part of the Legal & General group, offering a range of lifetime mortgages with lump sum and drawdown options.
Equity Release Council member
Royal London Equity Release is the later-life lending arm of Royal London, the UK's largest mutual life, pensions and investment company. It joined the equity release market in 2023 and offers lifetime mortgages to homeowners aged 55 and over.
Equity Release Council member
LiveMore is a specialist later-life lender for borrowers up to, into and in retirement, offering a full range of products including lifetime mortgages (lump sum or drawdown) and retirement interest-only mortgages.
Equity Release Council member
Riverton Home Finance is a lifetime mortgage lender offering equity release to homeowners aged 55 and over, part of the Rothesay Group and a member of the Equity Release Council and UK Finance.
Equity Release Council memberThese building societies and specialist lenders offer retirement interest-only (RIO) and later-life mortgages, where you typically pay the monthly interest rather than letting it roll up. These are not equity release products, and they suit different circumstances.
Vernon Building Society is a regional mutual offering Retirement Interest-Only (RIO) mortgages for older borrowers, where you pay the monthly interest and the balance is repaid from the sale of the property.
Retirement Interest-Only (RIO)
Hodge is a Cardiff-based specialist bank offering later-life lending, including a Retirement Interest-Only (RIO) mortgage and residential mortgages designed to extend into retirement.
Retirement Interest-Only (RIO)
The Nottingham is a building society offering Retirement Interest-Only (RIO) mortgages to help over-55s borrow in retirement, paying only the monthly interest with no fixed end date.
Retirement Interest-Only (RIO)
Bath Building Society is a regional mutual offering Retirement Interest-Only (RIO) mortgages for borrowers aged 55 and over, who pay the monthly interest rather than letting it roll up.
Retirement Interest-Only (RIO)
Mansfield Building Society offers mortgage lending into retirement, including Retirement Interest-Only (RIO) mortgages, as an alternative to equity release.
Retirement Interest-Only (RIO)
Scottish Building Society is a mutual offering a Retirement Interest-Only (RIO) mortgage for homeowners aged 55 and over, with a required monthly interest payment and no fixed end date, lending in both Scotland and England.
Retirement Interest-Only (RIO)
Buckinghamshire Building Society is a mutual offering later-life lending in the form of Retirement Interest-Only (RIO) mortgages, assessed on individual circumstances with a no-maximum-age policy.
Retirement Interest-Only (RIO)
Dudley Building Society offers mortgages for borrowers in or approaching retirement, using manual underwriting to assess individual circumstances rather than offering equity release.
Later-life residential mortgage
The Tipton is a building society offering later-life residential mortgages, including a Retirement Interest-Only (RIO) range for borrowers aged 55 and over and lending that extends into retirement.
Retirement Interest-Only (RIO)
Leeds Building Society offers a range of mortgages for borrowers approaching or in retirement, including Retirement Interest-Only (RIO) mortgages with monthly interest-only payments and no set end date.
Retirement Interest-Only (RIO)
| Lender | Product type | Equity Release Council member |
|---|---|---|
| Aviva | Lifetime mortgage | Yes |
| Legal & General | Lifetime mortgage | Yes |
| Canada Life | Lifetime mortgage | Yes |
| more2life | Lifetime mortgage | Yes |
| Just | Lifetime mortgage | Yes |
| Pure Retirement | Lifetime mortgage | Yes |
| Royal London Equity Release | Lifetime mortgage | Yes |
| LiveMore | Lifetime mortgage | Yes |
| Riverton Home Finance | Lifetime mortgage | Yes |
| Vernon Building Society | Retirement interest-only / later-life | No |
| Hodge | Retirement interest-only / later-life | No |
| Nottingham Building Society | Retirement interest-only / later-life | No |
| Bath Building Society | Retirement interest-only / later-life | No |
| Mansfield Building Society | Retirement interest-only / later-life | No |
| Scottish Building Society | Retirement interest-only / later-life | No |
| Buckinghamshire Building Society | Retirement interest-only / later-life | No |
| Dudley Building Society | Retirement interest-only / later-life | No |
| Tipton & Coseley Building Society | Retirement interest-only / later-life | No |
| Leeds Building Society | Retirement interest-only / later-life | No |
Equity Release Council membership status verified at time of publication. June 2026.
Your advice comes from Craig Oliver, who has worked in later-life lending for three decades and was named Best Individual Adviser at the 2018 Equity Release Awards. Search Equity Release is a member of the Equity Release Council and a trading style of One Stop 4 Equity Release Limited, authorised and regulated by the Financial Conduct Authority under No. 952887.
Questions about the lenders we work with and what to expect.
There are a number of active lifetime mortgage lenders in the UK, and the list changes as providers enter or leave the market. As a whole-of-market firm we compare across the available lenders rather than recommending a single provider.
Most building societies do not offer equity release or lifetime mortgages. Instead, many offer retirement interest-only (RIO) and later-life mortgages, where you pay the monthly interest each month. These work differently from equity release and suit different circumstances.
With an equity release lifetime mortgage you do not have to make monthly payments and the interest can roll up over time, with the loan repaid when you die or move into long-term care. With a retirement interest-only (RIO) mortgage you pay the interest each month so the balance does not grow, and it is assessed on whether you can afford those payments. Advice helps you understand which is right for you.
Going direct to a lender means you only see that one company's products. Equity release also requires regulated advice before you can proceed. A whole-of-market adviser compares across the lenders we list here so your recommendation reflects the wider market.
Yes. Lenders offering equity release and mortgages in the UK are authorised and regulated by the Financial Conduct Authority. The equity release providers we list are also members of the Equity Release Council, whose standards include a no negative equity guarantee.
We compare across the lenders above so your recommendation is based on the wider market. Our initial advice is at our cost, and a fee is only payable if your case completes.
