Service
Equity release.
Liquidity from your own property — without selling. Your existing property as security for the next plan.
Context
The value sits in the property — not in the bank account.
Many owners have built up wealth over the years that sits in the land register rather than in their bank account: a fully or largely paid-off property. Equity release means making this value usable — as security for a new loan, without selling the property.
The occasions vary: buying another property, a larger modernisation, paying out co-owners after an inheritance or separation. What they have in common: larger sums are involved, and the terms depend heavily on how the project is structured and presented to the bank.
That is exactly where we come in. We determine your realistic borrowing headroom, choose the right structure — an increase, a new loan or refinancing with a top-up — and compare offers from more than 500 banks and credit institutions. Only then do you decide.
Situations
Four scenarios in which we review your options.
Equity for the next property
You want to buy another property — to rent out or to live in. The value of your existing property can serve as substitute equity, without touching your savings.
Larger-scale modernisation
Energy-efficiency refurbishment, an extension or conversion: when the project goes beyond a classic modernisation loan, a mortgage-secured financing is often the more economical solution.
Buying out co-owners after inheritance or separation
A co-owner needs to be paid out — in a community of heirs or after a separation. Borrowing against the property creates the necessary liquidity without having to sell.
Free use for larger plans
Capital can also be raised against your property for entrepreneurial investments or larger private purchases. The intended use affects the terms — we discuss this openly.
Process
From the lending analysis to the payout.
- 1
Property & lending analysis
We determine the headroom your property offers: current property value, registered land charges, existing residual debt and your income situation.
- 2
Strategy decision
Increasing your existing loan, a new loan against a paid-off property, or refinancing with a top-up? We discuss what fits your plans and stage of life.
- 3
Market comparison
More than 500 banks and credit institutions. Not every bank finances every purpose on the same terms — we obtain comparable offers based on identical parameters.
- 4
Execution & payout
Once the decision is made, we coordinate documents, land charge registration or assignment, the notary appointment and the payout — until the capital is available.
Building blocks
Six routes we calculate against each other.
Borrowing against an existing property
A new loan secured against a largely or fully paid-off property. The land charge serves as security — the property remains yours and continues to be used as before.
Increasing your existing loan
Your bank increases the current loan. Convenient, but not always the best offer — we compare the increase against a separate loan from another bank.
Refinancing with a capital top-up
Replace your existing financing and raise additional capital at the same time — sensible when the fixed-interest period is expiring anyway or the terms are no longer competitive.
Substitute equity for investors
The borrowing headroom of your existing property flows into the purchase of the next one as equity. A property portfolio grows without tying up liquid funds.
Modernisation secured by land charge
Finance larger modernisations against a land charge — usually on significantly better terms than an unsecured loan. We also include KfW components where they fit.
Structuring with foresight
Arrange purpose, term and repayment so the financing fits your overall situation. Tax questions are clarified together with your tax adviser — it belongs in one set of hands, but not ours alone.
Pitfalls
Four mistakes that make equity release expensive.
Not thinking through the intended use
Banks ask what the capital will be used for. Housing-related purposes are often financed at better rates than free use. If this is not presented properly, you end up with worse terms than necessary.
Overestimating lending limits
The full property value is not available as security. Banks work with the mortgage lending value and only finance up to a certain limit — existing land charges are deducted. We calculate realistically upfront instead of raising expectations.
Forgetting the costs of the land charge
Registering a land charge involves notary and land registry fees. If you switch banks, the assignment may be added. These items belong in the comparison — otherwise the supposedly best offer doesn't pay off in the end.
Calculating the instalment without the full picture
An additional financing must remain affordable alongside all existing obligations — including in the event of rental loss or changed income. We calculate the total burden before you sign.
Related services
Topics that often belong together.
Frequently asked
What clients want to know upfront.
- What does equity release through a property mean?
- You use an existing, fully or partly paid-off property as security for a new loan. This gives you liquidity without selling the property — for another property, a modernisation, buying out co-owners or other larger plans.
- How much capital can I raise against my property?
- That depends on the property value, the charges already registered and your income situation. Banks generally finance only up to a portion of the mortgage lending value — less existing residual debt. We determine the realistic headroom in the initial analysis, before offers are obtained.
- Does the property have to be fully paid off?
- No. There are options even with an ongoing financing: an increase with your existing bank, a subordinated loan, or refinancing with a capital top-up. Which route makes economic sense depends on residual debt, fixed-interest period and terms — we run the numbers.
- Does the intended use matter?
- Yes. Housing-related uses — such as buying or modernising a property — are financed at better rates by many banks than free use. We present the purpose properly to the bank and select institutions that fit your plans.
- What does your advice on equity release cost?
- The initial consultation is free of charge and non-binding. We are remunerated by the financing bank if the financing is concluded — your terms are neither better nor worse as a result. We disclose this transparently in the consultation.
Your first consultation — free and without obligation.
30 to 60 minutes in which we listen to your situation, answer first questions and tell you transparently whether and how we can help. No sales pitch. No pressure.
- I.We get back to you within one working day by phone or e-mail.
- II.We arrange an appointment — in person, by phone or via video call.
- III.We assess your situation and tell you openly how we can support you.
Start your enquiry
A few quick steps to your personal assessment. Response within 24 hours, strictly confidential.
- Key facts about your plans and equity
- Occupation and net household income
- Preferred advisor, or leave it open
- Your contact details
Takes about 2 minutes. No credit check at this stage.