Access Equity Release

Equity release advice for homeowners aged 55 to 95

Access Equity Release is a UK financial advisory firm focused on equity release products, known in the British market as equity release. Its activity is aimed at homeowners aged between 55 and 95 who wish to access the value built up in their property without moving to another home. The company presents itself as an award-winning specialist in this type of advice and operates under the trading name of Eadon & Co Ltd.

What equity release allows you to do

According to the firm's information, these products allow you to access part of the wealth tied up in your home and use the funds for whatever purpose the client decides. Among the uses the company mentions are paying off the mortgage or other debts, financing home improvements, taking holidays, increasing income and providing financial help to children or grandchildren, for example to help them get onto the property ladder.

The firm warns that this type of product is not suitable for everyone and that its qualified advisers assess each case to determine whether it fits the applicant's situation.

Advice model and process

The service covers the entire journey of the transaction: from explaining how the products work and their risks and benefits to finding the most suitable solution for each client. The company states that it assigns a personal adviser as a single point of contact, with the aim of avoiding the departmental transfers typical of call centres. The recommendation is issued only after analysing the applicant's needs in detail and, if the client decides to proceed, the firm supports the application process.

One aspect the company highlights is that its advisers are authorised to assess other regulated products, such as residential mortgages or second-charge loans, and that they do not work with a closed panel of lenders: they search across a wide range of lenders. If equity release is not the best option, the firm presents the available alternatives.

Products and types

The site distinguishes two main routes within this market: the lifetime mortgage and the home reversion plan. The website also includes educational resources such as a jargon buster, FAQs, short explainer videos, a benefits calculator and seminars.

Coverage and consultation format

The company offers face-to-face or online consultations in various parts of the UK. Among the areas it lists are Aylesbury, Bedfordshire, Berkshire, Bicester, Bristol, Bromley, Bournemouth, Buckinghamshire, Cambridgeshire, Cheltenham, Chiswick, Cirencester, Dorking, Dorset, Dulwich, Eastbourne, East Molesey, Essex, Guildford, Hampton, Hampshire, Hertfordshire, Horsham, Kensington, Kingston, Kent, Leicestershire, London, Lymington, Milton Keynes, Northamptonshire, Nottinghamshire, Oxfordshire, Salisbury, Sheffield, Somerset, Southampton, Suffolk, Surrey, Sussex, Walton on Thames, Warwickshire, Worcestershire, West Wickham, Wiltshire and Winchester.

Fees and regulation

The initial consultation is free of charge and without obligation. If the client decides to proceed with the recommendation, the firm charges an application fee of £99 and an advice fee of £1,495, payable on completion.

Access Equity Release is a trading name of Eadon & Co Ltd, authorised and regulated by the Financial Conduct Authority (FCA) under reference 816029. The company is registered in England and Wales under number 11485349 and its registered office is in Manchester. The firm refers to the Financial Ombudsman Service as the arbitration body for unresolved complaints between regulated firms and their clients.

Location and contact

17 Marble Street, Manchester M2 3AW