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In 2020, thousands of people in retirement debt raised over £698m using this solution. So could you.



For the growing number of people facing retirement debt in the UK, life can feel like sailing in a leaky boat. And when you’re spending all your time, effort and money trying to stay afloat under the weight of bills and credit commitments, those golden years you looked forward to all your working life can seem anything but golden.

And with the likes of remortgaging, personal loans and many credit cards having upper age limits for access, it can feel like there’s no way out of the retirement debt trap.

If any of this feels familiar, then please read on, because Evolve Lifetime have the solution to your problems.


Over the past 30 years, more than half a million homeowners in the UK have raised £30bn using equity release. So can you.


Equity release offers a way to unlock the value you have in your home, usually as a tax-free lump sum. You’ll still own your property for the rest of your life, and won’t have to move out. And in most cases, you won’t need to make monthly repayments.


Instead, the money you receive from equity release, plus interest, will be repaid when you, or both you and your partner, move into a care facility, or pass away.

And right now, with interest rates at an all-time low, equity release products are more in demand than ever.


Evolve Lifetime are here to help.

With nearly 400 equity release products currently available, the idea of finding the most suitable product can seem daunting.


Which is where Evolve Lifetime come in. As fully independent financial advisors, we have decades of experience advising clients on mortgages and financial matters of all types. And we specialise in helping customers who are looking to address their later-life financial security.


If you’re over 55, and own a property, whether the mortgage is fully paid off or not, we can help you explore whether equity release is the right approach for your needs.

Our friendly and welcoming advisors start the process by looking at all the options available to you, and ensuring we understand what you want to achieve with equity release. For example, many clients often want to protect an inheritance for their children, or wish to leave open the option to downsize at some point. These factors affect which equity release products will work best for you.

By taking the time to fully understand your particular needs and financial commitments we can then research the whole market, and ensure we find the best product for your situation.

Being house rich, but income poor, can be frustrating, particularly in later life when income is reduced. With our help, you can unlock your equity, and put the wind back in the sails of your retirement journey.

Sinking into retirement debt? Get in touch with Evolve Lifetime today on 01473 603211

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