Equity release specialists · No monthly repayments required · Stay in your home
A lifetime mortgage is a type of equity release that lets you access the wealth tied up in your home without having to sell it or move out. You retain full ownership and can continue living in your property for as long as you wish.
At Rainstone Money, our specialist later-life lending advisors understand the unique needs of homeowners aged 55 and over. We'll explain all the options available, including lump sum and drawdown lifetime mortgages, and help you understand the long-term implications.
We only work with lenders who are members of the Equity Release Council, ensuring you benefit from important safeguards including the no-negative-equity guarantee.
Get a Free AssessmentAccess your equity
Receive a tax-free lump sum from your property's value. Use it for anything from home improvements to helping family members onto the property ladder.
Flexible access
Take an initial amount then draw down further funds as and when you need them. You only pay interest on what you've drawn, keeping costs lower.
Protect your legacy
Ring-fence a percentage of your property's value to guarantee an inheritance for your loved ones, giving you peace of mind.
We only recommend products from Equity Release Council members, providing you with important consumer protections.
We encourage you to involve family in the process so everyone understands the decision and its implications.
Our advisors provide balanced, impartial guidance on whether equity release is right for you and which product suits best.
Our relationship continues after completion. We're here to answer questions and review your plan whenever you need.
Considering equity release? Speak to our later-life lending specialists for impartial advice.