This arrangement may involve a lifetime mortgage or a home reversion plan. To understand the features and risks ask for a personalised illustration. An equity release plan will reduce the value of your estate, will not be suitable for everyone and may affect your entitlement to state benefits. An equity release scheme is a complex legal arrangement and expert independent legal advice should always be obtained before entering into an agreement. There will be no cost to you for the initial consultation. A fee may be charged on completion of your equity release. We will also be paid commission from the company that lends you the money.