Our Customers rate us 4.6 out of 5


Trusted equity release advisor.

Looking to free up your finances? Our specialist equity release advisors are here to help you figure out your next steps.

Your home may be repossessed if you do not keep up repayments on your mortgage. When The Bank Says No is a mortgage broker, and not a lender.

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Finding You The Best Remortgage Deal When Releasing Equity From Your Home

If you’re considering equity release, it can be confusing to know where to start. Not only are there a range of products available, but there are also serious implications to consider. Don’t waste time stressing; equity release can be a great financial solution for lots of people, it just needs to be well thought through. Our expert team of equity release advisors are here to help you properly assess your options and free up your finances without the worry. Whether it’s a home reversion plan or a lifetime mortgage, we’ll make sure you have the most suitable product for your circumstances.


Releasing you from stress.

Equity release can be stressful, but it doesn’t have to be. Armed with the facts and supported by a team of specialist later life lending advisors, you’re free to take your next steps feeling confident and reassured. Whether you’re considering this product due to soaring living costs or you need to make a one-off purchase, we can help you assess the market and determine the most appropriate financial solution for you.

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We can support you and help you to make yourself as attractive to banks as possible, ready for your next application!

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Turning Your Nightmares Into Dreams

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When you think you’ve hit that brick wall and have all but given up hope of finding mortgage finance, When the Bank Says No are here to turn your ‘No’ into a ‘Yes’. We have access to a range of specialist lenders who are willing to help those that the High Street banks just won’t touch. Get in touch today and see how we can turn your dreams into a reality.

Frequently Asked Questions

What is equity release?

The term equity release refers to a range of loans and financial products that enable people to access the money or equity they have tied up in their properties. It is usually intended for people over 55, and can come in the form of a lump sum or monthly payments. The key benefit of equity release is that you can access more disposable income or fund a large purchase without having to downsize or leave your home. There are two main types: lifetime mortgages and home reversion plans.

Interested in equity release? Contact our friendly team and we’ll provide you with all the insights and advice you need to make an informed and confident decision.

A lifetime mortgage allows you to borrow money and secure it against your home. This type of mortgage runs until your death or until you move into full time care. Once either of these occur, the mortgage will be repaid via the sale of your property. You can make payments or roll them up. This means the interest charged for the mortgage is also repaid when the sale takes place.

Though lifetime mortgages can offer certain benefits, there are also serious risks to consider so it’s important to think carefully before securing any debts against your home and get professional advice. Lifetime mortgages will impact your estate and what you can pass on to the next generation. For total peace of mind, talk to our team today!

A home reversion plan works like this: you sell all or part of your home to an equity release company at less than market value but remain living there as a rent free tenant until you die or move into a care home. This provides you with a tax free lump sum or regular monthly income.

Yes! Many people see a decrease in their incomes upon retirement, and this can put a strain on monthly finances. Lenders won’t typically look at the amount of income you have and how you budget, though they will want to ensure you can cover the costs of living in the property day-to-day. Ultimately, you are borrowing based on the equity you have in the property, so this is the most important factor a lender will consider. Before you commit to any big decisions, speak to a specialist remortgaging advisor to make sure equity release is the right solution for your circumstances.

If your benefits are means tested, equity release could impact your benefits. This is because you will be increasing your income, and this may mean you now do not qualify for financial support. If you’re at all concerned about the risks and implications of equity release, make sure you take the time to talk everything through with trusted friends, family members, and qualified advisors.

Yes, equity release poses some risks, and it’s important to consider them so you go into this with your eyes open. Normally, upon your death the property must be vacated within 1 month, which can put enormous strain on your family at an incredibly difficult time. Of course, you will also be depleting the value of your estate, and reducing the equity you have to pass on to your descendants. With lifetime mortgages in particular, the interest charged throughout your lifetime may mean there is no equity left at all for your loved ones to inherit. A specialist equity release advisor is your best bet if you want to go through the pros and cons in depth.

If you think equity release is the right solution for you, but you’re feeling concerned about the implications, contact a specialist advisor who is regulated by the Financial Conduct Authority. This will provide you with some protection under the Financial Services Compensation Scheme (FSCS), and ensure you know exactly what you’re getting yourself into. Also, ensure the equity release provider you choose is a member of the Equity Release Council. As with any big decision, making sure you have fully appreciated all the risks and implications with your loved ones is absolutely critical.

Specialist guidance for equity release.

When the Bank Says No is a team of specialist remortgaging and equity release advisors operating nationally. We’re passionate about helping people achieve the lifestyle they want, and equity release can be a suitable solution for many. Totally transparent and unfalteringly honest, we never push our customers into anything, but aim to provide them with all the information they need to make the right decision for them. If you’re seriously considering equity release, it’s time to get informed!

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