EFEquity Fountain

Case scenario library

Professional scenarios with balanced considerations

Each scenario sets out objectives, alternatives considered, advantages, important disadvantages and the questions an adviser should investigate.

Illustrative photograph for the scenario: Home improvements and accessibility adaptations
Home Improvements

Home improvements and accessibility adaptations

Eleanor (76), widow and retired nurse · Edinburgh

Property
£650,000
Released
£95,000 — £50,000 initial plus £45,000 reserve

Read the dossier

Free preview · Last reviewed 2026-09-13

Illustrative photograph for the scenario: Repaying a maturing interest-only mortgage
Repaying an Existing Mortgage

Repaying a maturing interest-only mortgage

Robert (68), semi-retired consultant · Surrey

Property
£820,000
Released
£195,000 — lump sum lifetime mortgage

Read the dossier

Members only · Last reviewed 2026-09-13

Illustrative photograph for the scenario: Gifting a deposit to a grandchild
Helping Children or Grandchildren

Gifting a deposit to a grandchild

Arthur (73) & Margaret (71), retired academics · The Cotswolds

Property
£1,250,000
Released
£280,000 — drawdown lifetime mortgage

Read the dossier

Members only · Last reviewed 2026-09-13

Illustrative photograph for the scenario: Interest-serviced lifetime mortgage
Interest-Serviced Lifetime Mortgage

Interest-serviced lifetime mortgage

Raymond (72) & Iris (69), retired civil servants · Cardiff

Property
£505,000
Released
£140,000 — £60,000 initial plus £80,000 reserve

Read the dossier

Members only · Last reviewed 2026-09-13

Illustrative photograph for the scenario: Drawdown compared with a single lump sum
Drawdown Lifetime Mortgage

Drawdown compared with a single lump sum

Raymond (72) & Iris (69), retired civil servants · Cardiff

Property
£505,000
Released
£140,000 — £60,000 initial plus £80,000 reserve

Read the dossier

Members only · Last reviewed 2026-09-13

Illustrative photograph for the scenario: Process-focused vulnerable client scenario
Vulnerable Client

Process-focused vulnerable client scenario

Case reference V-114, attorney-led enquiry · Leeds

Property
£420,000
Released
£60,000 — release deferred pending capacity review

Read the dossier

Members only · Last reviewed 2026-09-13

Illustrative photograph for the scenario: Supplementing retirement income
Supplementing Retirement Income

Supplementing retirement income

Peter (70) & Susan (68), retired teachers · Bristol

Property
£480,000
Released
£90,000 — drawdown facility, £500 per month

Read the dossier

Members only · Last reviewed 2026-09-13

Illustrative photograph for the scenario: Paying for care at home and adaptations
Paying for Care or Adaptations

Paying for care at home and adaptations

Douglas (79), living alone · Glasgow

Property
£395,000
Released
£70,000 — staged release for adaptations and care

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Members only · Last reviewed 2026-09-13

Illustrative photograph for the scenario: Debt consolidation using released equity
Debt Consolidation

Debt consolidation using released equity

Michael (69) & Carol (67), retired retailers · Kent

Property
£470,000
Released
£38,000 — lump sum consolidating unsecured borrowing

Read the dossier

Members only · Last reviewed 2026-09-13

Illustrative photograph for the scenario: Lifestyle expenditure and discretionary purchases
Lifestyle Expenditure

Lifestyle expenditure and discretionary purchases

Alan (71) & Patricia (70), retired engineers · Devon

Property
£560,000
Released
£30,000 — lump sum for a vehicle and travel

Read the dossier

Members only · Last reviewed 2026-09-13

Illustrative photograph for the scenario: Divorce or separation in later life
Divorce or Separation

Divorce or separation in later life

Angela (66), following settlement · Cheshire

Property
£540,000
Released
£150,000 — lump sum to buy out the former spouse

Read the dossier

Members only · Last reviewed 2026-09-13

Illustrative photograph for the scenario: Using equity release to help buy another home
Buying a New Property

Using equity release to help buy another home

Jean (74), relocating nearer family · York

Property
£330,000
Released
£120,000 — part-funding a bungalow purchase

Read the dossier

Members only · Last reviewed 2026-09-13

Illustrative photograph for the scenario: Releasing equity compared with downsizing
Downsizing Alternative

Releasing equity compared with downsizing

Margaret (77), considering a move · Shropshire

Property
£610,000
Released
Comparison: £100,000 release against downsizing

Read the dossier

Members only · Last reviewed 2026-09-13

Illustrative photograph for the scenario: Reserving a share of value for the family
Inheritance Protection

Reserving a share of value for the family

Case reference V-114, attorney-led enquiry · Leeds

Property
£420,000
Released
£60,000 — release deferred pending capacity review

Read the dossier

Members only · Last reviewed 2026-09-13

Illustrative photograph for the scenario: Couples with a significant age difference
Couples With Different Ages

Couples with a significant age difference

Eleanor (76), widow and retired nurse · Edinburgh

Property
£650,000
Released
£95,000 — £50,000 initial plus £45,000 reserve

Read the dossier

Members only · Last reviewed 2026-09-13

Illustrative photograph for the scenario: Health and lifestyle considerations
Health and Lifestyle Considerations

Health and lifestyle considerations

Alan (71) & Patricia (70), retired engineers · Devon

Property
£560,000
Released
£30,000 — lump sum for a vehicle and travel

Read the dossier

Members only · Last reviewed 2026-09-13

Illustrative photograph for the scenario: Complex property features
Complex Property

Complex property features

Robert (68), semi-retired consultant · Surrey

Property
£820,000
Released
£195,000 — lump sum lifetime mortgage

Read the dossier

Members only · Last reviewed 2026-09-13

Illustrative photograph for the scenario: Acting under a lasting power of attorney
Power of Attorney

Acting under a lasting power of attorney

Eleanor (76), widow and retired nurse · Edinburgh

Property
£650,000
Released
£95,000 — £50,000 initial plus £45,000 reserve

Read the dossier

Members only · Last reviewed 2026-09-13

EFEquity Fountain

Equity Release Intelligence for the UK & Crown Dependencies

The fountain of knowledge for equity release professionals. Equity Fountain is an information and professional-resource platform for appropriately authorised financial services professionals. It does not provide personalised financial advice.

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Equity FountainP O Box 8WilmslowCheshire SK9 5ESUnited KingdomCompany Registration No. 08753201VAT No. GB174 691576

Product availability, lending criteria, legal considerations and regulatory arrangements differ between England & Wales, Scotland, Jersey, Guernsey and the Isle of Man. Jurisdiction-specific requirements should be independently verified before reliance. Company registration in England and Wales does not mean Equity Fountain is regulated for services provided elsewhere.

Copyright © 2026 Maynard Procurement Solutions Ltd. All Rights Reserved. Equity Fountain is a trading name of Maynard Procurement Solutions Ltd, P O Box 8, Wilmslow, Cheshire SK9 5ES, United Kingdom. Company Registration No. 08753201. VAT No. GB174 691576.

Equity Fountain is registered in England and Wales under company number 08753201. Equity Fountain is not authorised or regulated by the Financial Conduct Authority and does not provide regulated financial advice. Information and tools provided through this website are for professional research, educational and informational purposes only. Product information, rates and criteria may change and should be independently verified before reliance.

Equity release will reduce the value of an estate and may affect entitlement to means-tested benefits. Product data shown is illustrative sample data pending a verified provider data load; provider documentation takes precedence where any discrepancy exists.