Jurisdiction knowledge centre
Local property law, legal process, succession and regulatory context. Product availability and criteria are held separately for each jurisdiction and are never substituted.
Regulator: Financial Conduct Authority
Equity release in England & Wales is a regulated mortgage activity; lifetime mortgage advice must be given by an FCA-authorised firm with the relevant permissions.
Jurisdiction guidance last verified 2026-09-13 · maintained by the Equity Fountain administrator, not generated automatically
Lifetime mortgages dominate the England & Wales market. Interest may be rolled up, serviced in full or partly repaid within a stated annual allowance. Advice must be given by an FCA-authorised firm holding the relevant permissions, and providers who are Equity Release Council members apply the Council's standards including a no-negative-equity guarantee.
Title is registered at HM Land Registry. Tenure may be freehold or leasehold, and leasehold cases require attention to unexpired term, ground rent and service charge. Property criteria vary by provider: construction type, flats and ex-local-authority stock, acreage, commercial use, flood risk, spray foam insulation and property condition are common decline reasons.
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