Product research
Lifetime Mortgage and Equity Release Product Research
A structured product database with recorded MER and AER, maximum LTV, minimum age, fees, ERC structure and property criteria — each with a source and verification date.
Product taxonomy
Search across drawdown, lump sum, interest-serviced, optional repayment and enhanced lifetime mortgages, home reversion, retirement interest only and specialist property lending, with feature tags such as inheritance protection, downsizing protection, portability and fixed ERC.
Criteria, not just headline rates
Recorded criteria include lease requirements, flat and construction criteria, ex-local-authority rules, acreage limits and flood-risk considerations, so a case can be screened before a provider is approached.
- MER, AER and rate effective date
- Maximum LTV with an age-banded table
- Minimum and maximum property value and advance
- Fees and early repayment charge structure
Frequently asked
Are the rates live?
Rates are the values recorded in the Equity Fountain database with the date each was verified. Provider documentation always takes precedence.
Do you rank products?
No. Equity Fountain does not label any product best, cheapest or most suitable. Results are neutral matches against the criteria you select.
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Find Equity Release Providers, Advisers and Products
Results show verified records that match the criteria you select. Equity Fountain does not rank, recommend or endorse any firm, adviser or product.
Information and software, not advice. Equity Fountain is not authorised or regulated by the Financial Conduct Authority and does not provide regulated financial, mortgage, equity-release, tax, legal or probate advice. It provides research tools, factual market information, modelling and educational resources for professional users. The subscribing adviser remains responsible for verification, suitability and client advice. Provider documentation takes precedence over anything shown here.