Is Age Partnership good for equity release? By its own account it advises on lifetime mortgages only, with a £1,995 fee if a case completes.
Whether a firm is "good" depends on your home, your age and what you want the money for, so this page does not score Age Partnership. It sets out the firm's own statements, read on 26 October 2026, and where to check them. The form on this page takes contact details only; an FCA-authorised adviser trained in equity release then phones you, and the call costs nothing.
What does Age Partnership say it does?
Age Partnership describes itself as retirement specialists. Its history page says it was founded in 2004 and began with equity release advice over the phone; it now also lists later life mortgages, pension income, home insurance and lasting power of attorney services. On equity release it says it will "advise on lifetime mortgages only", so a home reversion plan is not something it advises on. The two types of equity release are set out separately.
The firm says that to take out equity release "you must own your own home and the youngest homeowner must be aged 55 or older", and that the home needs to be "worth a minimum of £70,000". An existing mortgage must be paid off as part of the process. Existing customers are offered free annual reviews of an equity release plan or mortgage. Rules differ between lenders; equity release explained covers the general position.
How does Age Partnership charge for equity release advice?
The firm's service and cost page says it will "provide initial advice for free and without obligation". Its charge is then tied to completion: "only if your case completes would our advice fee of £1,995" is payable, and the firm says the fee is the same for a standard mortgage, a retirement mortgage or equity release. That is Age Partnership's published fee on the date above; it is not a market figure and can change.
Lender and solicitor fees may apply on top, and Age Partnership says it will send "a full written breakdown of the costs involved" with its recommendation. Ask any adviser, Age Partnership included, to put every way they are paid in writing, and see equity release fees for the other costs.
Which lenders does Age Partnership name?
It says: "We work with a panel of lifetime mortgage providers, including Aviva, Pure Retirement, Canada Life and Just." For standard repayment and retirement interest-only mortgages it says it works "exclusively with LiveMore". Whichever adviser you use, ask which lenders were considered for you and why a plan was or was not recommended. Individual lenders are covered on these pages:
Rates belong to a specific plan and appear in the personalised illustration, which is why no interest rate is quoted here; how equity release rates work explains why.
What can you check about Age Partnership's regulation?
Age Partnership's list of companies says: "Age Partnership Limited is authorised and regulated by the Financial Conduct Authority. FCA registered number 425432." That is the firm's statement. The FCA register, searchable by firm name or number, is where status, permissions and trading names are confirmed, and it should be read on the day you check.
On the Equity Release Council the firm says it is "proud to be a member" and "If we recommend equity release, the plans meet the standards of the Equity Release Council." Membership of the Council is checked in its members directory, where advisers are a listed member type. Those standards are what Council members follow; they are not law, and the Council's standards are explained in full elsewhere. Equity release advisers explains how to check any adviser.
Awards and reviews: what the firm cites
Its Who we are page says Investor in Customers gave it a Gold accreditation in 2025, the 12th year it has held one. Review scores and counts change often and sit with the organisations that publish them, so none is repeated here. Comparing equity release providers sets out what a fair comparison needs, and Key Later Life Finance has its own page.
Before you choose any equity release adviser
Whichever firm you use, the trade-offs do not change: interest usually rolls up on the loan until the plan ends, what you leave to family shrinks, money released may reduce entitlement to means-tested help, and paying off early can bring an early repayment charge (all covered in how equity release works). Independent legal advice is also part of the process, and Age Partnership says you "will need to instruct an independent solicitor to act on your behalf"; see the solicitor's role and equity release and benefits. In Scotland a standard security is used rather than a mortgage charge. Before choosing anyone, weigh what a lifetime mortgage would mean for your house, savings and heirs; for a returned call, without charge, from a qualified equity release adviser, this page's brief contact form is the way in.
Smaller questions about Age Partnership
How does Age Partnership describe its own role?
Its own pages talk about advice, a "dedicated advisor" and a written recommendation, and about a panel of lenders. What its permissions allow is shown by its FCA register entry.
What does the Age Partnership equity calculator ask for?
The calculator on its home page asks for the home's approximate value, what is left on any mortgage, the age of the youngest homeowner and an email address; the version on its equity release pages also asks for annual household income before tax. The result is an estimate; an adviser's recommendation is what sets out a real plan.
What happens to the plan if my partner dies?
It depends on the plan and on whether you are joint borrowers; what happens to equity release when you die sets out the general position. Joint plans differ on what follows the death of one borrower, and on the free call the adviser can walk you through how yours would run.
Can I use Age Partnership if I already have a plan?
The firm says it offers reviews of existing plans. Whether switching suits you depends on the early repayment charge and the new terms, which an adviser can set out.