Who offers home reversion plans? Only a small number of UK firms; well-known lenders such as Legal & General and Aviva offer lifetime mortgages instead.
A home reversion plan is the less common kind of equity release: you sell all or part of your home to a provider instead of borrowing against it. Fewer firms sell it than sell lifetime mortgages, and the list changes, so this page sets out what the firms themselves say, where to look and what to compare. The short form on this page brings a free call-back about your own home from a qualified equity release adviser. The background is in how equity release works in the UK.
Who offers home reversion plans in the UK today?
Only a small number, going by what firms in the market say. A guide on Royal London's website, published on 14 June 2026, says home reversion plans "are now available from only a small number of providers", and adds that its own equity release advisers do not consider them.
Two well-known equity release lenders make clear they sell lifetime mortgages, not reversion. Legal & General's guide of 3 March 2026 says lifetime mortgages make up most of the equity release market and, of home reversion plans, "We don’t offer them". Aviva's equity release page (read on 21 October 2026) says "The type of equity release we offer is a lifetime mortgage". The FCA's rules recognise the split: an adviser firm dealing in just one of the two must tell you, in its disclosure, that its product range is limited.
If you already have a plan, the firm running it may not be the one that sold it. Retirement Bridge describes its group as "the UK’s biggest administrator of Home Reversion Plans" and says it manages around 1,200 plans, including some first sold by Bridgewater, Norwich Union, Aviva, Home and Capital, Sovereign and Hodge, among others. Its website lists the group's companies so that holders can check whether their plan is one of them. Which firms are taking new reversion cases this month is a question a qualified equity release adviser can answer free once you fill in the form.
Where a firm's website explains reversion, treat that as explanation, not proof that it sells the plans today. Look for the plan itself, its key facts and its terms, and see what a home reversion plan is if the product is new to you.
Using the Equity Release Council's member directory
The Equity Release Council's members' directory lets you search by member type, with Providers one of the choices alongside Advisers and Solicitors. The Council describes the directory as a way to "find a qualified and regulated equity release adviser or other professional to benefit from our product safeguards". The directory is a search tool, so it will show you current members more reliably than a printed list can.
Two limits apply. Membership does not tell you which products a firm sells, so a provider listed there may offer only lifetime mortgages. And the Council's standards are rules its members follow, not law. For a home reversion plan only two of the Council's product standards apply: a right to stay in your home for life, or until a permanent move into care (on condition that it remains your main residence and the plan's terms are kept), and an option to move, under which moving to a suitable home must bring the offer of a new plan on terms at least as good as new customers are given, though the provider member may charge reasonable costs for it. The Council's standards are covered separately.
How to check a home reversion provider is FCA-authorised
The Financial Conduct Authority regulates home reversion plans, as the Council's own guide points out. The FCA's glossary defines one as an arrangement where a reversion provider "buys all or part of a qualifying interest in land from an individual or trustees", and its rules require any communication to call it a "home reversion plan" and use no other expression, so be wary of a firm that describes a sale of your home in vaguer terms (are home reversion plans regulated?).
To check a firm, use the FCA's Firm Checker, which the FCA says lets you check that a firm is authorised and "has our permission to provide the services you want". Being on the Financial Services Register is not enough by itself: look at what the entry says the firm may do, and confirm it covers home reversion rather than only other mortgages or insurance. The Register also lists appointed representatives, who act for a principal firm, and the FCA says to check with the principal about "the products and services it can offer". The same checks apply to the adviser you speak to, as finding and checking an equity release adviser explains.
What to compare between home reversion providers
Put the same questions to each provider, in writing, using the figures for your own home and age.
- The share bought against the cash paid. Royal London's guide says you "should expect to receive less than the actual value of the portion you are selling", and the Council says the price takes your age and health into account. Ask each provider for the share it would buy and the sum it would pay for it, so the two numbers can be compared directly (how much a home reversion plan pays).
- The lifetime lease. The Council describes a lifetime lease with the right to stay rent-free for life, yet Legal & General warns you "might even have to pay rent to your provider". Ask whether rent is charged and what the lease requires of you on upkeep and insurance; your own solicitor will go through it with you.
- The share you keep. The Council says the percentage you retain stays the same whatever happens to property values, unless you take further cash releases, and that a reversion shows what has been ring-fenced to leave in a will. Check how each plan treats further releases.
- Moving home. Ask what the provider counts as a suitable property, and what it would charge to set up the new plan.
- Who is eligible. Each provider sets its own eligibility criteria, so what one firm accepts another may not.
Whatever the provider, selling part of your home leaves a smaller estate, and the solicitor's certificate the Council requires covers the risk that benefits you are entitled to, now or later, may be reduced (equity release and benefits). A lifetime mortgage avoids the sale but its interest usually rolls up over time, and ending either kind early can be costly (how equity release works; home reversion compared with a lifetime mortgage).
Questions people ask about home reversion providers
Is a home reversion provider the same as a lender?
No. A reversion provider buys all or part of your home rather than lending against it. That is why the FCA's glossary uses "reversion provider" for the buyer, and why equity release is not a loan in the way a mortgage is.
What if my adviser only covers lifetime mortgages?
The FCA's rules say such a firm must tell you it is limited. If reversion might suit you, ask for an adviser who covers both, and note that the advisers guide lists questions to ask.
Can I get a home reversion plan quote?
Yes, but it comes from a provider through an adviser, and it turns on your age, health and home, so no page can work it out in advance (getting an equity release quote). A qualified equity release adviser can say what might be possible for your property; send your details through the enquiry form and one will ring you back.
Do I need a solicitor for a home reversion plan?
Yes. The Council's standards say you must get independent legal advice when first taking out equity release (the solicitor's role). If your home is in Scotland, the solicitor who signs the Council's certificate can be at a firm regulated by the Law Society of Scotland.
Does the Equity Release Council list every provider?
No, it lists its own members, so check the FCA Register too for any firm you are considering.
Next step
Whether a reversion plan is available to you, and from whom, depends on your age, your home and your plans for the estate. If you want that looked at for your own home, leave your number in the call-back form here; a qualified equity release adviser then rings you to talk it through. Your own solicitor's advice comes before anything is signed.
Sources: Equity Release Council, Home Reversion, Members Directory and The Standards; FCA, Handbook glossary, MCOB 3A.2, MCOB 8, Firm Checker and Financial Services Register; Retirement Bridge, About us and Group Companies; Royal London; Legal & General; Aviva.