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Equity release

Unlock some of the value of your home and turn it into tax-free cash.

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Important information about Saga Equity Release

Provided by HUB Financial Solutions Limited.

What costs are involved with Saga Equity Release?

Advice fees - Saga Equity Release is a no-obligation, no-pressure service dedicated to finding out if equity release is right for you. The product available through Saga Equity Release is the Saga Lifetime Mortgage, provided by Just. You’ll only need to pay an advice fee of £799 if you decide to proceed and take out a Saga Lifetime Mortgage. A lifetime mortgage is a type of loan secured against your home and will reduce the value of your estate and your entitlement to state benefits may be affected.
Saga Lifetime Mortgage features - Some of the features of the exclusive Saga Lifetime Mortgage are subject to terms and conditions. Please make sure you are aware of them and if you have any questions the Saga Equity Release team will be happy to answer them. Details of how to get in touch can be found on our contact us page.
Specialist report - If a specialist report is required by Just, you will need to cover the cost of this. This type of report is usually only required if the property valuer has any concerns about damp, surrounding trees or the structure of the property.
Solicitor/Legal fees - As with all mortgages, you will need a solicitor. They will provide you with independent advice and carry out the necessary legal work required. Fees vary depending on the amount of legal work required. You may be able to find a solicitor offering a fixed fee service. On average you can expect to pay around £750 for their services.
Set-up and valuation fees - With the Saga Lifetime Mortgage there are no product set-up or valuation fees to worry about.

Want to know how much you could release?

Use Saga's FREE lifetime mortgage calculator to get an instant estimate of just how much cash you could release from your property.

Use our calculator

Fancy a free equity release guide?

The team at Saga Equity Release have written a guide to help you decide whether equity release is right for you. Request yours now.

Request a guide

Who is involved

Saga Equity Release - Taking out equity release is a big decision but the impact could be life-changing. We can’t stress enough the importance of considering all the facts, knowing how much equity release could cost and getting specialist, no-obligation advice from a source you can trust. That’s why Saga have chosen HUB Financial Solutions Limited to provide Saga Equity Release.
HUB Financial Solutions Limited - HUB Financial Solutions Limited is committed to finding the right financial solution for people approaching, or in, retirement. With Saga Equity Release, our no-obligation, no-pressure service you’ll have access to a UK-based qualified adviser and support team, who will advise you on the options that best suit your circumstances. HUB Financial Solutions Limited, part of Just Group plc, is authorised and regulated by the Financial Conduct Authority. HUB Financial Solutions Limited will pay Saga an introductory fee if you do decide to take out a product.
Just - Just are a leading provider of lifetime mortgages and have helped their customers release more than £6.5bn from their properties. Just has developed an exclusive product for Saga Equity Release customers: the Saga Lifetime Mortgage. If this is recommended to you and you decide to proceed, you won't pay any set-up or valuation fees. Just is a trading name of Just Retirement Money Limited. Just Retirement Money Limited, part of Just Group plc, is authorised and regulated by the Financial Conduct Authority.
Saga Personal Finance - We’ve been serving the personal finance needs of the over 50s for more than 20 years, in which time we’ve helped develop a range of products to help you make the most of your money. Saga Personal Finance is a registered trading name of Saga Personal Finance Limited, which is registered in England and Wales (Company No. 3023493). Registered office: 3 Pancras Square, London N1C 4AG. Saga Personal Finance Limited is authorised and regulated by the Financial Conduct Authority.