Equity Release Loans | Unlock Your Home’s Potential | Finco Capital

Your home is more than a place to live—it’s a significant financial asset. An Equity Release Loan enables you to access the wealth accumulated in your property without selling it. Whether for home renovations, investment opportunities, debt consolidation, or major purchases, Finco Capital helps you strategically tap into this resource to achieve your financial objectives.

As specialist mortgage brokers, we structure Equity Release Loans tailored to your unique circumstances. Collaborating with a broad panel of lenders, we find competitive solutions that enable you to leverage your property’s value wisely and efficiently.

What is an Equity Release Loan?

An Equity Release Loan, often through refinance or line of credit, lets you borrow against the available equity in your home.
Home Equity = (Current Market Value) – (Outstanding Mortgage Balance)
This loan can provide a lump sum or a flexible line of credit for varied uses—all while you continue to live in your home.

Common Uses for Equity Release

Home Renovations: Enhance living spaces and increase property value
Investment: Fund deposits on investment properties or other ventures
Debt Consolidation: Replace high-interest debts with a lower-rate loan
Major Purchases: Cover education, vehicles, or lifestyle expenses
Business Ventures: Support business growth or startups

The Finco Capital Advantage

Expert Equity Assessment: Accurate calculation of usable equity and borrowing capacity
Tailored Loan Solutions: Flexible loan structures—lump sum or line of credit—to suit your goals
Competitive Rates: Access to attractive interest rates through our lender panel
Strategic Guidance: Advice on loan structures, including principal & interest or interest-only options for cash flow management

Calculate Your Available Equity Book a Free Equity Assessment

Frequently Asked Questions

What is an Equity Release Loan and how does it work?

Borrow against your home equity. For example, with a property worth $800,000 and $300,000 owed, up to 80% of your equity is available as a lump sum or line of credit.

Who is eligible?

Eligibility requires adequate equity, stable income to service the loan, and good credit. Criteria vary by lender; we match you accordingly.

What can I use released equity for?

Applications span home improvements, investments, debt consolidation, education, or family support.

What are interest rates and repayment options?

Choose between fixed or variable rates; repayments can be principal and interest or interest-only for a period.

How long is the process?

Typically 4 to 8 weeks from application to settlement, including property valuation and financial document assessment.

Are there risks?

Equity release increases your secured debt. Understanding terms and manageable repayments is critical; our goal is strategic financial empowerment, not burden.

Disclaimer

This information is general and not legal, tax, or financial advice. Seek professional advice tailored to your situation. Loan terms, rates, and eligibility depend on lender criteria and credit approval. The amount of equity released is subject to lender assessments and valuation.