Over 55? Looking to fund new important plans?


We're dedicated to providing free thinking financial solutions to the over 55s. Helping you...

If you have important plans to finance

If you would like to do more in retirement


Have you already decided how you’ll fund your plans?

Check your other options.

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Are you still weighing up your funding options?

Understand all the ways to fund your spending.

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Confused about all the options and need more help?

Create your options shortlist.

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I’m already receiving a pension. Tell me more


I’m close to retirement, thinking about how I take my pension benefits. Tell me more


I have plenty of equity in my home. Tell me more



free2 treated me like an individual throughout. I’d recommend them unreservedly.

Mr H, Aged 62 from Sheffield

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free2 have made me feel secure in my home, I feel like a different person today now my finances have been sorted, and will recommend free2 without hesitation.

Mrs W, Aged 62 from Bromley

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Already receiving a pension?


The ability to withdraw a lump sum from your pension will depend on the type of pension you receive. You’ll also need to consider the impact of taking out money from your retirement pot on your future income, so how do you fund that lump sum you need?

free2 offers the Over 55s Unsecured Loan. You could borrow from £15,000 to £150,000 and depending on your age, repay the loan over a period of 5 to 20 years. And you do not use your property as security. We take all your income into account, work out what’s affordable over the period of the loan, then show you your options.

Find out how much you could borrow? 

Use our loan calculator


Thinking about how you take your pension benefits

Do you take the tax-free cash to fund your big plans?
Are you happy to give up some of your guaranteed pension payable for the rest of your life?
Should you use your savings?

free2 can arrange for you to speak to a Pensions Advice Expert from our partners at the AIR Group - you’ll get a free initial consultation to explore all the options.

Book a free consultation


Do you have plenty of equity in your home?

You may have more limited income and don’t want to downsize to create a lump sum to fund your plans. So, what are the options?​

Releasing equity in your home is another way, which is extremely popular for people in this position. It's important to understand that your home will be mortgaged and is usually sold after your passing to repay the outstanding debt, with your estate receiving the balance.​

 We’ll introduce you to an equity release expert who’ll help you find the best deal that’s right for you, with a choice of products from leading lenders or, if preferred across the whole market. They are FCA registered and will explore all other options alongside equity release. The service starts with a free initial consultation. If you proceed, an advice fee is payable and this will be explained in full before you are under any obligation.

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What do we do?

We help you keep your equity

The Over 55s Unsecured Loan

A new way to borrow if you're over 55 and want a larger loan, without using your home as security.

Explore the benefits.

We find you a great deal to

release your equity

If you prefer minimal or no repayments, you can release some of the equity in your home. Your equity release specialist will help you find you the best deal from a panel of leading lenders, or the whole market.

Find out more.


We help you plan your retirement benefits

Are you close to retirement? If you need help deciding how to take your pension benefits, or manage your pension drawdown, your Independent Pension Adviser will help you make the right decisions.

Find out more.


Keep your equity - The Over 55s Unsecured Loan



Your home is not used as security for the loan.


Borrow more

Provided it's affordable, you can borrow up to £150,000 over a maximum of 20 years. Loans must be repaid by your 75th birthday.


Peace of mind

Any outstanding loan will be wiped off if you die before it is fully repaid – so no debt for your loved ones.


Rates are fixed for the entire loan repayment period and if you want to clear your balance early, you won’t be charged a fee.

Loan calculator


Why consider The Equity Release Advice Service?



Your home is used as security, which means there is usually an amount owing by your estate after you have passed away.


A choice of borrowing options

Equity release is attractive to people who want to pay minimal or no monthly repayments. Your financial adviser will find the right options for you and your family.

Expert financial advice

Your financial adviser will also search for the best deals from a panel of leading lenders , or if preferred, across the whole equity release market.

Borrowing limits

Provided your property is worth at least £70,000, you can borrow up to 25% of its value.

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Specialist Pensions Advice


Independent financial advice

Your financial adviser will consider your options with access to all products in the market.


Tailored to your circumstances

One size does not fit all: your adviser will formulate a retirement plan to meet your needs and ambitions in retirement.


Specialist advisers

All our partners are trained to the highest levels and we’ll only choose advisers who specialise in pensions and later life financial planning.

Have confidence in your retirement

Your plan will consider all types of pensions and available income sources to match your needs, and it starts with a free initial consultation.

Book a free consultation


free2 story

We aim to help people achieve more from life over 55. To do that, we plan to develop a wider range of bespoke financial solutions especially for them.
Our commitment is to use our fintech heritage and expertise to improve our customer service, enhance our efficiency and increase the attractiveness of our carefully designed products and services.


Read more

Reasons to borrow

Look after your parents
Help your children
Add value to your home
Bring forward your plans

Read the important information about each of our services