Raising a lump sum

over 55?


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

Copy of Untitled (20)

Compare our free thinking options

Keep your equity

The Over 55s Unsecured Loan

  • Because you don’t want to use your home as security
  • You must have spare guaranteed pension income from an annuity or final salary pension, which you can afford to give up
  • If you pass away before it's fully repaid, the loan is written off
  • Borrow from £15,000 to £150,000 over terms from 5 to 20 years
  • For homeowners (with or without a mortgage) aged 55 to 70
  • Non advised, online application. After application acceptance, funds are usually available within 2 working days 

Loan calculator


We find you the best deal to 

release your equity

  • Your independent financial adviser will help secure the best equity release deal for you from across the whole market​
  • Your choice, because you don’t mind borrowing against your home ​
  • You prefer minimal or no repayments ​
  • You don’t mind reducing the value of your estate ​
  • If you own your own home and are aged 55 plus - no upper age limit ​
  • Fully advised service, from your initial consultation meeting, the completion and receipt of funds usually takes up to 8 weeks

Equity release calculator

Reasons to borrow

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

Important information

The Over 55s Unsecured Loan

free2 is a specialist credit broker working as an Authorised Representative with a single lender, RS Consumer Finance Limited
Unsecured loans for UK homeowners (with or without a mortgage)
Your home is not used as a security
You must be 55-70 with excess guaranteed pension income
Guaranteed pension income can be from an annuity or final salary pension
Borrowing cannot be for business purposes and we strongly advise people against borrowing to invest
A fee of £299 is added to your Loan only on completion. No early repayment penalties

free2 Equity Release Advice Service

free2 will introduce you to Money Advice & Planning Ltd. They'll provide independent equity release advice, always with your best interests at heart
Expert advice from experienced equity release advisers. They get to know you, your current circumstances and your wishes for the future
There's no fee for the initial consultation. If you choose to proceed with a recommended product, an advice fee of £595 is payable on completion
The Equity Release Advice Service is not limited to a small number of products and advisers will scour the whole market to find the product for you
No obligation. You can change your mind at any time, before completing