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


Keep your equity

The Over 55s Unsecured Loan

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

Explore the benefits.

We find you the best deal to

release your equity

If you prefer minimal or no repayments, you can release some of the equity in your home. Our independent advisers will find you the best deal.

Find out more.


Over 55s Unsecured Loan....why are we different?


Your home is not used as security for the loan.


Borrow more

Provided its 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

free2 will wipe off any outstanding loan if you die before it is fully repaid – so no debt for your loved ones.


Our rates are fixed for the entire loan repayment period and if you want to clear your balance early, we won’t charge you a fee.

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Equity release advice service…..why consider us?



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. We’ll find the right options for you and your family.

Independent financial advice

Your financial adviser will search for the best deals 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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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.


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How to get started?

The Over 55s Unsecured Loan

Step 1 : Check your eligibility via our loan calculator below
Step 2: Find out the monthly cost for the amount you want to borrow
Step 3: Register to start your application


Loan calculator

Equity Release Advice Service

Step 1 : Check how much equity you can release and the different loan options
Step 2: Arrange your free initial consultation
Step 3: If you wish to proceed then arrange your financial advice meeting


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, RoundShield Consumer Finance Limited (RSCF)
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