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equity release adviser
Equity Release
Mortgage pay-off, home improvements, school fees – equity release can enable all of these and so much more!
Around 200 customers a day choose equity release. In quarter two of 2025, over 14,000 new and returning customers unlocked £636 million in property wealth, as the equity release market continued its year-on-year growth.
How we work
Your equity release adviser, Nikki Pilling, will sit down with you and discuss your financial and family situation – as well as your ambitions for the future – in detail and in confidence. She will explore all of the options, and if equity release is not right for you, she will say so. Nikki is passionate about helping older people enjoy life more by harnessing the value of your property. She will return with the product or products that best suit you and your needs, discussing these in full. If you wish to go ahead, she will facilitate the completion of the required paperwork and procedures.
Many brokers will claim to offer ‘whole of market,’ but that may just mean that they offer every kind of product, but that they are all from the same lender. Independent means that we can offer every kind of product from every lender.
How we can help you
We can help you to fulfil your later life dreams. And we do this by helping you to navigate your way through the often-baffling world of equity release. We can’t lie – there are so many different sorts of products that the help of an experienced equity release adviser like Nikki is really essential.
Nikki is first and foremost an adviser, a helper. The last thing she sees herself as is a salesperson. It is all about understanding your exact situation and your real needs and ambitions.
Benefits
If you are asset-rich but cash-poor, then equity release is a great way to enable you to use your money right now. Equity release can be used in thousands of different ways, which can include:
- Paying off a mortgage or a debt
- Home improvements
- Helping children or grandchildren onto the property ladder
- Grandchildren’s school fees
- Moving home
- Adapting your existing home so that you can stay there
In these ways, and so many others, you get the benefit for your money now. You can see how it helps you and your family, rather than struggling now and not seeing its value as it’s just left in your will.
Why choose us
Sometimes it seems that there are almost as many financial advisors as there are financial products. Why should you choose us. We think there are many reasons of course, but among the most important are the following:
- We are truly independent and can access the whole of the market.
- We are advisers, not salespeople.
- We are transparent in our costs and fees.
- Our extraordinarily high rate of returning customers shows that people enjoy dealing with us.
This last is perhaps the most important. The proof of the pudding is in the eating. If we did not give our customers great service, they simply would not return.
Your mortgage and equity release team member
Nikki Pilling
Job Title
Nikki has been in financial services since 1997. She was in retail banking and got made redundant in 2018. She joined Dave at Compass in 2018, and then joined him at Protection and Investment in 2024. Since 2003, Nikki has specialised in Later Life Lending, including lifetime mortgages. She admits to being passionate about the difference that Later Life Lending can make to people’s lives. She has two boys, calls herself a football mum, and her favourite family member is Mabel, the fox-red labrador!
"I was living in one room, facing the prospect of having to move into a care home. Nikki showed me that I could release equity from my property to fund the improvements I would need to be able to move freely around my house – and to be able to stay here indefinitely. I cannot thank her enough."
FAQs
How old do I need to be for equity release?
You need to be at least 55 years old. There is no upper age limit. If you are approaching 55, and considering equity release, then now would be a great time to have an initial discussion with Nikki.
Do I get a lump sum or regular amounts?
It is entirely up to you. You can choose to receive your money either way. This will probably depend on what you are planning to do with the money.
Can I make repayments?
Yes, some products allow you to do so. This obviously reduces the amount of interest that the arrangement subsequently attracts. Speak to Nikki, and she will know which products allow this.
Does equity release have a regulatory body?
Yes, the Equity Release Council has a consumer charter that will protect your money and your rights. The Equity Release Council regulates all responsible equity release brokers.
Can I get into negative equity?
If your lender has signed up to the Equity Release Council’s consumer charter, that guarantees that this cannot happen, so you will not go into negative equity.
Your assets – your later life happiness
If releasing the equity from your property sounds like a sensible way to fulfil your later life ambitions, please contact Nikki today using the button below.
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