Free up cash from your home with equity release.

Equity release is available to homeowners aged 55 and over to release tax-free cash from the value of their home. Both age and health help to determine the amount you’ll be able to borrow.

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Here's how we can help


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Putting You First

We can tell you whether equity release is the best option for you and guide you through the process.

Professional and Personal Service

We’ll get to know your goals and needs well and offer you bespoke advice and solutions.

We recommend you seek independent financial guidance before committing to an equity release product.

We can put you in touch with a reputable financial advice firm if you need. To qualify for equity release, you must own your property and any mortgage must be cleared as part of the loan. The value of your property will be the determining factor in the amount you can borrow since your home’s value is what is being used as security for the loan.

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Freeing up cash without having to move home.

It’s our down-to-earth and dynamic approach that sets us apart from other firms. Regardless of the reason why you want to release equity from your property, whether you want to clear your debts, make home improvements, go on a trip overseas or help family or friends, our equity release specialists will provide a solution tailored to you, on time and within budget.

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Multi-Award-Winning: Our team has won several national legal awards for our commitment to our clients and our legal work.

Experienced: We have a long history of helping people with equity release advice and support all over Scotland.

Expertise: Equity release is a specialist undertaking, which should be carried out with expert legal advice. We can help.

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Know your options

Equity Release can be done in two different ways, with options to suit your needs:

a lifetime mortgage:

Where a loan is secured against your property with no monthly repayments to make. Interest is added to the loan and the full amount is paid back when your property is eventually sold following death or if you move into long-term care.

a home reversion plan:

Involves the sale of your property or part of it to a home reversion scheme company in exchange for a lump sum, but you remain living in your property until your death or until you move into long-term care. This money is not a loan, and you don’t pay interest on it. Where you’ve sold only part of the property then you and the home reversion scheme company share in any uplift in the value of your property when it’s sold.

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Unsure about your options and need some advice?

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Frequently Asked Questions

We can help every step of the way.

There are many reasons why people choose to release equity from their home. The most common reasons for doing so include: improving or maintaining a certain standard of living, making home improvements, repaying debts, helping family members, for example, to buy a property, visiting family abroad or fund care in your property where you don’t wish to move to a care home.

Many retired people today find themselves asset-rich but cash poor. After many years of working to pay off your mortgage, you may find you don’t have enough money to support yourself. In many cases, pensions are not providing the income in retirement that was expected, but the property owned by retired people has grown significantly in value over the years. Equity release can be a useful means of freeing up cash without having to move home.

Yes you can. The money you release from your home can be used to pay for care home fees, in-home care or other care-related costs. You can also use it to adapt your home for care, such as installing a walk-in shower or chair lift.

This is dependent on the product and provider however typically between 8-12 weeks.

Releasing equity from your home is a big decision, and there are some important elements you should consider and discuss with property professionals before making this decision. Equity release may be more expensive than taking out an ordinary mortgage, and you may be charged a larger interest rate if you take out a lifetime mortgage. There is also no ‘fixed term’ for lifetime mortgages and no date by which you’re expected to repay your loan, but the rate of interest will stay the same throughout your contract. Similarly, you should understand that home reversion equity release plans will usually not provide you with the same value as your home would fetch on the open market.

Equity release schemes can be tricky to unravel if you change your mind, and that’s why we always want you to be sure it’s the right option for you. Our specialist equity release professionals will explain everything to you clearly and concisely – we’ll never use legal jargon to confuse you. We want you to feel confident you’re making the right decision for your future.


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Find the right solution

Our helpful team are on hand to answer your questions

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