Our comprehensive Lifetime Mortgage advice

Find out more about the process and advice on offer at Fluent Money

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The Process

At Fluent Money, we have market-leading technology to help the application process progress smoothly, in the form of our MyFluent app. All members of our team are experts in equity release and will be able to find the right solution for you.

Our expert team is here to guide you through the equity release process as quickly and as easily as possible.

Initial no-obligation conversation

If you’re interested in a lifetime mortgage, one of our qualified Equity Release Advisers will find out about your individual circumstances and requirements, answer any questions you may have and give you all the information you need to make an informed decision on whether it’s right for you.

Call free on 0800 860 0024 to find out if you qualify.

Discuss with your family

It’s important to discuss your plans with your family as any decisions you make now could affect them later down the line; whether it’s a potential impact on their inheritance, or they have to take on the responsibility of the loan when your plan ends.

Searching the market

At your request, your adviser will conduct their research and compare all the plans available to find the one that suits your needs and circumstances.

Second conversation

Your dedicated adviser will present their recommendation to you and answer any questions you may have. They will also provide you with a personalised report to show the breakdown of your options.


If you decide to go ahead, Fluent will package your application with the chosen provider and an independent surveyor will be instructed to value your property.


The next stage is for the provider to issue an offer. This includes full terms and conditions for you to approve and sign.


An independent solicitor will cover the legal aspects for you.

Completion – Cash released

Typically, we estimate that the cash will be released in around 8-10 weeks from application to completion. The time to start enjoying yourself and doing all the things you’ve planned!

Find out how much you could release from your home

Thinking about a lifetime mortgage? Why not see how much you could borrow with our free calculator below.

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About your property

Your home’s estimated value


You must enter an estimated value

What is the mortgage balance left on your property?


You must enter a mortgage balance

Your Property Type *

Your postcode

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About you

First name

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Last name

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You must enter an age older than 55

Your email address

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Your phone number

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I can confirm I have read and understood the Data Protection & Your Privacy

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Calculating …

Calculate Now

Hello , based on your age of and property value* of £, you could release:



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Why choose Fluent Money?

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We’re 5 star TrustPilot rated
Find out what our customers say about us

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We’re friendly UK-based loan experts
You’ll be assigned a dedicated case manager to help deal with your application from beginning to end

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We’ll keep you in the picture
You can check your application and loan progress 24/7 with our industry-leading smartphone app

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We present you with options, not problems
Our many years’ experience means our friendly experts know how to find the right loan for you

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Want to find out more?

Download our free guide to understand more about lifetime mortgages and equity release.

Wondering if equity release might be right for you?

We know that releasing equity from your home is a big decision so our qualified advisers are here to answer any questions you may have and discuss if it might be right for you.

Fill out our contact form by clicking the button below, or give us a call on 0800 860 0024.