Planning for the future goes beyond securing your own retirement—it’s also about ensuring your loved ones are taken care of. When considering equity release inheritance in Brighton, many homeowners are understandably concerned about the legacy they will leave behind.

At Conran Mortgages, we help you access the value tied up in your home while making informed decisions about your family’s future. Whether you want to help a loved one with a deposit through tax-free gifting, reduce potential IHT liability, or enjoy more financial freedom in later life, we’ll guide you with expertise and care.

To speak with a local equity release adviser, call us on 020 8528 2251 or email hello@conranmortgages.co.uk.

“Equity release doesn’t mean sacrificing your legacy. With careful planning, you can enjoy retirement and still leave a meaningful inheritance for your family in Brighton.”

How Equity Release Affects Inheritance Planning

Equity release, particularly lifetime mortgages, allows you to borrow against your property while continuing to live in it. The loan and accrued interest are typically repaid from the sale of the home when you pass away or enter long-term care.

For homeowners planning to leave behind a financial legacy, this naturally raises concerns. Releasing equity can reduce the value of your estate, which may in turn lower the amount your beneficiaries inherit. However, with the right advice, you can explore options to protect inheritance through equity release in Brighton.

How To Protect Your Family’s Inheritance

Preserving your estate for future generations is possible, even when using equity release. These strategies can help you balance personal needs with long-term family goals:

Use Inheritance Protection Guarantees

Some equity release plans allow you to protect a percentage of your property’s future value. This ensures that part of your home’s worth is reserved for your loved ones, no matter how much interest accrues over time.

Release Funds Gradually With Drawdowns

Drawdown lifetime mortgages let you access smaller amounts over time, reducing interest accumulation. By only borrowing what you need when you need it, you can help preserve more of your home’s value for your family.

Apply Jointly With Your Spouse Or Partner

A joint application delays the repayment of the equity release loan until the last surviving applicant dies or moves into care. This often allows more time for the estate to grow in value, potentially increasing the final inheritance.

These are just a few of the ways our clients manage equity release wisely. Our tailored approach includes a detailed review of your personal circumstances and goals, with a focus on Brighton legacy advice that keeps your family’s future at the forefront.

Reduce Inheritance Tax With Tax-Free Gifting

One key benefit of equity release is the ability to gift money during your lifetime. These gifts—often to help children purchase a home or support grandchildren through education—can be both financially helpful and emotionally fulfilling.

Under current HMRC rules, if you live for seven years after making a gift, that amount becomes exempt from inheritance tax (IHT). This makes equity release an effective estate planning tool when combined with expert advice.

By gifting funds early using equity release, you reduce the value of your estate and the IHT liability, while enjoying the satisfaction of supporting your family now. We regularly advise clients who want to use tax-free gifting as part of their broader family wealth strategy.

Engage Your Family In The Planning Process

Equity release is a personal financial decision, but it affects your family too. Open and honest conversations with your loved ones can prevent confusion or misunderstandings later. It’s important to share your reasons, your expectations, and your long-term intentions.

At Conran Mortgages, we encourage clients to include their children or beneficiaries in the equity release consultation. Our family-friendly equity release advice in Brighton ensures that your decisions are transparent, informed, and aligned with your family values.

We also work with solicitors, wealth planners, and estate professionals to ensure that your choices are legally sound and tax-efficient.

What Happens To Your Home?

With equity release, you continue to own your home and have the legal right to live in it for the rest of your life. When the time comes, the home is sold to repay the loan.

If there’s any equity remaining after repayment, this will go to your beneficiaries. If your family wants to keep the property, they may choose to repay the loan themselves.

We understand that many myths persist about equity release, especially relating to homeownership and inheritance. For clarity, we recommend reading our related article: Equity Release Myths Debunked for Brighton Retirees, which tackles common concerns head-on.

Local, Trusted Support From Conran Mortgages

Our team at Conran Mortgages has worked with many homeowners across Brighton to use equity release as a positive financial solution. We provide bespoke advice tailored to your goals, whether that’s improving retirement income or preserving your legacy.

When you work with us, you benefit from:

• Access to leading lifetime mortgage providers
• Transparent advice with no jargon
• Planning strategies to reduce IHT and preserve inheritance
• A local adviser who understands your needs and priorities

We approach equity release with both care and confidence—because we know it’s about more than just money. It’s about your legacy.

FAQs About Equity Release And Inheritance In Brighton

Can I Still Leave An Inheritance If I Use Equity Release?

Yes, there are ways to safeguard part of your property’s value through inheritance protection or drawdowns. We’ll help you explore the right options for your situation.

Will Equity Release Affect My Inheritance Tax?

Equity release can lower the value of your estate, reducing your IHT liability. Additionally, you can use the funds for tax-free gifting, further managing your estate’s tax exposure.

Will My Family Lose The Home?

Not automatically. Your family can choose to repay the loan and retain the property, or allow it to be sold. We help clients plan for either outcome in advance.

Speak With Brighton’s Equity Release Experts

If you’re ready to explore how equity release can benefit both your lifestyle and your legacy, we’re here to help. At Conran Mortgages, we take the time to understand your needs, provide honest guidance, and build plans that reflect your family’s future.

We’ll help you navigate the process of equity release inheritance in Brighton with compassion, clarity, and confidence.

Call us today on 020 8528 2251 or email hello@conranmortgages.co.uk to book your no-obligation consultation.

.