If you’re a homeowner in Brighton’s coastal areas, you may have seen your property value grow substantially over the years. This increase presents an excellent opportunity to access some of that wealth—without selling your home. At Conran Mortgages, we help homeowners explore the benefits of equity release Brighton properties, guiding them every step of the way.

Whether you own a seafront flat, a detached freehold home, or a modern leasehold apartment, equity release could give you the financial freedom to support your lifestyle, assist loved ones, or enjoy retirement more comfortably.

If you’d like expert, local advice, contact us today on 020 8528 2251 or email hello@conranmortgages.co.uk to speak to one of our friendly advisers.

“Unlock the value of your Brighton property with confidence. Our expert equity release advice is tailored to the coastal market and your long-term financial goals.”

What Is Equity Release?

Equity release allows homeowners over 55 to access tax-free cash tied up in their home. It provides a lump sum or regular payments while you continue living there. You do not have to move or sell the property.

The most common option is a lifetime mortgage. With this, you retain ownership of your home, and the loan is repaid when the property is sold—usually after you pass away or move into long-term care.

We make the process straightforward, ensuring you understand all your options and obligations from the beginning.

Why Equity Release Appeals To Brighton’s Coastal Homeowners

Brighton’s vibrant culture and stunning seafront location make it a highly desirable place to live. Homeowners within Brighton’s coastal property market often sit on a significant amount of equity due to strong price growth in recent years. This is especially true for owners of historic freehold homes and modern flats with sea views.

By unlocking coastal home equity in Brighton, you can enjoy your retirement, support family, or renovate your home—without selling or downsizing.

Which Property Types Are Eligible?

A wide range of property types are eligible for equity release. However, lenders will assess the property’s value, construction, and ownership type before making a decision.

Common eligible property types include:

• Detached and semi-detached freehold houses
• Purpose-built and converted leasehold flats (subject to lease terms)
• Bungalows and cottages
• Maisonettes and terraced homes

Lenders may require a minimum property value and prefer homes in good condition. If you’re unsure about house type eligibility in Brighton, our team can provide a detailed assessment and advice tailored to your circumstances.

House Value And Its Impact On Equity Release

Your home’s current house value directly affects how much equity you can release. Properties in Brighton’s coastal areas generally benefit from higher valuations, making them ideal candidates for equity release.

Lenders typically offer a percentage of your home’s value, which increases with age. The higher your property’s value, the more you could potentially access.

We recommend reading our in-depth article on How to Maximise Property Value Before Equity Release in Brighton, where we explore steps you can take to increase your home’s appeal to lenders.

Understanding Freehold Vs Leasehold In Brighton

The property landscape throughout Brighton includes both freehold and leasehold titles. Knowing the difference is vital for equity release.

Freehold means you own the building and the land it stands on. These are generally more favourable for equity release lenders.

Leasehold means you own the property for a fixed period under a lease, but not the land. Most flats fall into this category.

Lenders will consider leasehold homes if the lease has a sufficient number of years remaining—typically 75 years or more. If your lease is shorter, we may advise you on extending it before applying.

Why Choose Conran Mortgages For Equity Release?

We specialise in equity release advice, with a strong focus on the unique property market across Brighton. Our advisers combine technical expertise with a genuine understanding of local housing trends and lender expectations.

Here’s why clients trust us:

• Independent, whole-of-market advice
• Transparent and jargon-free communication
• A personalised approach to suit your needs
• Strong knowledge of Brighton property types and local valuations

We take pride in making equity release easy to understand—supporting you from the first conversation to final completion.

Reasons Homeowners Use Equity Release

There are many reasons people explore equity release, and every homeowner’s situation is different. Common motivations include:

• Boosting retirement income
• Paying off an existing mortgage
• Helping children or grandchildren with property deposits
• Funding home renovations or care needs
• Taking a dream holiday or upgrading lifestyle

Equity release is a flexible solution that allows you to stay in the home you love, especially if you’re settled within Brighton’s coastal communities.

Getting Started With Equity Release

If you’re considering equity release, we’ll start with a free consultation to assess your goals, home type, and eligibility. We’ll explain your options clearly, including any implications for your estate or benefits.

We help you:

• Understand your eligibility based on your house type in Brighton
• Get a realistic view of your home’s value
• Navigate freehold or leasehold ownership concerns
• Select the right product and lender for your needs
• Handle paperwork and legal processes

When you work with Conran Mortgages, you gain access to decades of financial expertise and local insight.

FAQs

Can I Apply For Equity Release On A Leasehold Flat?

Yes, provided your leasehold flat has a long lease (usually 75 years or more) and is in a condition acceptable to lenders. We can guide you through this and advise on lease extensions if needed.

Will I Still Own My Home?

With a lifetime mortgage—the most common type of equity release—you retain ownership of your home. The loan is only repaid when your property is sold after you pass away or move into long-term care.

What Happens If My Property Is Jointly Owned?

If you own your home jointly, both parties must agree to the equity release. The loan only becomes repayable after the last surviving borrower moves into care or passes away.

Is Brighton A Good Area For Equity Release?

Yes. Brighton’s strong property market, desirable coastal location, and diverse property types make it an excellent location for equity release. Demand remains high for freehold homes and leasehold flats, which helps maintain solid home values.

Ready To Explore Equity Release Options In Brighton?

If you’re considering equity release Brighton properties, now is a great time to explore your options. Brighton’s strong housing market, combined with rising retirement costs, means more homeowners are using equity release to take control of their financial future.

We’re here to answer your questions, assess your property, and provide tailored advice on coastal home equity in Brighton. Whether you need help understanding house type eligibility in Brighton or want a complete Brighton property guide, we’re only a call away.

Start your journey today—call 020 8528 2251 or email hello@conranmortgages.co.uk for a no-obligation consultation.