Data · dataset · 2026
The future of equity release schemes in the UK
Listed in ZivaHub and Deakin Research Online and DMU Figshare — shown once because both records carry DOI 10.17034/32634411.v1
This thesis investigates equity release schemes, a line of financial products developed for homeowners of 55 years of age and above for the purposes of withdrawing home equity.
Description
Typically, an equity release borrower is able to borrow against the value of the house while living in it and without having to make regular repayments.<br><br>In recent years, policymakers have promoted housing wealth as a means for supplementing retirement incomes and paying for old age care costs as pensions become less generous and society rapidly ages.
The House of Lords Ready for Ageing (Lords, 2013) report concluded pension savings in the UK was inadequate and that the Government should encourage pensioners to use their housing wealth to help pay for the cost of their social care and to release money to adapt their homes and to support their incomes. The commission recommended that the UK government should work with the financial services to encourage the attractiveness of equity release schemes.
Read the rest (2 more)
Earlier, the Report of the Commission on Funding of Care and Support (Dilnot et al., 2011) highlighted that housing-linked financial products such as equity release schemes are likely to support the elderly in contributing towards their care cost. High rates of elderly homeownership, high house prices particularly in London and the South East and developed financial systems in the UK provide a strong basis for the development of a market that supports housing equity withdrawal in later life.
However, the UK equity release market is not as developed as it should be despite its long existence with limited product uptake. This thesis explores demand and supply issues relating to equity release products and suggests future policy implications.
Links
Where it is published
- DOI doi.org/10.17034/32634411.v1 ↗
DOI / persistent id · from zivahub uct ac za
Catalogue records · 1
- OAI-PMH record api.figshare.com/v2/oai?verb=GetRecord&metadataPrefix=oai_dc&identifier=oai%3Af… ↗
metadata API · from zivahub uct ac za
Topics
Provenance · 3 source records, 7 field assertions
| Source | Key | Last seen | Raw |
|---|---|---|---|
| ZivaHub | oai:figshare.com:article/32634411 | 11 d ago | JSON v1 |
| Deakin Research Online | oai:figshare.com:article/32634411 | 11 d ago | JSON v1 |
| DMU Figshare | oai:figshare.com:article/32634411 | 11 d ago | JSON v1 |
| Field | Assertion | Extractor | Evidence |
|---|---|---|---|
| concepts[field].local:field:earth-environmental | mapping · zivahub uct ac za | connector:zivahub_uct_ac_za@1.0.0 | |
| concepts[field].local:field:earth-environmental | mapping · figshare dmu ac uk | connector:figshare_dmu_ac_uk@1.0.0 | |
| concepts[field].local:field:earth-environmental | mapping · dro deakin edu au | connector:dro_deakin_edu_au@1.0.0 | |
| description | source · zivahub uct ac za | connector:zivahub_uct_ac_za@1.0.0 | /metadata/dc/description |
| license_text | source · zivahub uct ac za | connector:zivahub_uct_ac_za@1.0.0 | |
| publication_date | source · zivahub uct ac za | connector:zivahub_uct_ac_za@1.0.0 | |
| title | source · zivahub uct ac za | connector:zivahub_uct_ac_za@1.0.0 | /metadata/dc/title |