How It Works
A clear and simple journey to unlock the value of your home
After years of hard work, caring for others, and building your home, this stage of life is about comfort, freedom, and making choices that truly matter to you. This solution is designed to support that freedom — calmly, transparently, and at your own pace. Starting the process is easy and without obligation. Our role is to provide you with clear, honest information, so you can decide what feels right for you. This is how it works.
Request Your Loan
A simple first step, with no pressure
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You begin by requesting a loan online. This first step is straightforward and takes only a few minutes. We ask for your contact details and some basic information so we can understand your situation and guide you personally. Requesting a loan does not mean you are committing to anything. It simply allows us to explore whether SilverEquity may be able to support you. There are no complicated questions, no financial jargon, and no obligation to continue. This step is about opening a conversation — nothing more.
- No complicated questions
- No financial jargon
- No obligation: Requesting a loan does not mean you must accept it.
We Review Your Situation
A careful and responsible assessment
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Once your request is submitted, the next step is a financial screening. This screening helps us build a clear and accurate picture of your situation so we can assess whether a flexible mortgage solution is suitable for you. The screening looks at your age, the value of your home, and the location of your home. These factors help determine how much you may be able to borrow and which options may be available to you. To ensure independence and reliability, the screening report must be issued by one of the approved providers we accept: The Screening Company, Capita Screening, or CheckRight. These independent organizations provide trusted, objective reports that help protect you and support responsible decision-making. Applications with reports from other providers cannot be processed.
- Getting insight into your situation
- No pressure and no unnecessary complexity.
- Making sure the solution truly improves your life
- More freedom, more comfort, and more joy in everyday life.
- We take a responsible and thoughtful approach because trust and respect matter.
Your Options Are Presented
Clear insight into what may be possible
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If a flexible loan is suitable for you, we will present the available options in a clear and easy-to-understand way. You will see how much money you may be able to borrow, the terms associated with each option, and which financial providers may be involved, such as banks or pension funds. We take the time to explain everything in plain language. Many people find this structured overview to be a relief, as it brings clarity and removes uncertainty. There is no pressure to choose. This step is about understanding what is possible, so you can make a decision with confidence.
- How much money you could borrow
- Overview of the options with terms and conditions for each loan.
- Many people prefer this simplicity and structure to be a major relief.
- Which financial providers may be involved; such as banks, pension funds
Review Your Options Together
Take time. Talk with family. Decide together.
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We strongly encourage you to take time to review the options and discuss them with your family or trusted advisors. Your children or other close relatives can help you consider the choices, ask questions, and reflect on what feels right for you. This decision does not need to be rushed. We believe a good decision is an informed decision. Your family is there to assist, with trust, respect, clarity, and loving care.
- You gain a clearer sense of control
- There is no obligation to make a decision
- Your children or other close relatives can assist you
- You and your family can decide what feels right for you
- Our role is to empower you with information, not to pressure you
- We explain everything in plain language, so you can fully understand your choices
Your Choice, Your Pace
Support if you move forward, respect if you don’t
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If you decide to move forward, we will support you carefully and clearly through every next step. If you decide it’s not right for you, that is completely okay. We believe a good decision is an informed decision. Whether you proceed or not, our commitment remains the same: to treat you with respect, clarity, and care, and to help you feel confident in whatever choice you make.
- You gain a clearer sense of control
- There is no obligation to make a decision
- Your children or other close relatives can assist you
- You and your family can decide what feels right for you
- Our role is to empower you with information, not to pressure you
- We explain everything in plain language, so you can fully understand your choices
Why SilverEquity Works
SilverEquity works because it is built around one simple belief: your home should support your life, not limit it. After a lifetime of work, care, and responsibility, you deserve financial solutions that respect your independence, your choices, and your pace.
Many traditional financial products are not designed with seniors in mind. They can be complex, rushed, or difficult to understand. SilverEquity takes a different approach. We focus on clarity, transparency, and personal guidance, so you always know where you stand and what your options are. Nothing is hidden, and nothing is rushed.
What makes SilverEquity effective is the careful balance between opportunity and responsibility. We do not offer one standard solution for everyone. Instead, we take the time to understand your personal situation, your home, and your wishes. By looking at factors such as your age, the value of your home, and its location, we can responsibly assess what is possible — and just as importantly, what is not.
Independence is central to how SilverEquity works. You remain in your own home, and you remain in control of your decisions. The money you access can be used in a way that supports your lifestyle, whether that means greater comfort, meaningful experiences, helping family, or simply enjoying peace of mind. There is no obligation to use the funds immediately, or at all.
Trust is also built through independence. That is why key steps in the process, such as financial screening, are handled by approved third-party providers. This ensures objective assessments and protects you from taking on a solution that may not be in your best interest. It also means that every option we present is grounded in fairness and transparency.
SilverEquity works because it involves the people who matter to you. We encourage open conversations with family and trusted advisors, knowing that shared understanding leads to better decisions. There is no pressure to proceed, no urgency, and no expectation that this solution must be right for everyone.
Most importantly, SilverEquity works because it puts dignity first. If you choose to move forward, we guide you carefully every step of the way. If you choose not to, that decision is respected without question. Our role is not to convince you, but to inform you — clearly, honestly, and with care.
SilverEquity is not about taking on debt. It is about creating options, reducing worry, and allowing your home to support a life that feels comfortable, meaningful, and truly your own.