The Home for Life Plan is a simple way to move into a better home for less — without a mortgage, rent or interest payments. Instead of buying the property outright, you secure the legal right to live there for life through a Lifetime Lease. It’s built around your age, budget and the home you want, so the amount you pay is always less than the market price.

To find out more about the Home for Life Plan in detail, visit the 'Home for Life Plan' page on our website.

No — you own the legal right to live there for life, protected by a Lifetime Lease registered with the Land Registry. The property itself is owned by Homewise or one of our long-term investment partners. But it’s still your home: you choose it, you live in it, you decorate it, and no one can ask you to leave.

No. It’s not a loan, a mortgage, or equity release, and it can’t be applied to a property you already own. There’s no interest, no monthly repayments and no debt building up. You pay a one-off amount to secure the right to live in your chosen home for life — nothing to repay later.

A Lifetime Lease is a legally binding agreement, registered at the Land Registry, that gives you the right to live in your chosen home — rent-free and mortgage-free — for the rest of your life. It’s the legal foundation of every Home for Life Plan.

Anyone aged 60 or over who’s eligible to live in the UK. You can move on your own or with someone else — if you’re moving as a couple, you’ll both need to be 60 or over. You don’t need to be retired; plenty of our customers are still working.

Both people moving in together do need to be 60 or over to be protected under the plan. Most couples in this position wait until you’re both eligible, so you’re both legally covered to live in the home for life, rent and mortgage free. Give us a call when the time’s right and we’ll pick things up from there.

Almost any property in England or Wales that’s on the open market with any estate agent — houses, bungalows, flats, new builds, retirement properties. The property will need to meet certain criteria (things like construction type and condition), and our team will help you understand what’s possible for your budget.

Yes. You can still leave a guaranteed inheritance. You can protect a share of your home's future value which would be paid to your estate when the plan ends. Anything from 0% - 50% it's your choice, documented in a Declaration of Trust, and the more you choose to leave, the more it affects your upfront saving.

Yes. Most people fund their move by selling another property, but that’s not the only way in. If you’re renting or a cash buyer, our team can still help you find a home in your budget — you’d usually need at least £50,000 to secure a property on the open market in England or Wales. Try our calculator to see what might be possible.

No — the Home for Life Plan can only be used to secure a new property, not the one you’re living in now. It’s not a loan or a way to release money from your current home; it’s a way to move to your next one for less.

Yes — it’s your home to live in and make your own. Redecorate, put down new flooring, make it feel like yours. For bigger structural changes, like an extension or a new conservatory, just give us a call first to get the go-ahead.

If you’re both named on the Lifetime Lease, the surviving partner keeps the right to live in the home, rent and mortgage-free, for as long as they need — until they move into long-term care or pass away themselves. There’s nothing extra to pay, and nothing changes about their right to stay.

It depends on your age, circumstances and the property you choose, but savings range from 8% - 60% for a Home for Life Plan on a freehold property, and will vary for leasehold & retirement properties. Generally, the older you are, the greater the saving. Use our online calculator for an instant estimate, or call us for a personalised figure.

Yes. You can still leave a guaranteed inheritance. You can protect a share of your home's future value which would be paid to your estate when the plan ends. Anything from 0% - 50% it's your choice, documented in a Declaration of Trust, and the more you choose to leave, the more it affects your upfront saving.

With a Home for Life Plan there is no rent, no mortgage, and nothing to repay to Homewise. You’re responsible for the same day-to-day costs as any homeowner — utilities, council tax, buildings insurance, and any service charge or ground rent that applies to your property.

Yes. Most people fund their move by selling another property, but that’s not the only way in. If you’re renting or a cash buyer, our team can still help you find a home in your budget — you’d usually need at least £50,000 to secure a property on the open market in England or Wales. Try our calculator to see what might be possible.

No — the Home for Life Plan can only be used to secure a new property, not the one you’re living in now. It’s not a loan or a way to release money from your current home; it’s a way to move to your next one for less.

Your plan moves with you. Life doesn’t always go to plan, and if you need or want to move again, your Home for Life Plan can transfer to a new property, subject to the usual checks and criteria. You’d cover the typical costs of moving — things like agent and solicitor fees.

The property is owned by Homewise or one of our long-term investment partners — established organisations who hold it as a long-term investment. Your right to live there for life is protected by the Lifetime Lease, registered at the Land Registry, regardless of who owns the property at any point. No one can ask you to leave or change the terms.

Yes — it’s your home to live in and make your own. Redecorate, put down new flooring, make it feel like yours. For bigger structural changes, like an extension or a new conservatory, just give us a call first to get the go-ahead.

If you’re both named on the Lifetime Lease, the surviving partner keeps the right to live in the home, rent and mortgage-free, for as long as they need — until they move into long-term care or pass away themselves. There’s nothing extra to pay, and nothing changes about their right to stay.

We know this is a big change, and we’re here to help make it as straightforward as possible. If a qualified medical practitioner confirms you’re permanently unable to return home, your Home for Life Plan comes to an end. If you chose to set aside a share of your home’s value, that’s paid to you and becomes part of your assets. Care costs and support vary a lot by area, so it’s worth speaking to your local authority too.

Your home and your rights are protected either way — this isn’t something we expect, but we’ve planned for it. Your Lifetime Lease is registered at the Land Registry, so your right to live in the home is protected regardless of what happens to Homewise. And if you’ve chosen to set aside a share of your home’s value, that’s secured separately through a legally binding Declaration of Trust.

Yes, and this isn’t optional — every customer needs independent legal advice before we go ahead. You can use your own solicitor or one from our independent panel. They’ll confirm they’ve talked you through the full contract before contracts are exchanged. It’s there to protect you.

It varies from person to person, but typically it takes a few months from your first conversation to moving into your new home. Our Home Search Support team manages the process and keeps things moving as smoothly as possible.

We’d always recommend it. We know how much this decision affects the people close to you, so we encourage you to invite them to join calls with your Customer Account Manager and ask any questions they have. We’re happy to talk it through with them too.

Your home and your rights are protected either way — this isn’t something we expect, but we’ve planned for it. Your Lifetime Lease is registered at the Land Registry, so your right to live in the home is protected regardless of what happens to Homewise. And if you’ve chosen to set aside a share of your home’s value, that’s secured separately through a legally binding Declaration of Trust.

Homewise isn’t regulated by the Financial Conduct Authority, because we’re not a financial company — we provide property products and services, not financial ones, so we don’t fall under their remit. We hold ourselves to a high standard anyway: our processes are benchmarked by an independent auditor, and our Code of Practice is built around honest, clear service.

Over 50 years. Homewise was started by Reg Neal in 1971, and it’s still family-run today — led by his sons. We’ve spent five decades helping people over 60 find homes where they can live securely, for life.

We’re rated 4.8 out of 5 on Feefo, based on verified reviews from real customers. But numbers only tell you so much — we’d rather you heard it in their own words.

It’s a fair question to ask, and we’d rather you speak to us directly than take someone else’s word for it. There’s a lot of misunderstanding out there from people who’ve never actually spoken to us. Read our independently verified reviews on Feefo, or get in touch and we’ll answer anything, honestly.

No. Those listings are free second adverts, part of a service called Market Plus that we offer through our estate agent partners across England and Wales. We don’t own any of these properties — the agent still handles the sale.

If you’re selling through one of our estate agent partners, they may have added a free Market Plus listing as extra marketing exposure for your property. It’s detailed in your vendor agreement. 

Please be assured Homewise is not selling your property and you will still receive the full agreed selling price when your estate agent sells your property - not the advertised Homewise guide price.

Read our detailed guide about Market Plus to find out more.

If you do not want the extra exposure from the Homewise listing then you can opt out at any time. Please instruct your estate agent and the Homewise listing will be removed.

It can take up to 24 hours for the change to show across property portals. If you’d rather contact us directly, email marketplusagreements@homewise.co.uk with your address and we’ll help however we can.

The Home for Life Plan is only relevant if you’re 60 or over, so it’s completely understandable if you’d rather not see it. You can filter it out by excluding ‘retirement properties’ in your Rightmove or Zoopla search settings — you’ll still see every property in your area, just at the standard market price.

The Home for Life Plan is a simple way to move into a better home for less — without a mortgage, rent or interest payments. Instead of buying the property outright, you secure the legal right to live there for life through a Lifetime Lease. It’s built around your age, budget and the home you want, so the amount you pay is always less than the market price.

To find out more about the Home for Life Plan in detail, visit the 'Home for Life Plan' page on our website.

No. It’s not a loan, a mortgage, or equity release, and it can’t be applied to a property you already own. There’s no interest, no monthly repayments and no debt building up. You pay a one-off amount to secure the right to live in your chosen home for life — nothing to repay later.

A Lifetime Lease is a legally binding agreement, registered at the Land Registry, that gives you the right to live in your chosen home — rent-free and mortgage-free — for the rest of your life. It’s the legal foundation of every Home for Life Plan.

Anyone aged 60 or over who’s eligible to live in the UK. You can move on your own or with someone else — if you’re moving as a couple, you’ll both need to be 60 or over. You don’t need to be retired; plenty of our customers are still working.

Both people moving in together do need to be 60 or over to be protected under the plan. Most couples in this position wait until you’re both eligible, so you’re both legally covered to live in the home for life, rent and mortgage free. Give us a call when the time’s right and we’ll pick things up from there.

Almost any property in England or Wales that’s on the open market with any estate agent — houses, bungalows, flats, new builds, retirement properties. The property will need to meet certain criteria (things like construction type and condition), and our team will help you understand what’s possible for your budget.

It depends on your age, circumstances and the property you choose, but savings range from 8% - 60% for a Home for Life Plan on a freehold property, and will vary for leasehold & retirement properties. Generally, the older you are, the greater the saving. Use our online calculator for an instant estimate, or call us for a personalised figure.

Yes. You can still leave a guaranteed inheritance. You can protect a share of your home's future value which would be paid to your estate when the plan ends. Anything from 0% - 50% it's your choice, documented in a Declaration of Trust, and the more you choose to leave, the more it affects your upfront saving.

With a Home for Life Plan there is no rent, no mortgage, and nothing to repay to Homewise. You’re responsible for the same day-to-day costs as any homeowner — utilities, council tax, buildings insurance, and any service charge or ground rent that applies to your property.

Yes. Most people fund their move by selling another property, but that’s not the only way in. If you’re renting or a cash buyer, our team can still help you find a home in your budget — you’d usually need at least £50,000 to secure a property on the open market in England or Wales. Try our calculator to see what might be possible.

No — the Home for Life Plan can only be used to secure a new property, not the one you’re living in now. It’s not a loan or a way to release money from your current home; it’s a way to move to your next one for less.

Your plan moves with you. Life doesn’t always go to plan, and if you need or want to move again, your Home for Life Plan can transfer to a new property, subject to the usual checks and criteria. You’d cover the typical costs of moving — things like agent and solicitor fees.

The property is owned by Homewise or one of our long-term investment partners — established organisations who hold it as a long-term investment. Your right to live there for life is protected by the Lifetime Lease, registered at the Land Registry, regardless of who owns the property at any point. No one can ask you to leave or change the terms.

Yes — it’s your home to live in and make your own. Redecorate, put down new flooring, make it feel like yours. For bigger structural changes, like an extension or a new conservatory, just give us a call first to get the go-ahead.

If you’re both named on the Lifetime Lease, the surviving partner keeps the right to live in the home, rent and mortgage-free, for as long as they need — until they move into long-term care or pass away themselves. There’s nothing extra to pay, and nothing changes about their right to stay.

We know this is a big change, and we’re here to help make it as straightforward as possible. If a qualified medical practitioner confirms you’re permanently unable to return home, your Home for Life Plan comes to an end. If you chose to set aside a share of your home’s value, that’s paid to you and becomes part of your assets. Care costs and support vary a lot by area, so it’s worth speaking to your local authority too.

Your home and your rights are protected either way — this isn’t something we expect, but we’ve planned for it. Your Lifetime Lease is registered at the Land Registry, so your right to live in the home is protected regardless of what happens to Homewise. And if you’ve chosen to set aside a share of your home’s value, that’s secured separately through a legally binding Declaration of Trust.

Yes, and this isn’t optional — every customer needs independent legal advice before we go ahead. You can use your own solicitor or one from our independent panel. They’ll confirm they’ve talked you through the full contract before contracts are exchanged. It’s there to protect you.

It varies from person to person, but typically it takes a few months from your first conversation to moving into your new home. Our Home Search Support team manages the process and keeps things moving as smoothly as possible.

We’d always recommend it. We know how much this decision affects the people close to you, so we encourage you to invite them to join calls with your Customer Account Manager and ask any questions they have. We’re happy to talk it through with them too.

Homewise isn’t regulated by the Financial Conduct Authority, because we’re not a financial company — we provide property products and services, not financial ones, so we don’t fall under their remit. We hold ourselves to a high standard anyway: our processes are benchmarked by an independent auditor, and our Code of Practice is built around honest, clear service.

Over 50 years. Homewise was started by Reg Neal in 1971, and it’s still family-run today — led by his sons. We’ve spent five decades helping people over 60 find homes where they can live securely, for life.

No — you own the legal right to live there for life, protected by a Lifetime Lease registered with the Land Registry. The property itself is owned by Homewise or one of our long-term investment partners. But it’s still your home: you choose it, you live in it, you decorate it, and no one can ask you to leave.

We’re rated 4.8 out of 5 on Feefo, based on verified reviews from real customers. But numbers only tell you so much — we’d rather you heard it in their own words.

It’s a fair question to ask, and we’d rather you speak to us directly than take someone else’s word for it. There’s a lot of misunderstanding out there from people who’ve never actually spoken to us. Read our independently verified reviews on Feefo, or get in touch and we’ll answer anything, honestly.

No. Those listings are free second adverts, part of a service called Market Plus that we offer through our estate agent partners across England and Wales. We don’t own any of these properties — the agent still handles the sale.

If you’re selling through one of our estate agent partners, they may have added a free Market Plus listing as extra marketing exposure for your property. It’s detailed in your vendor agreement. 

Please be assured Homewise is not selling your property and you will still receive the full agreed selling price when your estate agent sells your property - not the advertised Homewise guide price.

Read our detailed guide about Market Plus to find out more.

If you do not want the extra exposure from the Homewise listing then you can opt out at any time. Please instruct your estate agent and the Homewise listing will be removed.

It can take up to 24 hours for the change to show across property portals. If you’d rather contact us directly, email marketplusagreements@homewise.co.uk with your address and we’ll help however we can.

The Home for Life Plan is only relevant if you’re 60 or over, so it’s completely understandable if you’d rather not see it. You can filter it out by excluding ‘retirement properties’ in your Rightmove or Zoopla search settings — you’ll still see every property in your area, just at the standard market price.