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Move for less. Live for now.

Most people over 60 who want to move assume the traditional ways are the only options. Buying at full price (likely by taking on a new mortgage), renting, or staying in their current property and releasing equity to fund their retirement.

The Home for Life Plan offers a different way.

  • Live in your ideal home

  • Leave a guaranteed inheritance

  • Create savings for the future
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What is a Home for Life Plan?

Instead of buying your next home the traditional way, you pay much less than the market price to live there, rent-free and mortgage-free, for life.

You pay a one-off amount to buy a Home for Life Plan, and own the legal right to live in your chosen home for your lifetime. This right is protected through a legally binding agreement — a "Lifetime Lease".

Because you're not buying the bricks and mortar, you can save thousands on your move — up to 60% against the market value.

Learn more about the Lifetime Lease
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Want to read more before we talk?

Grab a copy of our brochure and see just how the Home for Life Plan works — real stories, real numbers, and a clear explanation of the trade-off.

How it compares to traditional ownership.

It's a trade-off. And for thousands of people, it makes perfect sense.

 

  Traditional Ownership Home for Life Plan
What you pay Full market price Up to 60% less than market value
What you own The property The legal right to live in your home for life
Monthly payments Mortgage possible No rent, no mortgage
Your money Tied up in the property Free to use now or later
Security Comes from property ownership Comes from your Lifetime Lease
Inheritance Estate inherits the property Estate inherits the share you chose
Moving again Sell and buy again Your plan moves with you
Support You manage it Free expert support before, during, and after

 

When ownership becomes optional, you're options open up.

When ownership becomes a choice, the bigger homes, better locations, and plans you once set aside could start to feel possible again.

You could live closer to loved ones, have more outdoor space, free up funds to clear debts or gift an early inheritance, or just feel settled in the right home with no ongoing worries.

A Home for Life Plan is an alternative to traditional routes like a mortgage, renting, or equity release. It won't be right for everyone, but take your time to weigh up your options. Could it be right for you?

Check how it compares
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See what you could actually afford.

People are often surprised by what's possible. Enter your budget and age to see the price of the property you could secure today.

  • Takes less than 2 minutes
  • Optional inheritance adjustment
  • Instant no-obligation estimate

“We didn’t think we’d get everything we wanted. But now we’re here, near the coast & the grandkids, & loving every minute.”

Jim & Stella, moved to Isle of Wight

Yes, you can set aside an inheritance.

A common worry is that a plan like this means leaving nothing behind. That's not the case.

With the Home for Life Plan, you choose how much of your home’s future value to protect for your estate — up to 50%. It’s your decision, based on what feels right for you now and later.

Some people want to leave as much as possible. Others would rather secure the best home they can right now. Many find a balance somewhere in between. There’s no wrong answer.

Explore your inheritance choice
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Involve your family from the start.

Moving is a big decision, and it’s one that’s easier with the people you trust around you. We always encourage families to be involved from the start.

We’re happy to answer questions from anyone involved — whether that’s your children, your partner, or a trusted friend. The more people who understand the plan, the more confident everyone feels.

Information for families
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What's included in your plan

The plan is more than just a way to make moving more affordable. It brings together everything you need before, during, and after your move.

  • A personalised quote - based on your age, the home you choose, and your inheritance wishes.

  • Your inheritance choice - protect up to 50% of your home's future value for your family.

  • Home search support - help finding, viewing, and sense-checking properties.

  • Home selling support - trusted agents, reviewed valuations, and help keeping things moving.

  • Guaranteed sale option — remove agent fees, chains and delays for added certainty.

  • Independent solicitors — your own legal advisor, always. 

  • Your plan is portable — if life changes, your plan can move with you.

  • Security for life — legal protection to live in your home with no mortgage, no rent, no interest. 

How it works

No jargon. No small print surprises. Just a clear, simple process.

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1

Get your quote

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2

Find your home

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3

We secure the property

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4

Move to your new home

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Step 1 of 4

Get your quote

We'll have a quick chat to understand your situation, calculate the figures, and show you what could be possible. No obligation.

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Step 2 of 4

Find your home

You find the property you love, or let our team search for you. If it's standard construction and on the market in England or Wales, we can usually help.

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Step 3 of 4

We secure the property

You find the property you love, or let our team search for you. If it's standard construction and on the market in England or Wales, we can usually help.

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Step 4 of 4

Move to your new home

You find the property you love, or let our team search for you. If it's standard construction and on the market in England or Wales, we can usually help.

Call for a quote

Quick FAQs

Can I leave an inheritance?

Yes, you can leave an inheritance.

You choose how much of your home’s future value to set aside as a guaranteed inheritance — anything from 0% to 50%. It’s your decision.

Who owns the property?

Homewise works with trusted partners to buy properties as long-term investments.

The property you choose is purchased at full market price as an investment. You pay Homewise a one-off lower amount for your plan and secure the right to live there (rent-free and mortgage-free) for your lifetime.

Can I move again in the future?

Yes, the plan is portable and can move with you to another property in the future, subject to criteria.

I'm not 60, can I buy a Home for Life Plan?

You can only buy a Home for Life Plan if you are 60 or over and eligible to live in the UK.

But, depending on your circumstances, we may still be able to help:

If you'll be 60 soon we can base figures on your age being 60 by the time the sale goes through.

Or if you're under 60, you can live with someone who is 60+ but they would buy the plan and be the named Lifetime Lease Owner(s) — they would have all the protection.

When the plan ends (when they pass away or move into full-time care) you would need to vacate the property.

See all FAQs

Ready to see how it could work for you?

Whether you're just curious, have questions, or ready to go, it starts with a conversation. No pressure. Just clarity.

Contact us

Customer Reviews

Thousands of people have made this move. Here's what they have to say.

4.8/5

independent customer rating

Perfect option

Mr Fairbrother, Homewise Customer

We wished to access the equity in our current home without the ball & chain of interest accruing, this was the perfect option for us.

The company, family owned and run, have excellent staff to which no criticism can be attached.

First class service

Mr and Mrs Biddick, Homewise Customers

We will never be able to rate Homewise services with enough stars as the service provided was exceptional. The staff were absolutely amazing, and the knowledge and assistance given to us was above 1st rate. My wife and I can never thank you Homewise enough for the help and assistance.

Dream home

Mr and Mrs O'Dell, Homewise Customers

The Home for Life Plan has allowed us as a very mature couple to get the type of property that we want. Without the plan we would still be in our other property, which would make our life a problem.

A big thank you to Homewise for thinking of people as a family.

Read reviews