Unlocking home equityPreserving your future

At Futureproof, we are revolutionizing the way home equity is accessed. Our Equity Preservation Mortgage® (EPM) helps retirees and pre-retirees receive annuity income without depleting their home equity, ensuring that their financial needs can be accounted for at every stage of life.

Problems
we are solving

Problems we are solving

Traditional equity release products suffer from poor design and pose many disadvantages. We are here to help the aging population access home capital in a way that helps them fund retirement responsibly and get more out of life.

Depletion of Home Equity

Traditional equity release products used for retirement funding, such as reverse mortgages and shared appreciation mortgages, rapidly deplete home equity erdoding legacy.

Untapped Home Equity

Home equity represents the largest asset class of untapped capital, with no fit-for-purpose financial instrument to assist homeowners in harnessing their property wealth.

Insufficient Income

While many retirees count on traditional pension plans to fund their retirement, they soon discover that existing products don't provide enough retirement income or funding to meet their needs.

Introducing the Futureproof Equity Preservation Mortgage®

How does it work?

The Equity Preservation Mortgage® is a game-changing fintech innovation – a new form of equity release mortgage that uses a long duration, index-linked mortgage that monetizes home capital into tax-free annuity income without depleting the homeowner’s equity or sharing of property appreciation.

Our aim is to ensure full home wealth transfer upon death to enable the children to enter the housing market, removing inter-generational unfairness.

Welcome to Equity Release. 2.0

01.

The Equity Preservation Mortgage empowers lenders and distribution partners to fund a tax-free annuity or a range of bespoke financial products for every life stage, using home capital while preserving their home equity.

02.

Our Equity Preservation Mortgage ensures that any loan interest is calculated as simple interest, not compounding interest, and paid on behalf of the borrower.

03.

Financial institutions, regulated lenders and distribution partners can brand, issue, and retail Futureproof products to customers with no license fee or recurring royalty.

04.

Our Equity Preservation Mortgage is made available via our SaaS Product & Funding Platform which can be effortlessly integrated with cloud-based platforms or legacy systems via secure APIs.

Accessible through Futureproof's one-stop solution

Our SaaS Product & Funding Platform makes the Equity Preservation Mortgage™ available to financial institutions, regulated lenders and distribution partners . Discover how the needs of your ageing customers can be better met with our products today.

A fiscally responsible white-labelled equity release mortgage

Available only to financial institutions and regulated lenders

Funding of products and services for every life stage

Learn more

For Individuals

We aim to empower individuals to maximize the full value of their home equity.

With Futureproof, pre-retirees can bolster their pension fund and strategically plan for a comfortable retirement.

Additionally, for retirees, we can help turn home capital into a steady stream of income, ensuring financial stability in their golden years.

The Equity Preservation Mortgage® is built to meet financial needs as they evolve, at every life stage.

For Professional Advisors

We provide professional advisers with low-risk and bespoke financial products that can optimize their client's retirement plans.

Futureproof’s innovative solution enables advisers to offer their clients an equity release solution unconstrained by age and LTV or LTR limitations and with no negative equity risk. This provides individuals with greater annuity income while preserving their home equity.

START USING OUR EQUITY PRESERVATION MORTGAGE® TODAY

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