We aim to make our website as accessible as possible. However if you use a screen reader and require debt advice you may find it easier to phone us instead. Our phone number is 0 8 0 0 1 3 8 1 1 1 1. Freephone (including all mobiles).
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StepChange Financial Solutions

The UK’s only charity-operated equity release and mortgage advice service.

Call us now for FREE

0808 1686 719

Monday to Friday 9am to 5pm

Looking for other ways to get debt help? Find out how to contact us.

  England, Wales, Scotland and Northern Ireland

If you are considering releasing the equity in your home to top-up your retirement income or manage your debt, we can unlock your options as a homeowner. Our award-winning subsidiary StepChange Financial Solutions offers impartial advice you can trust.

As well as equity release, our expert team also offers mortgage advice, whether you're a first time buyer or looking to remortgage for a better deal. We’ll take the time to understand your whole situation and guide you through the entire process, so you can feel confident you’ve made the right decision in choosing us. 

Why choose us?

  •  Free advice: We don't charge you for our advice. If you go ahead with equity release or a mortgage, on completion you will need to pay our Service Fee. This fee cannot be refunded

  •  Unbiased: Our advisors don't work to sales targets, bonuses or commissions


  • Specialist: We offer advice to all, from managing debts to those looking to retire


  • Trustworthy: Last year 98% of our clients said they would recommend us to family or friends
The equity release awards logo

Mortgage Solutions Awards

We're proud to be finalists in The Equity Release Awards 2022.

Need equity release or mortgage advice?

Call us now for FREE on 0808 1686 719 for no-obligation advice. Looking for other ways to get debt help? Find out how to contact us.

Our priority is giving you the right advice

Since we launched in 2010 our aim has been to create a safe environment for clients to explore their equity release and mortgage options. That's why our fully qualified advisors are salaried, with no sales targets, bonuses or commissions, so you can be assured our only goal is finding the best option for you.

Due to very high demand at the moment, we are only providing our mortgage service for people who are 50 years or older. Sorry if this means we cannot help you right now. Please read our homeowners' guides or visit the MoneyHelper website for free and impartial advice about mortgages. We hope you will find this helpful.

Raymond on Feefo says:

"Time was given"

"I found the service and advice offered to my wife and I to be very sound and time was given to fully explain the choices, pit falls and advantages on offer for an equity release mortgage."

Get help like Raymond

Free equity release and mortgage advice

If you're looking to release equity from your home or need no-obligation mortgage advice, call us now for FREE on 0808 1686 719. Looking for other ways to get debt help? Find out how to contact us.

Debt happens. We deal with it.

We have helped millions of people since 1993.

Find out how.

"An excellent service"

"Throughout the whole process of applying for and getting a Lifetime Mortgage the financial adviser and her colleagues were very helpful and careful to explain everything in the greatest detail. An excellent service."

Peter, Feefo Review

StepChange Financial Solutions is a registered trading name of Consumer Credit Counselling Service (Equity Release) Ltd. Authorised and regulated by the Financial Conduct Authority.