Home for Life Plan Quick Calculator

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Searching for your next home can be a challenge.

Property prices are high. Living costs continue to rise. And if you’re 60 or older, your goals may stay the same but the options can feel limited.

Maybe you want to move closer to family, but the prices in their area are too high. Maybe you want to clear debts, but downsizing means moving somewhere you don’t like.

It might feel like the numbers will never add up.

That’s where the Home for Life Plan comes in.

Simple & Affordable

Move to the home you really want for thousands less than the market price, with a Home for Life Plan.

Find out more

Home Search Support

We’ll do the legwork to find properties that match your budget and your needs.

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Guaranteed Sale

A cash offer on your current property, so you don't have to worry about the chain breaking.

Find out more

Download our brochure

Download a copy of our brochure and read how a Home for Life Plan could change everything.

The Home for Life Plan is a different way to secure your next home. Pay once. Have security living in your chosen home, for life.

It's a simple way for people aged 60+ to secure a home for thousands less than the market value.

It’s not a mortgage. It’s not rent. And it’s not shared ownership.

Instead, you pay a one-off sum to buy a Lifetime Lease. This gives you the legal right to live in your chosen home, rent-free and mortgage-free, for the rest of your life.

You find the home you love. We help make it affordable.

No Mortgage or Rent: Pay once, and never pay a penny in rent or interest.

Your Choice of Home: Choose any property on the market in England or Wales.

Secure for Life: Your Lifetime Lease is registered at the Land Registry.

Inheritance Choice: Option to set aside up to 50% of the future value for your family.

Find out more

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

Family-run. Family focused.

years helping people move

£99m

saved by our customers against market value

4.8/5

Customer Rating (Feefo)

Thousands of happy retirements secured

Video with transcript

We’re not a faceless corporation. Homewise was started over 50 years ago by Reg and Karen Neal, and we’re still family-run, led by their sons, today.

They started with a simple idea: that retirement should be a new beginning, not a compromise. That's still true today. We’ve helped thousands of people move to the right home, clear debts, and get closer to the people they love.

Get to know us

*Customer savings figures relate to purchases made between 2007-2024.
4.8 out of 5 independent service rating from verified Homewise customers via Feefo.

Common Questions

Do I own the property?

No, you own the Lifetime Lease. This gives you the legal right to live there for life, but the property itself is owned by the Homewise group or our partners.

Is my inheritance safe?

Yes. You can choose to safeguard up to 50% of the home’s future value for your estate, and this is documented in a "Declaration of Trust".

What if I want to move again?

The plan is portable. You can take it with you to a new suitable property (subject to criteria), if you want to move in the future.

See all FAQs

Ready for a chat?

You don’t need to have it all figured out. Whether you’ve found a property or are just starting to look, we’re here to help. No pressure, just a friendly conversation to see if the numbers work for you.

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"It sounds too good to be true."

We hear that a lot. And honestly? You’re right to be cautious. This is a big decision.

The Home for Life Plan isn't for everyone. It’s for people who want to live in a better home than their budget allows, and who are happy to trade full ownership of the bricks and mortar for a secure Lifetime Lease.

See how it has worked for others. They were like you, wanting to find the right home and have security.

I'm looking to:

After his mum died, David was left with half the proceeds from the sale of her house. This would have been enough for a flat, but David had always dreamed of having a house and garden. After getting in touch with Homewise he was able to get the perfect home he wanted and left him with enough money to carry out work on his house and garden.

With a mortgage to pay off, Judy was unable to afford a suitable property on the market, closer to friends and family. A local estate agent mentioned the Home for Life Plan, explaining it would be able to increase her budget and her search options. Thanks to Homewise, Judy was able to find a new home in her perfect location, ideal for her and her cat Picky.

Brad was close to retirement and wanted to move somewhere he could live comfortably. Having purchased at the top of the market twice previously, he had limited equity, which he felt gave him fewer property options. With the help of the Home for Life Plan he was able to find a small 2-bedroom Victorian terrace where he has been able to settle securely and enjoy his retirement.

David and Laurie had their heart set on a bungalow in Eastbourne but knew that when they sold their property in Buckinghamshire, they had an outstanding mortgage that meant this dream was out of their reach. Thanks to the Home for Life Plan, they were able to afford their home by the sea, retire in the location of their choice and enjoy their dream home for life.

When Jane and Tony decided to move back to the UK after 10 years in Spain, they discovered that the drop in house prices in Spain meant that they were struggling to find a suitable property in the UK. Thanks to the Home for Life Plan, they were able to increase their available budget to find the perfect home close to their family on the South Coast.

Hugh and Helen had found the perfect property, a lovely bungalow, but buying it outright would have meant they spent all their savings. With their children living in Australia and South Africa, they wanted to be able to put money aside to travel and enjoy their retirement. Thanks to the Home for Life Plan, they were able to move into their ideal home and keep their savings.

For Ron and Val, the Home for Life Plan gave them a way to move closer to their sons. Living in Norfolk, five hours from London, it was too far for regular visits, but a move to the South Coast with great transport links and beautiful surroundings has changed that. Ron and Val enjoy hosting busy weekends with the family in their full-to-bursting new home.

Over 60 & struggling to afford the home you want?

Get a quick estimate

Speak with our team

It’s getting harder to find the right home.

That’s where the Home for Life Plan comes in.

Simple & Affordable

Home Search Support

Guaranteed Sale

Download our brochure

A different way to move.

You find the home you love. We help make it affordable.

See what you could actually afford.

Family-run. Family focused.

Common Questions

Ready for a chat?

"It sounds too good to be true."

David

Judy

Brad

David and Laurie

Jane and Tony

Hugh and Helen

Judy

Ron and Val

Jane and Tony

Judy

David and Laurie

Brad

Hugh and Helen

Jane and Tony

David

Judy

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