01242 500860 info@tivoli.legal

Expert Equity Release Solicitors

80+ years of collective qualified experience

I'm a Home OwnerI'm a Financial Adviser

Equity release solicitors doing things differently

Welcome to Tivoli Legal. We are committed to setting a new standard in the world of equity release solicitors for homeowners and financial advisers. We stand apart by prioritising your experience above all else. We combine the latest technology with over 80 years’ of collective solicitor expertise to ensure a seamless and efficient process. You will have a dedicated solicitor by your side, providing a personal touch that fosters trust and confidence and ensuring that your journey is smooth and stress-free.

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Why choose Tivoli Legal?

We have a 100% success rate in completing legal documentation in anticipated time scales.

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Our reputation has been built on our unwavering commitment to precision and attention to detail, especially in three critical areas: conducting accurate case assessments, accurate predictions of lender requirements pre-offer, and providing realistic time estimations.

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Qualified support

We have over 80 years’ of combined post-qualification experience and your case will be managed by a qualified and experienced solicitor from start to finish. This ensures a smooth transaction process and reassurance that you have access to our full expertise at all times.

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Complex cases

We are adept at identifying and resolving any complexities at an early stage to ensure there are no delays. For example, transfer of equity, matrimonial situations, bankruptcy issues, purchasing with equity release, etc.

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Case tracking app

Our user-friendly app simplifies transactions: 24/7 access to complete forms, verify identity, upload/download documents, e-signature and live case updates. If you do not want to use the app, don’t worry we adapt to your preferences ensuring a seamless experience.

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Transparent pricing

We aim to foresee and identify as many costs as possible upfront to prevent any unexpected surprises. It’s important to understand that each case is unique and is contingent upon its complexity. During our initial call, we’ll guide you through the specifics of your unique situation.

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Personal Service

We pride ourselves on our approachability, professionalism and constant availability to provide support and address any queries. Complex matters are explained in a clear and straightforward manner. We also ensure that you are consistently well-informed throughout your journey with us. Your peace of mind is our top priority, and we are dedicated to making your experience with us as smooth as possible.

How it works

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Financial adviser

Your financial adviser will undertake a thorough fact find with you regarding your financial situation and aspirations. They advise on the options available to you and if equity release is a suitable option for you. If you wish to proceed, your adviser will source the most suitable product for your needs.

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Instruct Tivoli Legal

Once instructed, a qualified solicitor will take your detailed instructions to assess the complexity of your transaction. We will request any relevant documents and review these. Updating you if there are additional complexities or an anticipated impact on time to completion.

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Offer Issued

The legal pack is sent to us directly from the lender’s solicitors, usually a day or two after you receive your offer. If you have any queries regarding the offer e.g. interest rate etc. we recommend discussing this as soon as possible with your adviser.

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Legal Process

Once we are in receipt of the legal pack we will prepare our documentation and invite you to a (mandatory) face to face appointment with a solicitor either at our offices in Cheltenham or arrange for a solicitor to visit you in your home.

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After the solicitors appointment we will request completion from the lender’s solicitors. On notification of the completion date, we prepare completion statements and seek your authority to complete. On completion date, the net funds are sent to us, and we forward these to you after payment of your adviser & legal fees. You can use the net funds as you choose.

Equity Release Solicitor


Your lender will update the Land Registry title reflecting their charge. You are secure in your home for the rest of your life (or enter residential care). You can choose to treat the equity release as an interest only mortgage by making regular payments or you can allow the interest to compound – you choose.

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24/7 case tracking app

Our user-friendly app has been designed to revolutionise the way transactions are handled. We’ve simplified communication, document management, and progress tracking to make your life easier.

24/7 access

Document up/download

ID/Funds Verification

Instant live updates

Secure & Encrypted


Reporting (Advisers)

Digital signature

Chat with us function

User friendly

Reduced Admin Time

Your questions answered

Why should I use a specialist equity release solicitor?

Equity release transactions can be more intricate compared to standard re-mortgages due to lender’s additional requirements because this is intended to be a lifelong financial commitment. Our expertise lies in anticipating and comprehending these lender requirements, and understanding the evidence necessary to satisfy them.

In cases where typical documentation isn’t readily available, our extensive experience enables us to identify acceptable alternatives. In addition, our strong working relationships with other parties in the process, such as lender solicitors and lenders, allow us to swiftly address complexities without unnecessary delays.

Time is of the essence, with equity release offers typically lasting around 42 days. Any prolonged negotiations or communications to resolve complexities can result in the offer expiring, which can lead to higher interest rates and the loss of a viable financial solution.

A specialist solicitor with expert knowledge understands these time restraints and their impact and is able to achieve completion quickly and smoothly.

How do I know if my case is complex?

Our process begins with a comprehensive fact-finding session with our solicitor who will ask you a series of questions about the property and your personal situation. This helps us determine if there are any potential complexities. Additionally, we conduct a thorough review of your property title, informing you of any necessary additional steps.

Some typical complexities we encounter involve situations like leased solar panels, transfers on/off the title, multiple charges/restrictions or properties held in trust. If you suspect that your case might involve any of these complexities or have unique circumstances, we’re more than happy to have a discussion with you. We’ll explain how we can efficiently handle these intricacies and ensure a smooth process tailored to your needs.

How long will it take?

Each case we handle is unique, and the timelines are contingent upon the details of the property title. Typically, when applicants hold a standard residential mortgage with a mainstream lender, and all parties are listed on the property title, the process can be completed in approximately three to four weeks from our receipt of the offer.

To expedite these timings, we recommend providing the initial documents requested promptly so that we can assess your case, using our user-friendly app (if possible) and being available for the face to face appointment.

However, it’s important to note that complex transactions may require significantly more time. For instance, if the property is held in trust and necessitates unwinding, if the property isn’t in the applicant’s name, or an unregistered title that requires registration before proceeding.

Rest assured, once we commence working with you, we will provide precise guidance on the expected timescale, tailored to your case.

Our guarantee

We guarantee you will have a qualified solicitor dedicated to your case, providing guidance and support from beginning to end. And we have a “no completion, no fee” approach, ensuring that if, for any reason, the completion doesn’t proceed as planned, you won’t incur our standard equity release fees.

Work with specialist equity release solicitors

8o years’ of collective experience

Our friendly team of solicitors are all experts in equity release. Combined we have practiced as qualified solicitors for over 80 years.

Streamlined process

Transactions have been streamlined with our user-friendly app. We keep you and your adviser up to date all the time, ensuring that we are prepared and ready to progress your offer once received at your pace.

Authorised and regulated

We are authorised and regulated by the SRA and we are proud members of the Equity Release Council.

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Case studies

A Coastal Retirement Dream Realised

A Coastal Retirement Dream Realised

Our client approached us with a dream of retiring to a picturesque coastal property. He had already embarked on the journey of purchasing the property however, his path to this dream took an unexpected turn as he ventured into the realm of equity release mortgages....

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A Complex Property Case Solved

A Complex Property Case Solved

Our clients had spent many wonderful years in their magnificent Georgian manor house nestled in the picturesque Brecon Beacons, where they raised their family. As the children grew and moved on, it became clear that their beloved home had become more spacious than...

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Achieving Early Retirement

Achieving Early Retirement

During a casual conversation with her hairdresser, our client experienced a moment of clarity. She realized that her work was primarily to supplement their income for life's little luxuries: dining out, enjoying theatre shows, and an annual overseas holiday. The value...

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5 star Google Reviews

Based on 56 reviews
Rod Elliott
Rod Elliott
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I been involved in property development for over 50 years & Tivoli Legal are the best legal team I have ever dealt with.
Lisa Rodway
Lisa Rodway
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Can’t recommend highly enough. Super efficient and great communication.
Terry Pointer
Terry Pointer
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Right from day one we had wonderful attentive service from Kelsey. Always updated throughout the complete process. No hesitation in recommending Tivoli Legal. Very competitive costs too.
Alison Woolger
Alison Woolger
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Professional, knowledgeable and incredibly helpful, thank you Ailsa so very much for all your assistance
Charles Staddon
Charles Staddon
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Fantastic service. Ailsa, Sara and the team were always in communication with me throughout the sale of my house to keep me updated. Something previous solicitors have lacked. They do really care and would use them again without hesitation. Highly recommend
Sylvia Read
Sylvia Read
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Tivoli Legal took 5 working days from Memorandum of Sale to Completion to sell our stone built nineteenth century Cotswold house and garden. Besides their efficiency Tivoli Legal staff were a delight to deal with.
Tina Alsworth
Tina Alsworth
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Very professional, kept us informed at all stages without using unnecessary jargon. Will definitely use again.
Andy Jones
Andy Jones
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I recently purchased a property in Cheltenham and used Tivoli for the legal work. I was thinking about using a cheaper on-line company, but I’m so glad used Tivoli. There were a few unexpected issues, but the team came up with solutions and used local relationships with other solicitors to get things done, and I could actually go into the office to sign documents. Really polite and helpful, with great knowledge - would highly recommend.
Adam Hutchinson
Adam Hutchinson
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Seamless Home Buying Experience with Tivoli Legal I recently had the pleasure of working with Ailsa and her team at Tivoli Legal for the conveyancing process of purchasing my house in Cheltenham, and I cannot speak highly enough of their services. From start to finish, they exemplified professionalism, efficiency, and unparalleled communication skills, making the entire experience a breeze. Ailsa and her team were not only knowledgeable but also incredibly responsive and proactive. They handled every aspect of the conveyancing process with precision and attention to detail, ensuring that all legal requirements were met promptly. Their expertise in property law was evident throughout, giving me peace of mind knowing that my interests were in capable hands. What truly set Tivoli Legal apart was their exceptional communication skills. They kept me informed every step of the way, providing regular updates and promptly addressing any queries or concerns I had. Their clear and transparent communication made the entire process incredibly smooth and stress-free, allowing for a quick and efficient transaction. Without Ailsa and her team, navigating the complexities of buying a house would have been daunting. Their expertise and dedication were instrumental in helping us secure the home of our dreams. I cannot recommend Tivoli Legal highly enough. If you're in need of conveyancing services, look no further – Tivoli Legal is simply the best.
William Brennan
William Brennan
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Excellent efficient service, amazed at how speedily Kelsey dealt with my case , would not hesitate to recommend this company
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