01242 500860 info@tivoli.legal

Helping home owners access the equity in their homes

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What we do

Equity release can be a great way to access finance from your property without having to sell your home. However, the legal process is quite different from conveyancing and often not that straightforward. As specialist equity release solicitors, we can anticipate potential issues and manage complexities. 

We combine the latest technology with over 80 years’ of collective post-qualification 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. 

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 Information for Home Owners


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. 

The transactions are simplified: complete forms, verify identity, upload/download documents, provide digital signatures, and even leave feedback – all from the palm of your hand.  

Stay informed with live updates from our case management system keeping you updated 24/7.

Your way, every time:  We adapt to your preferred mode of communication ensuring a seamless experience tailored to you.

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.

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’re dedicated to making your experience with us as smooth as possible.

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The Fees

We know that nobody likes a surprise on fees at the end of a matter.  We are transparent pricing on a fixed fee basis that includes VAT and standard disbursements.

We estimate using information provided about your transaction.  In our initial solicitors call additional lender requirements may be anticipated, which we will discuss with you and inform you of our fixed fee costs. 

If the Lender does not raise the anticipated queries, then we will not charge for work we do not do.  Similarly, if an unforeseen special condition is attached to an Offer additional work will be required which we will discuss with you as soon as we are made aware of it.

Home Owner Instruction

Click to fill in our Equity Release Instruction form.

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