Pure Retirement review
Updated October 12, 2026 · SumCue Editorial Team
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.
Our verdict
Pure Retirement provides lifetime mortgages for homeowners over 55 seeking to release equity in later life, operating since 2013. It suits older homeowners who want detailed advised borrowing against their property with ongoing specialist support for events like moving or repaying.
Key facts
- Best for
- Homeowners over 55 releasing equity in later life
- Purpose
- Equity-release↗
- Legal entity
- Pure Retirement Limited↗
- Headquarters
- United Kingdom↗
- Founded
- 2013↗
- Support channels
- Phone, Help-centre↗
- Official website
- pureretirement.co.uk
Facts checked September 26, 2026, 3 sources
Apps and profiles
- Elsewhere
- Trustpilotg.coyoutube.com
Pros and cons
Pros
- Lender founded in 2013 working only in later life borrowing for over 55s
- Regulated by the Financial Conduct Authority under Equity Release Council standards
- Dedicated teams help with repayments, redemption, moving home and downsizing
- Borrowers can make voluntary partial repayments each year
Cons
- Narrow focus on lifetime mortgages for older homeowners, with no wider choice
- Further eligibility criteria can apply beyond the basic age requirements
Who it suits
- Over-55 homeowners unlocking housing equity
- Retirees planning gifts, renovations or later life spending
Who should look elsewhere
- Younger mortgage applicants
- People seeking general residential borrowing
How your money is protected
Protection comes through Financial Conduct Authority oversight of every lifetime mortgage product, plus adherence to Equity Release Council principles for the sector. Every case moves forward with professional advice because the product is sold on an advised basis. A published guide outlines features together with possible risks.
How Pure Retirement compares
Where Pure Retirement is available
- Available
- United Kingdom
- Licence in United Kingdom
- Financial Conduct Authority (582621), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
Who can apply for a Pure Retirement lifetime mortgage?+
Eligibility centres on being over 55 and owning a suitable property, with additional checks applying in some cases. An outstanding home loan would be cleared from the equity unlocked. A professional adviser handles the application on your behalf.
What can released funds be used for?+
Released money has supported kitchen and bathroom upgrades, clearance of existing borrowing, family gifting for house purchases and milestones, extra retirement funds, overseas travel and car purchases. Limits can affect permitted spending in certain circumstances.
How is Pure Retirement regulated?+
Products sit under Financial Conduct Authority regulation and observe Equity Release Council standards for customer protection. Guidance explains the possible drawbacks alongside the features. Professional advice is required before any application proceeds.
Which company operates Pure Retirement?+
Pure Retirement is operated by Pure Retirement Limited. (Source, checked September 26, 2026)
Where is Pure Retirement based?+
Pure Retirement is based in United Kingdom. (Source, checked September 26, 2026)
When was Pure Retirement founded?+
Pure Retirement was founded in 2013. (Source, checked September 26, 2026)
How can I contact Pure Retirement support?+
Pure Retirement offers support through Phone, Help-centre. (Source, checked September 26, 2026)
Sources
- pureretirement.co.uk checked September 26, 2026
Backs: Headquarters, Legal entity, Purpose, Licences
“We're a Leeds-based mortgage lender, committed to first class customer service.”
- pureretirement.co.uk/about-us checked September 26, 2026
Backs: Founded
“Founded in 2013, we believe everyone deserves to enjoy their later years.”
- pureretirement.co.uk/contact-us checked September 26, 2026
Backs: Support channels
“As a lifetime mortgage policyholder, you can quickly connect with a member of our customer service team using the contact details provided in your policy.”
Compiled from 3 source pages, checked October 13, 2026. We did not open an account.
Not confirmed yet: Initial rate, APRC, Fixed period, Maximum loan to value.