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Equity release: key to unlocking your retirement or a dangerous trap?

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The number of older people taking cash out of their property at retirement has hit a record high. We look at the pros and cons

Schemes that allow older people to unlock some of the value tied up in their property are enjoying a surge in popularity fuelled by problems with "interest-only" mortgages and parents keen to help their children on to the housing ladder.

New industry figures show that "equity release" lending has hit a record high. The total value of plans agreed in the first six months of this year was £641m, which is more than a third up on the same period last year, according to the main trade body.

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