Global Equity Release Market Has Projected Growth
Homeowners over age 55 in several nations may see more options as industry volume grows to $60 billion by 2035.
Updated on Oct. 12, 2026 in Residential
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A new report from the EPPARG projects the global equity release market will reach $60 billion by 2035, driven by rising living costs and aging populations. This growth is expected to provide homeowners aged 55 and older with more ways to access housing wealth without selling their properties.
Why it matters
As traditional retirement systems face pressure from longer life spans and higher inflation, equity release products offer a way to unlock cash from real estate. This shift is reshaping how households manage long-term financial planning in retirement.
The global equity release market is expected to grow to $60 billion by 2035, compared to current volume benchmarks in surveyed countries. Households aged 55 and older currently use these products to access lump-sum payments through banks, though regional funding access varies.
The players
EPPARG
An international trade association representing the equity release industry that provides standards and market analysis for retirement housing products.
The details
Equity release products allow homeowners to access property wealth while continuing to live in their homes, with lump-sum payments remaining the most popular model. Home reversion arrangements operate by selling a portion of a property's future value in exchange for immediate cash. These financial tools help bridge budget gaps for older households as demographic and inflationary pressures mount globally.
Timeline
September 29, 2026: The EPPARG adopted the report findings at a meeting in Madrid.
2025-2026: This period served as the data collection window for market participants.
Within 5 years: Market participants plan to integrate AI and digitalization for due diligence.
2035: This year serves as the target date for the projected $60 billion global market valuation.
Money Landscape
This projection marks a departure from the historical reliance on pension and social security income for retirees by formalizing housing wealth as a core liquid retirement asset. The shift reflects a growing institutional movement to treat residential property as a primary retirement funding tool.
If you are aged 55 or older, monitor how equity release options evolve in your local market as banks increase focus on these products. Consider speaking with a financial professional to evaluate whether unlocking home equity fits your long-term retirement budget or tax strategy.
The takeaway
Equity release is becoming a central component of global retirement planning as populations age and living costs persist. Review your long-term budget projections and consult with a qualified financial professional to determine if your home equity should be part of your retirement strategy.
Further reading
For more on managing housing wealth in later life, visit our Residential section.
Source note: This article includes information reported by HousingWire.
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