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Couples With Different Ages

Couples with a significant age difference

How the younger applicant's age constrains the maximum release, and how to respond.

Illustrative photograph for the scenario: Couples with a significant age difference
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Client profile

Joint applicants, 76 and 58 — a fifteen-year age gap.

  • · Release £110,000 for home improvements and a family gift
  • · Understand why the quoted maximum is lower than expected

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Last reviewed 2026-09-13 · editorial

Information and software, not advice. Equity Fountain is not authorised or regulated by the Financial Conduct Authority and does not provide regulated financial, mortgage, equity-release, tax, legal or probate advice. It provides research tools, factual market information, modelling and educational resources for professional users. The subscribing adviser remains responsible for verification, suitability and client advice. Provider documentation takes precedence over anything shown here.