RetroFi is a new kind of equity release, built specifically to fund insulation, heat pumps, solar and accessibility improvements — with no monthly repayments, ever.
Most of the UK's housing stock was built long before energy efficiency was a consideration — and most homeowners over 60 have far more wealth tied up in their home than in savings. RetroFi connects the two.
RetroFi turns the equity already in your home into the improvements that matter — better insulation, cleaner heating, solar, and the adaptations that let you stay independent — funded with no monthly repayments, and full clarity on the cost over time.
Interest rolls up against your home. Nothing is repaid until you move into long-term care, pass away, or choose to repay early.
Insulation, heat pumps, solar, secondary glazing and accessibility adaptations — not just cash with no plan behind it.
We net off schemes like the £7,500 Boiler Upgrade Scheme automatically, so you only ever borrow what you actually need.
Every figure is calculated from your actual property and chosen improvements — grounded in published market research, not a sales number.
A standard safeguard on every plan — you, or your estate, will never owe more than the home is worth.
Bring a partner, family member or carer into the conversation from day one, if that's helpful for you.
Your postcode, property type, and current EPC rating — we'll look this up automatically where we can.
Choose the energy upgrades and accessibility adaptations that matter to you — see costs and impact update live.
Your potential loan, annual bill savings, and EPC improvement — calculated instantly from your own numbers.
We'll be in touch the moment RetroFi launches in your area. No cost, no commitment, no obligation.
Bungalow · North Yorkshire · EPC E
Semi-detached · West Midlands · EPC D
Victorian terrace, conservation area · North East · EPC F
*Not every plan increases property value — improvements to listed or conservation-area homes often can't reach the higher EPC bands, and we don't claim an uplift we can't evidence.
Most homes owned by people over 60 were built before modern insulation standards existed. RetroFi exists to close that gap — one home at a time.
Not yet. RetroFi is currently in early access and is not yet an authorised, live financial product. Joining the waitlist means we'll contact you as soon as we launch — it's not an application and doesn't commit you to anything.
It's a way to release some of the value tied up in your home, as a lump sum, without having to move or make monthly repayments. The loan plus interest is repaid when the home is eventually sold — usually when you move into long-term care or pass away.
Yes. You remain the legal owner and can continue living there for as long as you wish, subject to the plan's standard terms and conditions.
Every RetroFi plan will include a no negative equity guarantee — a standard safeguard meaning you, or your estate, will never owe more than the home is worth, even if house prices fall.
Yes, if you'd like. Our process lets you include a partner, family member, or carer in the conversation from the very first step.
Our indicative calculator is built around reaching EPC C or above through your chosen improvements — but every property is different, and this will be confirmed as part of a full assessment.
No. Every figure shown is an indicative estimate for illustration only. Before any real offer is made, you'll receive full regulated financial advice and an independent property valuation.
Be first to know when RetroFi launches in your area. No cost, no commitment.
You're on the waitlist — we'll be in touch as soon as RetroFi launches.