Global Equity Release Market Has Projected Growth
Homeowners aged 55 and older are increasingly turning to equity release as retirement costs rise worldwide.
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. These products allow homeowners to access their housing wealth without selling their properties.
Why it matters
Rising costs of living and aging populations are placing significant pressure on traditional retirement systems. As a result, more households are exploring financial tools that leverage home equity to support their long-term security.
The global market is projected to grow to $60 billion by 2035, with U.S. annual volumes expected to rise from 7.1 billion euros to 21.3 billion euros. Survey data spans 14 countries and regions, covering products available to those 55 and older.
The players
EPPARG
An international trade organization that represents providers of equity release products and tracks market trends.
The details
Equity release products allow homeowners to access home value while remaining in their residence, with lump-sum payments currently serving as the most popular option. Home reversion arrangements function by selling a portion of a property's future value in exchange for an immediate payment. Banks serve as the primary source of financing globally, though some regions like Italy and Ireland currently lack access to domestic funding for these programs.
Timeline
September 29, 2026: EPPARG adopted the report findings in Madrid, Spain.
2025-2026: Data period used for current market analysis.
Within 5 years: Industry targets for adopting AI and digitalization.
2035: Target year for projected global market growth.
The Home Front
The 2025-26 EPPARG market report highlights a significant shift in how aging populations utilize real estate assets for financial stability. This trend signals a maturing global market that is increasingly bridging the gap between traditional banking and residential wealth.
Homeowners over 55 should evaluate their long-term retirement needs against their current home equity and potential available products. Speak with a qualified financial advisor to understand how these arrangements might impact your property ownership and estate planning.
The takeaway
Equity release is becoming a central strategy for retirees managing higher living costs while remaining in their homes. Track the evolution of these products in your country, as digital customer due diligence and AI-driven marketing are expected to change how these services are offered.
Further reading
Learn more about home financing trends in our Residential section.
Live Poll
Is accessing your home equity a wise way to increase your financial security in retirement?
