AI Receptionist for equity release advisers
Equity release clients need to speak to an adviser. Ava makes sure they reach yours.
Ava is the AI receptionist for equity release advisers that captures every new enquiry and books the initial consultation.
Equity release advisers see a surge in enquiries each spring — missing two or three calls a week during peak periods at £2,000–£5,000 procuration each compounds quickly.
The short answer
- £2,000–£5,000: typical procuration fee per equity release case — the revenue lost each time an enquiry hits voicemail and the caller moves to a more responsive adviser.
- 2–3 calls a week missed during spring peak periods compounds quickly at £2,000–£5,000 procuration each. Ava answers every enquiry, every day.
- 55+: the minimum age for most equity release products. Ava captures the caller's situation and age context without advising on eligibility.
- 2 ERC consumer protections Ava can mention factually — the no negative equity guarantee and the right to remain in the property — to reassure callers before booking.
- 0 equity release advice, suitability assessment, or product recommendations from Ava — all substantive questions go to your FCA-authorised, ERC member adviser.
The problem
A 67-year-old homeowner wants to release equity from their property to help their children onto the housing ladder. They've done their research. They ring an equity release adviser. The call goes to voicemail.
What Ava does
Ava answers every equity release enquiry, captures the caller's situation and what they are hoping to achieve, and books a consultation with your qualified adviser — so this significant, life-changing decision is guided by the right professional from the start.
An equity release case typically generates £2,000–£5,000 in procuration. Equity release clients also often benefit from wider financial planning advice. Miss the enquiry and miss the relationship.
How does Ava handle an equity release enquiry?
Ava answers immediately, acknowledges that equity release is an important decision, captures the broad nature of what the caller wants to achieve — supplement income, gift to family, home improvements, or a specific purchase — notes the caller's approximate age if volunteered, and books a consultation with your qualified adviser. She does not advise on suitability, loan-to-value, or product terms.
Equity release callers are typically in their 60s or 70s and have often done considerable research before calling. They may have questions about the no negative equity guarantee, whether they can still leave property to their children, or how interest rolls up over time. Ava acknowledges these are important questions the adviser will address fully.
The purpose of the equity release shapes the consultation. Gifting to a child struggling to buy a home is a different conversation from funding care costs or supplementing retirement income. Ava captures the broad purpose so the adviser arrives knowing the context.
Family members sometimes call on behalf of an older parent. Ava captures that situation and notes it in the lead, so the adviser can approach the consultation with appropriate awareness of the dynamics.
What are the FCA and Equity Release Council standards that govern equity release advice?
Equity release is FCA-regulated and the Equity Release Council (ERC) sets product and advice standards for member firms. Key consumer protections include the no negative equity guarantee, the right to remain in the property for life, and the right to move to a suitable alternative property. Ava can mention these protections factually but does not advise on suitability.
The no negative equity guarantee means the borrower (or their estate) will never owe more than the value of the property, regardless of how long the plan runs or how interest compounds. This is a fundamental ERC standard and a common caller concern. Ava can mention this protection when a caller raises the question, confirming the adviser will explain it in full.
The minimum age for most equity release products is 55, though some lenders require 60. Property eligibility, loan-to-value limits, and interest rate terms all depend on individual circumstances and product specifics — all of which the adviser covers in the consultation.
Ava is aware of these consumer protections at a factual level and can reassure callers that these safeguards exist. She does not advise on whether a specific product is right for a specific caller — that is the adviser's role.
Can Ava reassure callers about equity release and what it means for their estate?
Ava can confirm factually that ERC member products include the no negative equity guarantee and the right to remain in the property for life. She does not advise on estate planning, inheritance tax implications, or whether equity release is appropriate for a specific caller's estate objectives. Those questions go to the adviser.
A common concern is whether taking equity release will mean nothing is left for children. Ava can acknowledge the concern and confirm the no negative equity guarantee means the caller's estate will not owe more than the property is worth. The full conversation about estate implications belongs in the consultation.
Inheritance tax, trust planning, and intergenerational wealth transfer are areas where professional advice is essential. Equity release intersects with all of these. Ava captures the concern and routes it to the adviser with the context noted.
Callers who have already taken legal or financial advice from other sources may also call with specific questions. Ava routes all substantive questions to the adviser regardless of the source, ensuring consistency and compliance.
Does Ava give equity release advice or recommend specific products?
No. Ava captures the enquiry and books the consultation with your FCA-authorised, ERC member adviser. She does not advise on product suitability, loan-to-value, interest roll-up calculations, or any aspect of equity release planning. All of that is regulated financial advice and belongs with the qualified adviser.
Equity release advice is one of the most significant financial decisions a person can make. The products are regulated by the FCA and the ERC's standards, and the advice must be provided by a qualified, authorised adviser who holds the appropriate equity release qualification.
Ava's role is to ensure the caller reaches that adviser promptly and with the right context captured. She does not attempt to explain the product in detail, compare plan types, or assess whether equity release is appropriate for the caller's situation.
The caller's wellbeing and financial security are best served by thorough, qualified advice — not by an AI receptionist attempting to answer substantive questions about an irreversible financial commitment.
£2,000–£5,000
Typical procuration fee per equity release case
UK equity release market estimate
55+
Minimum age for most equity release products under ERC standards
Equity Release Council product standards
24/7
Hours Ava captures equity release enquiries — including evenings when callers research
avacallai service definition
The difference
Voicemail takes a message. Ava books the appointment.
What callers ring about
Every equity release call, handled.
- Lifetime mortgage enquiries
- Home reversion plan questions
- Gifting to family consultations
- Equity release eligibility questions
Hear it in action
This is what your callers hear.
- Good afternoon, Sovereign Equity — how can I help you?
- Hi, I own my home outright and I'm thinking about releasing some equity to help my son buy his first home. I'm 67 and I want to understand my options.
- That sounds like a very thoughtful reason to explore equity release. Our adviser can walk you through exactly how it works and what protections are in place. Can I take your name and a contact number and book you in for a consultation?
- Yes — Brian Foster, 07777 890123.
- Thank you Brian. Our adviser has availability Wednesday afternoon or Friday morning this week — which works better for you?
Before you choose
What to look for in an AI receptionist for equity release.
ERC membership and FCA authorisation
Equity release advice must come from an FCA-authorised adviser who holds the appropriate qualification and is a member of the Equity Release Council. Verify that the AI routes all advice questions to such an adviser.
Sensitive, unhurried tone
Equity release callers are typically older and making a significant, often irreversible decision. The AI must sound patient and considerate, not transactional. Ask to hear it handle a call from a 68-year-old caller before committing.
Purpose capture
The AI should capture why the caller is considering equity release — income supplement, gifting, home improvements, care funding. That context shapes the adviser consultation materially.
ERC protections — factual only
The AI may mention the no negative equity guarantee and the right to remain in the property as factual reassurance, but must not advise on product suitability, loan-to-value, or estate implications. All of that goes to the adviser.
Common questions
Everything you’re wondering.
Does Ava give equity release advice or recommend specific products?
No. Ava captures the enquiry and books a consultation with your FCA-authorised, ERC member adviser. She does not advise on equity release suitability, loan-to-value ratios, interest roll-up, or product selection. All of that is regulated financial advice provided by the qualified adviser.
What does Ava capture from an equity release enquiry call?
The broad purpose of the enquiry (income supplement, gifting to family, home improvements, care costs), the caller's approximate age if volunteered, any specific concerns they mention, their contact details, and a preferred consultation time.
Can Ava mention the no negative equity guarantee?
Yes — as a factual reassurance that this ERC consumer protection exists. She confirms the adviser will explain it fully in the consultation. She does not advise on how it applies to a specific caller's situation.
What if a family member calls on behalf of an elderly parent?
Ava captures that the call is on behalf of a third party, notes the parent's situation as described, and books a consultation for all relevant parties. She flags this in the lead so the adviser is aware of the family context before the meeting.
Can Ava handle concerns about what equity release means for inheritance?
She acknowledges the concern, mentions that ERC member products include the no negative equity guarantee, and confirms the adviser will discuss the estate implications fully. She does not advise on inheritance tax or estate planning.
Can Ava answer questions about the minimum age for equity release?
She can confirm that most equity release products are available from age 55 and that the adviser will establish eligibility based on the caller's specific circumstances and the property. She does not confirm or deny eligibility for a specific caller.
What about home reversion plan enquiries versus lifetime mortgages?
Ava captures the enquiry type if the caller mentions it. She does not compare the two product types, advise on which is more suitable, or explain the differences in detail — that is the adviser's role in the consultation.
How quickly can Ava go live for an equity release adviser?
Typically within 48 hours. We train her on your firm name, adviser availability, ERC membership, and service scope, connect her to your CRM and calendar, and test against real equity release enquiry scenarios before she takes a live call.
Pricing
Ava pays for herself on call one.
An equity release case typically generates £2,000–£5,000 in procuration. Equity release clients also often benefit from wider financial planning advice. Miss the enquiry and miss the relationship. Plans from £397/mo. One recovered job a month covers it — everything else is pure upside.
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