If your current mortgage provider doesn't want you anymore then an Equity Release Lifetime Mortgage could be the answer.
It's your choice what you spend the tax free cash on; a Dream Holiday, a Classic Motorbike, A Yacht, a Motorhome, a Woodland Lodge, A Spanish Villa, a Static Caravan ...
When you Release Equity it's your money, it's tax free and you choose where you spend or invest it.
You can choose to help your children or grandchildren.
(Your philosophy could be you prefer to see your family enjoy their inheritance rather than just leave it to them in your will)
You might pay for Home deposits, University fees or just provide financial help as all parents would if they could.