Responsible Equity Release is one method by which people over 55 years of their age can easily unlock the equity in their homes. This certainly can be done by two different methods – either with lifetime mortgage plans under which you can always receive a lump sum amount but the interest would simply keep on building up or through reversion scheme where company may buy the entire part of your home and you may receive payment as a regular income or lump sum. Both these equity release schemes come with a positive guarantee and you may have to repay back the amount only after your death.