There are a few reasons why you might be unable take out an Equity Release plan, including:  - The property not meeting the right criteria: this might be the location, type of property, condition of the property, or the type of construction.  - How you plan to spend the money released: providers need to be aware of their responsible lending obligations, which means that if you plan to invest the cash you have released on something considered high-risk (e.g., cryptocurrency), you may be refused.  - Hidden bad credit: although you can get an Equity Release plan with bad credit, you should disclose things like bankruptcy, County Court Judgements, or debt management plans so your adviser has all the pertinent information to help you.