Equity Release

Equity release is a means of releasing money tied up in your home whilst still living in it. It is an option for the over 55’s. A mortgage doesn’t need to have been paid off to release equity and it can be received in a lump sum, small amounts or as a combination of both.

There are 2 equity release options:-

  1. Lifetime Mortgage – This is where you take out a mortgage secured on your property, whilst still retaining ownership. The loan amount and any interest accrued is paid off when you die or if you need to move into a care home.
  2. Home Reversion – This is where you sell part or all of your home to a home reversion provider and they either pay you a lump sum or pay you in instalments. You can live in the property rent free for the rest of your life, providing you maintain and insure it, or until you have to move permanently into care.
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Please note that Equity Release will reduce the value of your estate and can affect your eligibility for means tested benefits

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