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An equity release plan allows you to access some of the value of your home, tax-free, without having to sell up.
This, giving you money in later-life to spend responsibly.
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Is Equity Release Right for You?
Equity release could be right for you if you’re retired or a home-owner over 55, bought your property a number of years ago, and are looking for a lump sum or a facility with accessible cash.
Reasons To Consider Equity Release
Popular Reasons for Releasing Cash:
- Add to your retirement income.
- Pay off your credit debts or loans.
- Gifting money to family.
- Paying off an existing mortgage.
- Going on that dream holiday.
- Upgrading your car.
- Making home & garden improvements.
Benefits Of Equity Release
What Are the Benefits?
- Receive a tax-free cash lump sum.
- You’ll never owe more than your home’s value.
- You won’t lose your home.
- You will receive independent legal advice from a solicitor of your choice.
- Typically no monthly repayments to make (unless you want to).
- You can spend the money however you like, as long as it’s legal.
- You can stay in your home for as long as you choose – for the remainder of your life.
- You can move house with Equity Release Council approved plans (subject to criteria).
- The option to guarantee an inheritance for your family with some plans.
Disadvantages Of Equity Release
What Are the Disadvantages?
- Equity Release will impact the amount of inheritance you can leave.
- Equity Release will impact on your entitlement to means tested benefits now or in the future.
- Equity Release may not be suitable for everyone, which is why your advisor will ask you to consider other options before proceeding.
- Equity Release is a lifelong commitment and some plans may have early repayment charges. This can be discussed with your advisor.
- Equity Release can be a considerably high cost form of borrowing if interest rolls up due to compounding. However, all new plans allow you to make repayments to control the roll up of interest.
- You may want to discuss the option of equity release with your loved ones, to make them aware that it’s something you’re considering.
- Equity Release may require set up fees.
- Once you’ve taken out an equity release plan, no other borrowing can be taken out using your home as security.
- Advice is required before proceeding with equity release.
What Retirement Mortgage Do You Want To Learn About?
Unlock the Value in Your Home.
Everything You Need to Know. What’s the Process?
Everything You Need to Know. What’s the Process?
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