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Different types of Equity Release
Ask how much you can borrowThere are two main types of Equity Release plans – lifetime mortgages and home reversion plans. You may also see lifetime mortgages split down into lifetime mortgages, drawdown lifetime mortgages and interest only lifetime mortgages. As always, professional advice will identify the plan most suitable to your requirements.
Lifetime Mortgages
A lifetime mortgage could provide a tax free lump sum and enables you to retain 100% ownership of your property. The loan, including roll up interest, is repaid, when you or the last surviving applicant passes away or moves into long term residential care. The drawdown option allows you to draw down in stages following an initial lump sum release, and allows you to access the money when you need it; the interest only option allows you to make repayments to cover the interest.
Find out moreHome Reversion Plans
A home reversion plan means that you sell some or all of your property to a reversion company. You can stay in the property, rent free until you die or go into long term residential care. You generally need to be 65 or over to qualify for a home reversion plan.
Find out moreProfessional advice
You can see that there are different types of Equity Release plans, which is good because it means that we can find one that is most suited to your circumstances and needs. It also means that professional advice is very important in explaining to you what each plan does and its implications for you, your family and your future.
Get in touchWhat my customers say about working with me
“A couple in their late 60s were happy to use equity release to clear their mortgage and give them a better quality of life. They were really impressed with the service provided for them by Kevin, his assistant Samantha and their associated equity release solicitors. 'It was all very speedy and efficient with no problems at all. Even though we were overseas during much of the process, we were kept informed throughout and always treated respectfully. Kevin is efficient, friendly and professional and we have been really pleased with everything he has done for us.'”
A couple in their late 60s
What my customers say about working with me
“A couple in their late 60s were happy to use equity release to clear their mortgage and give them a better quality of life. They were really impressed with the service provided for them by Kevin, his assistant Samantha and their associated equity release solicitors. 'It was all very speedy and efficient with no problems at all. Even though we were overseas during much of the process, we were kept informed throughout and always treated respectfully. Kevin is efficient, friendly and professional and we have been really pleased with everything he has done for us.'”
A couple in their late 60s
Why not get in touch and see how we can help?
Equity release could be the answer to some of your financial questions. If you would like to know more about it, and see if it could be the right option for you, please book an appointment or request a call-back
Providers include
Equity release will reduce the value of your estate and may also affect your entitlement to means-tested benefits. You should always think carefully before securing a loan against your home.
Unless you decide to go ahead with a plan, our service is completely free of charge, as our fixed advice fee of £1,695 is only payable on completion of a plan.
A lifetime mortgage is the most popular form of equity release, and is a loan secured against your home that’s typically repaid when you pass away or go into long-term care.
