Are you one of the millions of older homeowners who live in a valuable property – but still have to juggle your expenses and sometimes find it’s a struggle to pay all your bills? Perhaps you have a reasonable lifestyle, but still can’t quite afford some of the comforts and luxuries that you’ve been promising yourself for many years, or perhaps you need to pay for something expensive you can’t afford, but can’t avoid.

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What is Equity Release?

Are you thinking of raising money from your home but worried whether Equity Release is right for you?

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Home Reversion Plans

If you’re aged 63 or over (or the youngest partner in a couple is at least 63) with this type of plan you can sell all or part the equity in your home, for a tax-free cash lump sum. In return you’ll receive a legal agreement which guarantees that you continue to live in your home, rent-free, for as long as you wish.

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Lifetime Mortgage Plans (Roll-Up)

If you’re aged 55 or over (or the youngest partner in a couple is at least 55), with Roll-Up type of Lifetime Mortgage plan you can borrow money secured against the value of your home, without ever making any monthly repayments.

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Lifetime Mortgage Plans (Interest Only)

With Interest Only Lifetime Mortgage Plan you pay the interest every month on the amount you’ve borrowed. This is different from the Lifetime Mortgage Plan where no monthly repayments are required. But because you’re paying the interest each month, the capital amount you’ve borrowed never increases.

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Esther Rantzen investigates Equity Release...

Equity Release Schemes | Lifetime Mortgages UK | Home Reversion Plans