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Equity release schemes enable you to release cash from the value of your home in later life, to help fund your retirement or pay for an unforeseen expense. It can be a helpful form of finance in certain circumstances, but will not be suitable for everyone. There are two types of equity release:
Lifetime mortgages (generally only available to those aged 55 and over): Allows you to borrow a proportion of your home's value. Interest is charged on the amount, but nothing usually has to be paid back until you die or sell your home. Home reversion schemes.
Home reversion: (usually only available to those aged 65 and over): Involves you selling a share of your house to a provider for less than the market value, and you can remain living in your home until you die or move to a retirement home. When the property is sold, the provider will receive the same share they originally bought for whatever the home sells for as repayment.
If you think equity release could be a good finance option for you, book a free appointment with one of our friendly mortgage advisors. Our brokers are available 7 days a week to meet or chat at a time and place to suit you.
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