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Equity Release Options Available

Lifetime Mortgage

This is the most popular option, where you get a tax-free lump sum loan from your home. You continue to own your home, but interest is applied on the loan and will need to be repaid after your death or on entering long term care.

Drawdown Lifetime Mortgage

Just like the Lifetime Mortgage, you continue to own your home after you release money from it. Again interest will be applied and will need to be repaid. However, here you have a little more flexibility. You can release money over time as and when you need it, instead of in one big lump sum.

Interest Only Lifetime Mortgage

This type of plan is just like a normal Lifetime Mortgage, where you get a tax-free lump sum and continue to own your home. However, with an Interest Only Lifetime Mortgage you have the freedom to make repayments to the plan. This will help lower the effect of the interest on the value of your property.

Home Reversion Plan

This type of plan is different from a Lifetime Mortgage as you give up the ownership of some of your property for a tax-free lump sum. You also have to be age 65 or over to take out this kind of plan. You still get to stay in your property, and you don’t have to pay any rent to the lender.

Home Movers

First Time Buyers