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Equity release allows you to release some of your home’s value, tax-free. You can take the maximum available to you in one go, or in smaller amounts as and when you need it. You will not have to sell the property while you are living there and, with certain equity release products, you won’t have to make payments during the lifetime of the loan.

There are two types of equity release: lifetime mortgages and home reversion plans.

It is important to understand that interest is charged on the total loan amount plus any interest already charged. If you choose the lifetime mortgage route and roll up the interest, the amount you owe can grow quickly and reduces the equity left in the property.

The loan is repaid in full, along with the interest built up, from the sale of the property, or when you die or move into long-term care. If you make a joint application, then the sale happens when the last-named person, living in the property dies or moves into long-term care.

Equity Release