Later Life Mortgages

There are two types of Later life mortgages, which are also known as equity release:

A Lifetime mortgage: where you take out a mortgage on your property while retaining ownership. The loan (plus interest) is paid back on death or if you move into care.

A Home Reversion: where you sell part or all of your home in return for a lump sum or regular payments. You can stay living in the property, but it will be sold when you die or move into care, and the proceeds shared appropriately.

Later Life mortgages may be suitable for homeowners looking to access the equity in their homes, perhaps to support a more comfortable retirement, or cover the cost of home improvements. They can also be a valuable part of an overall wealth management plan, which means it’s important to seek profesional, independent advice first.

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