Lifetime Mortgage and Home Reversion Plans
If you are over 55 you could benefit from the equity in your home without moving from it and use the money to:
• Improve your lifestyle• Generate income
• Help family members
• Undertake home improvements
• Repay debt
• Pay for medical treatment
Lifetime Mortgage
This is a lifetime loan secured against your home (or other property). There are no repayments (interest is rolled up and added to the loan) until you die or go into long-term care when the property is sold and the loan, plus any accrued interest, is redeemed. At that point any residual value would go to your estate.
Home Reversion Plan
This involves selling your home, or a portion of your home for a cash lump sum to a Home Reversion plan provider. You continue to live in your home, rent-free until you die, or go into long-term care; at that point the property reverts to the Home Reversion Plan provider.
Caution!
Drawing the value from your home is a matter to be considered seriously. Some types of equity release may affect your right to state benefits and all types will affect the value of your estate upon your death.
The amount available to you under these schemes will be dependent upon your age, health, marital status and the value of your home. Full details and quotations available upon request.
Call 0121 704 3191... ask for Michael Fox