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Age Concern - Equity Release

  A Look at Interest Only Mortgages    

There are various types of equity release plans all of which come with different terms, sometimes only slightly. They are all modified for senior citizens especially retirees who have attained a certain age and own homes or assets which can be turned into equity. The idea is to obtain money from a lender in exchange for a home without vacating, with the projection that the lender will take title of the home after your death.

Plans range from lifetime mortgage, interest only mortgage, and income mortgage which all carry special revised terms. A borrower may opt for a plan which will give them a large amount of cash to use in exchange for the home in which they live, or may choose a plan which entitles them to a monthly income flow until their death. All these plans have one thing in common: they are all deemed complete in death, and that is the only time when a lender can claim a property.

Typical Lifetime Loan Terms

As you already know of some of the terms that apply to retirement mortgages, it is imperative that you understand everything. This type of mortgage is offered only after a person hits the age of 55. For some of the market products you have to be 65 before you can obtain them. The interest only option also cuts a person off at the age of 75 from taking out that particular style of scheme. 

If you find that you do not like the mortgage concept at all there is a different answer in the form of home reversion. It is mentioned here because you need to be 65, at least, in order to enter into home reversion. Home reversion is not a mortgage so you actually pay nothing back at the end of life although the agreement ends then. 

Home reversion is a partial or full sale of a home. This sale is to a lender willing to wait until your death to sell the home on the market. They offer you a percentage of money for your home portion and you live rent free until you move out or death. At the end of the agreement, as long as there is a portion of home remaining to be sold, there is an inheritance. 

This is where another term of the lifetime mortgage comes in. Not all options will provide an inheritance for your family. Some have interest that accrues to such a large amount that the entire home is sold to pay for the mortgage leaving no inheritance behind. This is not the case with the interest only loan. If you want to guarantee your family has some inheritance at the time of your death then you must pay attention to the rules and the interest rates.

Varying Interest Rates for Mortgages 

A fluctuating interest rate is hard to track down. It can lead to trouble in the end. However, if you know what you are paying and you keep the amount you borrow to a minimum then you will be able to find a decent product.

Interest Only Loan

An interest only mortgage is a type of equity release plan (found here) which gives the borrower the option of making monthly payments to the lender for a period of time. The amount paid is not part of repaying the sum borrowed but it serves as interest only. This plan has become popular with many lenders because they feel that they are not just giving money away. It is most considered for assets or homes which are not so up to standard but still have what it takes to be put up for equity.

The one advantage of this plan is that one can buy larger homes at the place of choice. Homes have become more affordable than they used to be after more mechanisms were improvised for making purchases. Also, there will be so much to save even after making interest payments.

This loan for older generations is different from your standard interest only loan. It needs to be said that the traditional type of this loan comes to an end in 10-25 years, but with a lifetime mortgage you have a lifetime of borrowing. The age at which this loan can start is from age 55. 

One thing that puts off people with regards to an interest only mortgage is the unpredictable nature of the rates. By virtue of being adjustable, one cannot be able to know how much they’ll pay as interest and over what period of time. Borrowers must weigh all options before settling on any plan, while some will suit them, others won’t.

Interest Only Mortgage After Age 60    

An interest only mortgage is often a sound financial decision for many couples who are over the age of 60. This is a mortgage that can be taken out to help raise the amount of money a borrower needs, but only requires monthly payments that cover the interest element on the loan. This essentially means that the borrower is protecting the overall value of their home, while keeping a little extra money in their pocket each month. This money is often used to pay off debts or other financial obligations. The interest only mortgage for the over 60s is a sound way to make an investment on your future, but there are also different deals on the table. 

There are several benefits to an interest only mortgage for the over 60s. One of the most noteworthy of these benefits is that the capital value of the home is sustained and only interest is being repaid on the loan. Therefore, there can still be some inheritance left for family members. This is because once the couple or individual has passed away, it is not necessary to sell the house to meet the obligations of the loan. A second major benefit is that the home is still owned by the borrower. Therefore, the borrower(s) can still be away from the home for as long as they like.

Understanding Mortgage Repayment Options

It is important to realize that the mortgage does not have compound interest, but depending on your financial situation a sale to repay the loan may need to happen. While it is very possible for the loan to be repaid with other funds, there is also the situation that only a sale of the house will be the repayment option.

1. If you have life insurance or other funds accessible at death or when you move out of your home, you can repay the principle loan amount without selling the home.

2. If you are cash poor without proper life insurance cover than a sale of the home will be necessary to repay the loan.

3. Your family may also be able to raise the money to repay the mortgage at the end of your life, but this puts a burden upon them. 

Speaking with your family about your decision to take out an interest only lifetime mortgage is important. Your family will ultimately be the responsible party for the loan whether they have to sell the property, come up with the funds, or can use your life insurance or their inheritance to cover it. 

Qualifications Required by Lenders

There are qualifications for an interest only mortgage and they may vary by lender. In essence, the owner(s) of the home must be over 60 years of age and must own the property in question which should be the main residence. Then there are restrictions on the amount of loan that has to be borrowed as well as income type criteria for qualifying.

Alternative Options are Possible

Interest only lifetime mortgages are just one option for individuals over 55 years of age. There are three other lifetime mortgage options called lump sum, ill health, and drawdown. Both lump sum and ill health provide a large one off payment to the borrower based on the housing valuation and a percentage of the equity. Interest is not paid on this loan so there is no need for disposable income. The interest is compounded on the loan until repayment occurs. Ill health lifetime mortgages give out a higher percentage of equity as it is considered that the person will return the money in a shorter time period. 

The drawdown option is a small lump sum payment then instalments as needed. The interest is compounded only on the funds that are used rather than the full equity available for the person to take making it cost effective when you do not want to make payments.

An interest only mortgage for the over 60s usually allows borrowers to maintain a higher amount of disposable income each month, as the loan payments only include interest. This is typically very attractive for borrowers who are over the age of 60 as they can have extra income and still be able to leave their home to a family member or child. When income and spending money becomes tighter with age, an interest only mortgage seems to work very well for those individuals and couples who are entering the golden years of their lives. 

Equity Release Mortgage Set Up Costs   

An equity release mortgage is a way for you to raise money against the value of your home, which is basically a loan with no regular repayments. The provider which loans you the money will be paid back when your property is sold. An equity mortgage can provide you with a lump sum of cash as agreed upon or you can opt for a plan that gives you monthly payments as a regular income.

There are two main types of equity release mortgage plans out there that you can choose from. You can either go with a lifetime mortgage or a home reversion plan. A lifetime mortgage is when you take out a loan against the value of your property but you still have ownership of the property. The second option, which is a home reversion plan, is where you sell off part of your home to a home reversion company. With this option you will have to give up part of or full ownership of your property. 

Consider Mortgage Costs

Before embarking on the road to equity release finance you want to find an equity release mortgage that will allow you minimal set up costs, but that will give you the optimum payout for your initial needs. Do not necessarily take the maximum equity release unless it’s paramount. After all, most people want to get the most out of anything they do in life. As it is a long term financial plan, you need to make sure that an equity release loan is a good option for you. Remember that it is a big commitment and it will also reduce the inheritance you leave behind for your family as your home will be sold to pay the loan. 

The plus side is that you will be able to receive money from your home while still living in it and/or there will be money from your home left behind for your family when you pass away if that is the option you choose. This decision of leaving an inheritance is a troublesome one for many. However, from experience it has shown that if the subject is broached with the children, they are usually pleasantly surprised by your actions. 

Costs of home equity mortgages depend on the version you opt for. It is important that you think about interest rates when going with a mortgage versus a reversion scheme. Home reversion has no interest, while lifetime mortgages do. You will have closing fees as with any real estate; however, the money in either situation is always tax free upon release.

Giving a Little to your Children

It is nice to leave money behind for your family, but sometimes they cannot wait until you pass on to receive their inheritance. A reversion or lifetime mortgage plan allows you to help out your family now. You can provide a small gift of under a certain payment amount to your children each year, without it being considered an inheritance. In this way, your gift goes to your children when they need it. 

Advantages of Equity Release Schemes

• Age Limit of Homeowner - Lifetime mortgage: 55 and above; Home Reversion 65 and above

• Lifetime mortgage has interest but the house remains in your name, whereas home reversion requires a sale of the home in part or full

• There are 4 types of lifetime mortgages that could fit your needs versus the one home reversion choice

• Money in both schemes is tax free and can be used as you see fit such as home improvements, holidays, gifts, and daily use

• The sum of money is paid back upon death or a move to a new home for lifetime mortgage. Under home reversion the house is sold at death or when you move where the remaining portion of unsold home is given as cash to your beneficiaries. 

Details of Lifetime Mortgages

Lifetime mortgages have had limitations on the amount of years they are outstanding. However, if you track the right product it can be a lifetime from 55 until you die or decide to sell the home and move on to a different living facility. 

As part of the lifetime mortgage you can take a lump sum, monthly payments, or pay the interest off right away. There is even a mortgage for someone seriously ill called an enhanced lifetime mortgage plan and suits many who needs more cash right away. With this enhanced lifetime mortgage it is likely to be paid back quicker than your typical lifetime mortgage because of your health condition. Drawdown mortgages ensure you save money on interest by only paying interest on the amount of money used rather than what is available to you.

An equity release mortgage can be a great solution to problems with cash flow later in life. If you are considering taking out an equity release loan on your home, you definitely want to make sure that you have a lot of advice and support in order to avoid any hidden costs and find the best deal available to you.

Paying Off Loans with an Interest Only Mortgage   

We all hope to own a home someday, but sometimes we need products like interest only lifetime mortgage loans. Some of us are financially able to purchase a home while some of us need to take a mortgage out in order to acquire a home for us and our family. Some of us still are able to acquire a mortgage early in our lives and others acquire a mortgage later on in their lives.

The later we acquire a mortgage the more chances there are of us still having a mortgage to pay off in retirement. Paying off a mortgage in retirement can be really difficult, especially based on the fact that retirees no longer have a steady source of income. To these people, an interest only lifetime mortgage can offer a lifeline. An interest only mortgage can help them to repay their mortgage especially if they need to repay it at short notice. 

Research Indications on Mortgages

Research has shown that almost 50% of the people who choose an equity release do so to pay off the current mortgage. Most retirees prefer equity release schemes such as the lifetime mortgage scheme because they can obtain a lump sum amount of money against their home. This amount does not have to be repaid during their lifetime. Only after their death are they required to repay the mortgage. This is normally done through the sale of their property. 

This type of mortgage is only usable for those who are 55 years of age or older. It does provide the opportunity to repay the original mortgage and ensure there is a lifetime to repay the new mortgage. Lump sum lifetime mortgages are just one sample of the options available, as is the interest only type of this mortgage. Since the interest is paid the principle remains the same at the end, unlike the traditional lump sum mortgage that has compounding interest. 

FCA (formerly FSA) Changes to the Market

As the FCA or the Financial Conduct Authority has clamped down on interest only mortgages, many mortgage lenders such as Nationwide, Santander and Woolwich are not extending their mortgages upon the client moving house or at the end of their normal term. This leaves most retirees in the lurch as they have either to sell the house or find alternative finance which is difficult to come by in retirement.

However, certain companies still offer a retirement solution that provides retirees with the funds to pay off their current mortgage so that they can enjoy their retirement years. Two of these companies worth mentioning are Stonehaven and Leeds Building Society. Retirees can obtain interest only lifetime mortgages as well as other forms of equity release schemes from these providers to pay off their current mortgage but also to finance holidays, home improvements, or a new car.

Home Reversion Option

While lump sum and interest only are two types of loans available for retirees, there is also a different option. In this different option the house is sold in part. It might not sound like a great deal, after all you often want a mortgage to avoid selling your home, but the parameters of the sale at least ensure the house is still partially owned by you for your lifetime. It does not leave the home behind for the family; however, you get to stay in the home you paid for over a lifetime. You also get to stay in the house rent free. You do have to keep the house up, but in general there is no repayment worry.

At the end of this option rather than repaying a mortgage through the sale of the house, you sell the remaining portion of the house and that is an inheritance for your beneficiaries. This is a pretty much guaranteed inheritance as it is based on the portion of the house you sell originally. 

Lifetime Vs Home Reversion Equity Release

Home reversion is a scary prospect for those who just spent their life getting a mortgage paid off to own their home. It is also a product that requires the equity release be used to pay any outstanding mortgage in full as you are not allowed to have a mortgage on property you have partially sold.

With interest only lifetime mortgage choices you at least have the option of how to use the money albeit it is wiser to ensure all other financial products are paid for. The point of taking out any equity from your home is to have a comfortable retirement, so speak with advisers, examine the few interest only products on the market, and choose what is truly best for you. 

Interest Only Mortgages for Individuals Over 55  

Interest only mortgages can often prove to be the ideal financial solution for many individuals and couples over the age of 55. An interest only lifetime mortgage can be chosen to help stave off financial troubles, especially those related to increasing debts.

An interest only mortgage is part of a home equity scheme that enables the borrower to pay off only the interest accrued on the mortgage. There are a couple of things that are most important to keep in mind when considering an interest only mortgage. The two biggest things to take notice of are the interest rate and the total amount that is being borrowed. Because interest rates can be variable, they can often get somewhat out of control, leaving the payment much higher than originally anticipated.

The specific mortgage known as an interest only lifetime mortgage is often a great solution for those individuals and couples over the age of 55 or even in retirement. For these folks, an interest only mortgage is one that will factor in the age of the borrower(s). This kind of mortgage allows the borrower to take out an interest only lifetime mortgage to help release the capital that was previously invested in their property and unavailable as cash flow. This capital can then be used toward other debts, financial responsibilities or lifestyle changes. This kind of interest only mortgage can eventually impact the inheritance of the property, but this can often be controlled through very specific products, such as the Stonehaven Interest Select Plan.

Researching Interest Only Options

There are several things to consider before embarking on an interest only mortgage. However, some individuals are unaware that like a conventional mortgage, an interest only lifetime mortgage can be used for a house purchase in London should the applicants age, amount required and type of property fit the property specifications set by the lender.

This extra capital or income can even be used as a very simple way to improve overall quality of life through supplementing pensions or retirement plans. Popularity has risen over the past few years as people opposed to conventional roll-up equity release plans have been researching their options. With affordability in retirement, these people have embarked on plans such as the Halifax Retirement Home Plan and secured an interest only mortgage for the rest of their life.

Exploring Benefits versus Disadvantages

The main reason to take out an interest only loan in any shape or form is to pay off a portion of the loan. In a traditional interest only mortgage a person has 10 years to pay the interest and then the principle balance is due. 

In a lifetime mortgage option there may be no limit on time for the loan; however, the payments of interest are still made until the principle balance is paid in full. In this situation disposable monthly income is required to ensure payments are made. The interest is accrued on a monthly basis, but based on the APR of the loan. For a person looking at this retirement option there needs to be funds that can pay the interest off each month. 

It can be a catch 22 situation because you take out money for daily living, yet have to pay money towards the loan. This is why before you can obtain the interest only mortgage in a lifetime mortgage package, the company will assess your disposable income. You cannot take out the loan if you do not have income rolling in from somewhere else. 

The reason for this type of loan has less to do with daily living expenses and more to do with home repairs, a special holiday, or gifting money to your family members as a means of avoiding inheritance tax payments later on. 

Lifetime Mortgage    

Before you take out a lifetime mortgage of any type you should speak with your family. Let them know what you are considering, why you think it is a good idea, and see what they prefer most. In some cases your family might prefer to keep the childhood home and help you financially than to see it sold to repay the principle balance of the loan you would take out. 

Researching Independently

Speaking with the company offering the financial product is a help to get specific mortgage terms; however, you also need to speak with a financial adviser that is separate from the company. In this way you have more than one perspective, including your families. 

Always discuss your financial situation with a qualified independent financial adviser as these plans are few and far between and require specialist advice to find the right interest only lifetime mortgage plan.

Equity Release in Retirement  

Equity release is becoming a popular product for those who are planning their retirement. Equity release schemes are flexible and are there to provide either a lump sum of money or an extra income each month. Equity release schemes are aimed at the ages of 55 and over. Equity allows you to release the money that may be trapped in your home. You have the choice of a home reversion plan which is where you can sell part of your home in return for money. The money is recouped when you die or go into long term care and your house is sold. Compare equity release schemes to determine the best possible outcome for you and your situation as you have more than one option.

The other option is a lifetime mortgage. Money is given out as a loan and is paid back once your house sold. You also have the option of paying back some of the loan through your life depending on the type of lifetime mortgage that you choose. As equity release is popular providers are now offering special deals for you to take advantage of. 

Compare Equity Release Schemes 

With Aviva Lifestyle Flexible option they will offer a drawdown lifetime mortgage that has a fixed interest rate for the remainder of your life. A drawdown plan is based on your age and property value. You will then be given a cash facility where you are able to decide how to draw the money. With this plan you are also able to protect your inheritance and add this as an option. The fixed interest rate that they are offering starts at 5.68%. (5.88% representative APR)

Hodge Lifetime also have a special running with their Lifetime Flexible Drawdown Plan which is in essence a roll up equity release scheme that will give out an initial sum of money and the cash facility can be drawn from later on. The plan also has a downsizing protection option that means if you move house after 5 years and downsize you will not be required to pay any early repayment charges. If you downsize before 5 years then you will enjoy a reduced penalty fee of the original amount borrowed. They will also provide a free valuation of up to £350,000, thus Hodge provides the flexibility that you may need.

Stonehaven is another company offering equity release schemes and offer the Stonehaven Interest Select plan which provides individuals over the age of 55 to get an interest only lifetime mortgage that will last through their retirement. They accept monthly interest repayments, so that the balance is level and you can pay the minimum of £25 per month or the entire amount each month. Also if you need to stop making payments then the interest will just start rolling up. Interest rates from Stonehaven start from 5.94% as of April 2014.

Home Reversion and Lifetime Mortgage

Under separate categories it is important to consider the advantages and disadvantages of your options. You already have some information about the plans available, yet you still need to look at it from a cut and dried perspective. 

Home reversion requires a part of your home to be sold. Under this plan you gain a lower percentage of your home value than it truly is. This percentage is based on the number of years you might remain in the home. At the end you sell the remaining part of your home hoping the value remains the same or increases so your beneficiaries see a higher inheritance. They cannot own the home unless they wish to buy back the portion already sold. This is usually at current market cost and is not very cost effective. 

Lifetime mortgages offer better options in terms of getting a package that suits you more as you can see with Hodge, Stonehaven, and Aviva. You can elect to pay some interest, take a smaller lump sum with monthly payments, or simply hold off on repayment until you are ready to sell or all homeowners pass on. The disadvantage is that repayment does have to be made, which could sell the family home as a means of the repayment leaving no inheritance or very little inheritance behind.

If you are looking at retirement then you should take advantage of these offers whilst you can. It is very important that you compare equity release schemes in order to determine the best possible policy and setup for you. Always speak with a financial adviser and your family to ensure you have made the right choice. 

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