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National Equity Release Pension Conference

Calculate the equity in my home

How to get money from your home

Traditionally, you have three ways in which you can make money from your home: selling it, and moving somewhere else; renting it out, and moving as well; and renting out a room or portion of your property, and living with a stranger.

Equity release deals are very popular today as a very convenient option for elder people to access money for a number of purposes. It is a very interesting alternative to the usual method of selling property and downsizing, and for many good reasons. In essence, an equity release deal allows elderly people to get money from their properties while at the same time still live in those propertis for the rest of their lives or until they move to long term care. 

This isn’t minor, since many people over 55 years old live in a home that has a deep meaning to them. They are often family homes with years and years of memories and good times lived there, and many wouldn’t like to move just because the need more money, or they could use some to live a more fullfilling and dignified retirement. 

With an equity release scheme, you can benefit from the value of your home in the form of money while at the same time enjoy living in your beloved place for as long as you want. This has made equity release deals, also known as reverse mortgages, very attractive to a large sector of the population.

How to access an equity release deal

If you are interested in the benefits an equity release deals has to offer, you must first of all do some research and find out how it actually works and which options you have. Under the name of "equity release deals" you have a range of financial services and some will be more convenient than others depending on your particular situation and your interest. Once you have an idea on what your options are, it is reccommendable that you get a professional advisor to show you the best things you can do and explain why. 

This is because the elderly population are sometimes targeted by inescrupulous lenders because they are seen as vulnerable people. There are some good lenders out there, but you aren’t likely to tell them apart without trained help. 

Also, and advisor should tell you about your rights, like The Three-Day Cancellation Rule or the No Negative Equity Guarantee. These are terms that sometimes should apply to all deals, so you should request they are respected, otherwise drop from the deal immediately. The first rule fits into that category. The second one isn’t mandatory, but utterly convenient, so if you are between two or more lenders, you can consider discarding those that don’t offer this guarantee.

Your advisor should also help you understand how these deals affect your capital gains, whether or not they are deductible, and if deals you are offered with can serve as Cash-Out Refinance Home Loans to help you out of previous debt.

How much can you get from an equity release deal?

The first thing you have to know is that you will never get from an equity release deal as much equity as you have from your home. So the questions "how much equity does my house have?" and "how much can I get?" have different answers. The only way to get full equity from your home is to sell it at the market value with no standing debt from mortgages or any other loan of the like.

Equity of a home is calculated by finding out the market value and substracting all standing debt on it. Equity release deals should help you get your hands on part of that value, in cash or some sort of fund you can access. You can also opt to release only part of the equity, thus retaining a portion of the ownership of your home. Some deals even offer you to take as much as you want as time goes by, so you can keep some control on what portion of your home you actually give up in the end.

How much equity you can release will depend on a number of factors, not only the value of your home. The older you are, for example, the more you are likely to get. Also, interest rates play a big part in how much of that equity actually gets to your hands. More convenient interest rates and a drowdown scheme will help you keep your debt under control, white lump sums are a good option if you want to get as much as possible.


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  • Equity Release Plans Online
  • An Easier Retirement
  • Various Equity Release Solutions for Pensioners
  • Discover the bounty that lies beneath equity release
  • A Brief History on the Growth of Equity Release
  • Brighten up your financial portfolio with equity release
  • Why property owners should request an equity release guide
  • Get True Value from your Investment
  • Can I get an online equity release quote?
  • Make your home sparkle today
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  • Evaluate Different Equity Release Plans Before You Invest In Any
  • Equity release tips for the financially savvy
  • Different types of annuity
  • Understanding the Costs of Care for the Elderly in Their Own Home
  • Assessing your ability to pay for Long Term Care
  • Charitable Funding for UK Care Fees
  • How Care Fees Can be Affected by Rules Governing Deprivation of Capital
  • Where can Carers Turn for Help in Providing Long Term Care for the Elderly?
  • Paying for Your Long Term Care in Scotland
  • The Provision of Elderly Care
  • Legal Reassurance for Those in Elderly Care
  • Government Proposal to Secure Long Term Care Fees on Your Home
  • How The Dilnot Report Affects Long Term Care
  • Can You Reclaim the Cost of Residential Care?
  • The Regulation of Long Term Care Homes
  • Is the Government Finally Going to Change Legislation on Elderly Care?
  • Home loans to help pay for elderly Long Term Care
  • Deadline Looming to Reclaim Entitlement to Care Home Fees
  • Is the Social Care Insurance Scheme the answer to care costs?
  • The Purchase of a Care Plan can Help Protect your Beneficiaries
  • Financial and Elderly Care Assessments
  • How Your Home is Affected by the 12 Week Property Disregard
  • Local Authority View on Deliberate Deprivation of Assets
  • Point of Care Long Term Care Annuities
  • Pre Funded Long Term Care Insurance Products
  • Using Investments to Pay for Residential Care
  • Long Term Dementia Care
  • Using Your Property to Pay for Elderly Care
  • How to Survive Being a Carer for the Elderly
  • What are the typical costs for providing Care for the elderly
  • Interest Only Lifetime Mortgage
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  • Who are the Best Annuity Providers?
  • How Can Your Lifestyle Impact on Your Annuity Rate?
  • Do You Qualify for an Enhanced Annuity?
  • Alternative Annuities: Are They More Flexible for Income in Retirement?
  • Questions to Ask Yourself Before Committing to Purchase Your Annuity
  • Equity Release in the UK Property Market
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  • What is the Role of the Equity Release Solicitor and Do They Offer Advice?
  • Annuity Products Guide
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  • Basics of buying an Annuity.
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  • Raising Standards of Advice in the Lifetime Mortgage Market
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  • The Alternatives to Releasing Equity
  • Advice on Which Equity Release Schemes Have No Early Repayment Charges
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  • Where Can I Find Information on Halifax Retirement Mortgages
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  • How Can the Retirement Mortgages and Equity Release Schemes Help the Baby Boomer Generation
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  • Benefits of Using an Online Lifetime Mortgage Calculator
  • Handling the Legal Affairs of an Equity Release Application
  • Knowing the True Value of Equity Release in Your House
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  • Hodge Shared Growth Option Revealed
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  • The dangers that are Associated with a Drawdown Lifetime Mortgage
  • Fresh Competition From Hodge Lifetime in the Interest Only Lifetime Mortgage
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  • How Stonehaven Helps You to Fund the Education of Your Children
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  • Determining How Much Money can be Obtained from Home Reversion Plans
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  • Using a Lifetime Mortgage or Equity Release Calculator
  • What to Know when Choosing Best Equity Release Interest Rates
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  • Legal Viewpoint of the Lifetime Mortgage Application Process
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  • How does SHIP (Safe Home Income Plans) Provide Protection to Equity Release Customers?
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  • Understanding Some Important Facts About Halifax Equity Release
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  • Finding the Best Home Reversion Schemes for You
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  • Why You Should Consider Equity Release Schemes
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  • Know More about Equity Release Schemes
  • An Introduction to Stonehaven Equity Release Schemes
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  • What is Equity Release: Understanding the Basics
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  • The Virtues of Using a Lifetime Mortgage Calculator
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  • Two Different Sides to an Equity Release Mortgage
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  • Are Stonehaven the Only Company Offering a Retirement Mortgage Plan?
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  • Find the latest Lifetime Mortgage Deals
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  • Interest Only Mortgages for Individuals Over 55
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  • Benefiting From an Interest Only Mortgage After Age 60
  • What is an Interest Only Mortgage?
  • A Look at Interest Only Mortgages
  • The pros and cons of an Interest Only Lifetime Mortgage
  • What Options Do I Have to Pay off an Interest Only Mortgage?
  • Interest Only Mortgages Help Us Finance Our Housing Dream
  • Why Arent More People Considering a Pensioner Mortgage?
  • Threat for Pension Mortgage Holders
  • Do Halifax Still Offer Mortgages for People in Retirement
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  • The Difficulties of Obtaining a Mortgage in Retirement
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  • Can a Pensioner Still Get a Retirement Mortgage?
  • How to Find a Mortgage for Someone Aged 60 Plus
  • Where Can I Obtain a Pensioner Mortgage to Help Purchase My New Retirement Home?
  • Factors to Consider before Taking a Mortgage into Retirement
  • The Scary Term: Mortgage in Retirement!
  • Surely I Cannot Have a Mortgage in Retirement?
  • The Value in Mortgages for Pensioners
  • Market Review of the Stonehaven Interest Select Lite Plan
  • Consider an Interest-only Lifetime Mortgage
  • A Lifetime Mortgage for Retirement
  • Interest Only Lifetime Mortgage Inheritance Protection
  • Understanding a Lifetime Mortgage or also known as a Reverse Mortgage
  • All Lifetime Mortgages Explained
  • Releasing Equity for Mobility with Lifetime Mortgages
  • The Definition and Types of Lifetime Mortgages
  • Lifetime Mortgage Explained
  • Dont Be Afraid to Ask a Question about Your Lifetime Mortgage!
  • Time for a Lifetime Mortgage Review
  • A Lifetime Mortgage to Release Equity
  • How Your Health Can Affect a Lifetime Mortgage
  • Which is the Best Lifetime Mortgage product?
  • Get the Latest Lifetime Mortgage Rates Now
  • Why Should You Choose an Equity Release Lifetime Mortgage
  • Compare Lifetime Mortgages
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  • What is a Financial Introducer?
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  • Is equity release safe?
  • Buy To Let Second Home Equity Release
  • Equity release for pensioners in retirement
  • Plan for retirement with better rates of Equity Release
  • Equity Release Calculator
  • Compare Equity Release
  • Equity Release rates
  • Compare the equity release market
  • Compare Drawdown Mortgages
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  • Compare Home Reversion Mortgages
  • Benefits of equity release
  • Calculate the equity in my home
  • reverse mortgages calculator
  • Best home revision plan with under 3 percent interest rates

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