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National Equity Release Pension Conference

Equity Release Explained

  Most home owners whose monthly income may not be sufficient to meet their daily needs during their retirement are not aware that they can obtain or release equity or money that is tied up in their property. An equity release scheme makes it possible for them to do so which is why an equity release scheme can prove to be very beneficial to retirees. Their property, which is used as collateral, is the basis that a retiree uses to qualify for an equity release scheme. The home owner can obtain a loan against the property via a lifetime mortgage scheme, or they can also choose to sell the property with a home reversion plan, either way generating an income for themself. 

Equity Release Sourcing Tool

There are many different equity release providers on the market which is why you need to be able to compare the pros and the cons of each one if you are to choose the best provider with the best scheme which will be able to meet your needs. Equity release sourcing tools are the way to go about doing this.

By using an equity release sourcing tool, you will be able to compare the schemes offered by the providers. Many websites make use of the click here button to grant access to visitors to the equity release souring tool. The sourcing tool will help you to find the schemes that are the most relevant to you and that best apply to your situation. In order for the tool to work properly, you will need to provide it with relevant information.

Many websites that provide equity release sourcing do not offer the home owner sufficient information; however, the better websites provide an informed analysis of the interest rates and insight to the different providers and their offers. It is very important that equity release sourcing should not be confused with obtaining professional financial advice. The equity wizard sourcing tool will be helpful in the decision making process but the home owner should base his final decision on the advice that he receives from a professional and qualified equity release adviser.

Facts on Equity Release 

Research is only as good as you make it. A wonderful sourcing tool can help you find the different plans and providers, but until you know specifics about the different products it is going to be difficult to determine how to proceed. 

Home reversion is one type of product that will be mentioned online. It is a plan where you sell a part of your home or the entire home to a lender. This lender then grants you free rental living in your home for the duration of your life or until you decide to move out, most often to a care facility. In this scenario you do not own your home in full anymore. It cannot be left as inheritance for your family. They could pay for the portion you sold as a means of getting it back, but the price is often much higher than what you received as the lump sum payment. It is not the most cost effective concept.

Lifetime mortgages are different. There is a potential to keep the house for your family, as long as the mortgage can be repaid at the end of your life or when you move out without selling the home. All too often the home has to be sold to repay the mortgage. A few ways to keep this from happening do exist such as taking out life insurance that covers outstanding mortgages or utilising a different type of lifetime mortgage. Interest only and drawdown mortgages help you keep the sum you owe in check. 

In one scenario you pay the interest on the mortgage making a payment each month while the principle balance never increases. In the drawdown mortgage you take out only the money you want to use and leave the rest in an account to draw from. Depending on what you withdraw from the account, you will have interest to pay. As it is not the entire amount available just on what you withdrew you can keep the interest to a minimum. 

You can turn your retirement dream into a reality if you choose the right equity release scheme. You will be provided with sufficient funds to do the things that you always wanted to do but were not able to do so in your earlier life. Just click here to gain more details on the plans.

Real Deal on Equity Release

When it comes to calculating the real value of your property and the amount you can get from a lender, it can be quite confusing. There is no clear path to calculating the exact amount you can receive for your property even with the most modern calculators. What you can get is just a mere approximation which may sometimes disappoint you or favour you. Periodical valuation of property by markets makes it difficult to analyze the real amount worth a home or any property. This is extremely important when trying to find the maximum equity release lump sum from a lifetime mortgage. 

It is the dream of every home owner seeking equity release to get the maximum value for their property but attaining that fete can be quite a challenge. To obtain maximum equity release lump sum for a property is by luck rather than it is by calculation. Unless you are so good with anticipation and projection, home value keeps changing, appreciating and depreciating.

Getting Good Equity

The best time to cash in on property is when property value has appreciated in the entire market and everyone is on the rush to buy property. At this point in time, interest rates for bank loans are presumably low and the amount you are likely to be levied from your lump sum is relatively very low compared to the real amount given for equity. Regardless of the plan you choose for equity release, you are bound to get a real deal for your property.

Trouble in Gaining the Maximum

However, the real challenge comes when property value depreciates at the middle of a plan. If the amount calculated at the end of a mortgage is not equal to the amount given to the home owner at the beginning, then it translates to no more money for the property. The lender will use the remaining amount to service their interest requirements to ensure that they do not operate at losses.

Another problem with getting the maximum value is not when you are in the middle of a plan, but when you are trying to get into a plan. As you begin your search the housing market is fluctuating. You might have a good idea, but it takes time to search for the right equity product. If you are like many in the 2006 to 2012 time period then starting on equity release schemes became difficult. It is in this time period that homes began to devaluate making it hard to keep if you had a mortgage and making it difficult to get a loan because you might already have a negative equity situation. 

Getting Advice for Equity 

It calls for a professional equity analyst to deal with these kinds of matters. They are better placed to analyze the market requirements and advice accordingly regarding which plan is most suitable for one’s situation. They will use calculators which define interest against home value as used by banks and other lenders. Do not at any one point seek financial advice from a financial institution.

Retirement Equity Release Schemes

Anyone who owns a home can release equity from it. In this discussion most homeowners own 100% of their home after spending a lifetime working to pay off their mortgage. Now retirement is setting in and they do not have enough retirement funds to survive. To release equity now without a monthly stipend to make repayments a reverse mortgage is required. In this instance you do not make payments but gain funds. You can take a lump sum payment and hold off on repaying the loan until you sell the home or your family can pay the debt back after your demise. Usually it involves selling the home, so be aware of what this could mean to your family.

It is a good idea to consider the sum you might need in the remainder of your life and then determine how much you can get in a lump sum that meets the requirement you decided on. The hope is that you can gain the lump sum amount you require rather than taking it all out.

As you search to gain the maximum equity release lump sum for an equity release mortgage whether in retirement or as a home owner there are several different things you will want to study. The best way to ensure you have all the facts is to read up on these schemes, speak with a financial adviser from an independent institution and simply decide for yourself what is right for you and your family. 

Equity Release Loans can Consolidate Your Debts   

Are you cash poor, but asset rich and wish to do something about it? Equity release helps you tap into your property. Equity release can be a source of additional income or for you to do something useful out of the property which is not giving you any returns for now. Equity release is basically designed for people who have high value assets, but low incomes. This scheme is becoming very popular among pensioners. You can now safely release money from your property and spend it on all that you desire through equity release loans.

Using equity release money

Now that you have the equity release money in your hand what all can you do with it. One of the most important uses of this money would be to clear all your debts. You can pay off your basic home-related bills and even settle all the different loans that you ever had. Rates on equity release loans currently average around 6%, which compared to credit card & personal loan rates is considerably lower. The other best use could be to help your grandkids with their study options. With the cost of education going sky high these days, using the money from an equity release would be one of the easiest ways to handle this problem.

Ever had this dream car or dream holiday in mind and could not realize it due to financial constraints. Go for it now, use your money on getting you that dream car that you always wanted or go ahead and take that holiday which you always wished for. Realizing the dreams which you always kept for later can become real easy to realize with the money you get from your equity release.

The drawback to equity release

While all this sounds really good, one of the major problems would be that your family would be left with very less or nothing to inherit from you. You need to discuss this with your family and need to understand if they would be able to handle the outcome. If you are using your loans to fund your young ones at home for their education or to help with their fee then the choice of releasing the money now or later should be well thought of and made. So it is only a drawback depending on how the many is used.

The process for taking out equity release

For pensioners the process of taking out equity release loans is different than a regular equity mortgage. This is due to the lifetime mortgage quality of the loan. As many pensioners are cash poor they do not have the means of making a monthly repayment. The way this is handled is by offering a no payment mortgage. A person will still have to make a repayment and interest will compound on all but one type of lifetime mortgage; however, the payments are not made until the very end of life or when a pensioner moves. 

• You must be at least 55 to obtain this type of equity release.

• You must own your home or use the equity lifetime mortgage to pay the mortgage off.

• The amount of the equity released is still based on valuation of your home.

• The money is tax free and can be used as you wish.

As you can see there are advantages to being in your later years and being asset rich. There are certainly some issues as the drawback mentioned about inheritance. The good news is you can leave an inheritance behind in a different way. You can provide small gifts each year to your family that will not be taxed by the government as inheritance. This can be an easier option for your family than facing the inheritance tax in the end; especially, if your home is a fairly large estate. 

Unfortunately you also have to sell the home with lifetime mortgage options in most instances. This is because of the adding up of the interest to the initial sum you have taken out. In order to avoid this issue you do have drawdown where interest compounds only on what you use. You also have interest only lifetime mortgages that allow you to pay on the interest for the life of the loan rather than adding it to the principle loan amount.

If you’re the kind of person who loves to be independent and still live the kind of lifestyle that you always wanted, then equity release loans would be best thing to do. The loan money can be your source of income for the rest of your life if you wisely work it out.

Equity Release Loan to Pay Bills   

The pending bills may be a reason behind your stressful life, especially after your retirement. After retirement, there is no regular source of income but the expenses remain the same. The bills against the daily expenses don’t stop piling up on account of your retirement and if you don’t pay your bills on time then the situation may worsen in the future. The source of income may have ceased but not the expenses. Thus you have to find a solution to your problem such as equity release loan choices.

Worsening the Situation

The situation worsens when the amount of your pending bills starts growing due to the interest levied by your creditors. Interest from the creditors on your pending bills may grow like a big monster carrying a high potential of claiming your complete estate one day. It is better to pay your pending bills before the situation slips out of your hand.

What Equity Release Can Do

An equity release loan could be your best choice because the cash released from the equity held in your home can be spent in any way as you desire. It can help you pay or completely pay off all the debt built up on account of your pending bills. It lets you release the wealth lying idle in your home. Depending on the amount of your pending bills, you can even take an equity loan either partially or fully on your home. 

Credit card debts, car loans, and student loans for your grandchildren are only some of the different types of debts that may be pending on you. We all know that all these types of loans come at a very high rate of interest and without an additional source of income you may not be able to pay off these debts completely. You can continue paying interest regularly but that won’t improve the situation in any way because the capital remains the same even when you keep on paying the interest regularly. 

The No Negative Equity Guarantee

Equity release loans also promise a no-negative equity guarantee so that you don’t have to worry about any liability over the value of your home. Irrespective of the market fluctuations, change in interest rates or any other unforeseen event, you can be assured that even in the worst case scenario, it is only your home that can go to lenders and that too will only be after your death.

Benefits of Equity Products

Already you know the benefits in terms of paying bills and ensuring that your home remains in your hands until death or until you decide to sell. There are other benefits such as paying out inheritance to your children and beneficiaries over the years so that they are not faced with a large inheritance tax that would cause the sale of the home anyway. 

Working with Equity Release

When you decide to take out an equity release loan there are certain parameters that you must meet. First you need to be at least 55 years of age. Depending on the compounding interest you may have to be less than 75 years of age. This is particularly true of the interest only lifetime mortgage that has started to require payoff within 10 years and an age cut off of 75. Your age, the value of your home and other personal information will be required to determine the amount of equity that can be released in a loan. 

Types of Lifetime Mortgages for Pensioners

There are four types of lifetime mortgages for you to use: drawdown, roll-up, EnhancedLifetimeMortgage, and interest only. The interest only lifetime mortgage loan allows you to make a payment on the mortgage for as long as you have it. This keeps any interest from adding on to your mortgage principle. It is the only option that will not have compounding interest. 

Drawdown lifetime mortgages allow you to draw on an account of readily available funds. You will need to take a smaller lump sum in the beginning and then you can access the funds as you need them. Interest only compounds on to what you use rather than what is available. 

Rollover is specifically named because the interest rolls over into the mortgage payment until the very end. Lastly for equity release loan options you have the illness lifetime mortgage which is simply a quicker turn out of funds for you to use based on a chronic illness that could reduce your life expectancy. This type of loan helps those who really need funds, but do not have long to live pay for their debts and make life more comfortable. 

How Does a Home Equity Mortgage Work?   

Home equity mortgages are gaining popularity and in this post-economic credit crunch, they are proving a safer bet for most homeowners. This would be for those who would like to make an additional borrowing application which may be for debt repayment or other financial emergencies. Reasons for raising extra cash may be as simple as home improvements such as a new kitchen, bathroom or eco-friendly car, which can save the family money over the longer term. However you look at a home equity mortgage, you must understand what it stands for and how it will live with you for a very long time. Therefore, you must ensure that the home equity loan selected fits in with your finances now, and is adaptable to meet your demands in the future.

A home equity mortgage can be beneficial whereby the borrower uses the equity in his or her home as collateral has become popular; however, it comes with certain requirements like having a good credit record, being over age 55 & own a property valuation of £70,000. These are 1st legal charges on the property and in most instances equity release lenders will not allow a second mortgages on the property.

While it is true that you can have money readily available for you through equity mortgage, the fact remains that there is a lender and you are the borrower. As a borrower, certain obligations fall on you to repay the money and in the event that the value of the property decreases, you incur a risk of having to pay the excess in the event that your equity on the property cannot cover your debt. Negative equity has risen again with recent property values falling. Interest may also be higher on the equity mortgages such as equity release schemes than on the initial mortgage. This would be due to the fact there is more risks associated with them and their interest rates are based on long term interest rates, rather than short.

Investing with Equity Mortgages

A home equity mortgage works in the same way as equity shares would operate in the stock market. Equity, or rather the value one has after repayment of all liabilities becomes your equity. With an equity mortgage, one cannot sell more equity than one has. In the stock market, or rather regarding stock, the same is true. While you may be the holder of the stock or the property, your liabilities regarding the property determines the equity you hold against the same property.

On a lighter note, it would NOT be worthwhile to take out a equity mortgage for investment causes. There is no guarantee that they will have a good enough possibility of yielding a dividend and a profit for the homeowner or equity owner. Investing in the stock market can be a poor venture one should NOT consider undertaking with the release of equity from your property. However, most people have been known to consider home equity mortgages for renovations in their homes, to increase the value of their homes, thus negating any chance of the dreaded negative equity dilemma.

Retirement Equity Release

Equity mortgages are not just for a person that owns a home and still has a mortgage to pay on it. Rather there are some special options when it comes to retirement that might have you looking at the mortgage market again. These retirement mortgages are a different type of home equity release than the standard mortgage discussed above. For an enhanced mortgages visit EnhancedLifetimeMortgage.co.uk. Given that there are all types of borrowers out there it is important to mention that as a retiree without cash flowing in, you still have a way to access equity in your home if you are cash poor. 

In retirement there are times when you might run out of pension funds or be cash poor due to the market fluctuations taking away from your retirement funds. If this is the case you do not have to worry as you have 100% ownership of your home. In this case you can take out a lifetime mortgage that requires no repayments until the end where you move out or you pass on. It can even cover your spouse to ensure they are not out of a home. 

Lifetime mortgages have their drawbacks in that many have to sell their home after death or before they move to a retirement community in order to pay back their mortgage debt. In some instance negative equity might arise in which there is nothing left for the beneficiaries. Despite these drawbacks home equity mortgage options can be beneficial to you in your later years. You receive a tax free lump sum or a payout option in which you drawdown funds as you need them. 

The Two Sides of Equity Release Mortgage   

Most people at the age of 55 and above are eligible to receive an non-taxed lump sum for their property by a lender via an equity release mortgage. This amount can be released in full or in stages according to the type of equity release plan. However, with either way it all boils down to the valuation of the same property and it future value does not matter whether the value changes or not. The amount agreed as the interest rate during the signing of the contract by both parties stands fixed for the entire period from the release of equity.

An equity release mortgage is classified in several sections depending on the lender and the age of the borrower. A borrower might be planning to use the amount received for their property to develop another property elsewhere or to facilitate another property purchase. 

The reason why the age of persons seeking equity release is prominent is because the lender wishes to cash in on the property at a time when the last person has died or moved into long term care. Its value at that time of sale could remain similar or has appreciated with time. The value of property must be realized in full upon taking over of property ownership by the lender, whereby profit will be in terms of interest paid by the borrower to facilitate the mortgage.

There is also another option whereby the borrower may seek to cash in on their property with a plan that enables them to receive a fixed amount of income from the lender for the remaining years of their life. This is only possible for persons who have attained a certain age according to the terms and conditions. The real valuation of property also dictates terms, for example the amount of money to be paid up monthly.

A List of Details for Equity Release

• Lifetime mortgages are available to anyone aged 55 years or older. You may find certain companies limit the age of a person taking out the mortgage to 85 or 90.

• Home reversion, in which a part of the home is sold for a lump sum, requires you to be 65 years of age and typically under 85 (again, this age is set by the reversion providers of the scheme).

• Lifetime mortgages work on compounding interest. The longer the loan is outstanding the longer the mortgage accrues. If a company is willing to offer a mortgage from 55 until death the interest can become quite hefty depending on the initial amount taken Care should always be exercised here.

• Interest only lifetime mortgages are a special option in which you can pay the interest as it accrues each month. Typically, this option allows you to take out the mortgage for a lifetime period of time before the full principle is returned. For example, many companies will offer this mortgage to people over 75 and not require repayment until death or long term care. 

• Drawdown equity release schemes provide an open account to withdraw money from, with a minimum amount possible of just £1000 with Hodge Lifetime. An initial lump sum is taken and then a further portion of money as needed. The major advantage is that interest only accrues on what is used. This option can stay open until all the money is used, the person sells and settles the mortgage, or the homeowner passes on. There is no compulsion to even have to use any of the money held on reserve after the initial draw.

• Enhanced Lifetime Mortgage schemes are not available to everyone as they are tailor made for those in ill-health. 

Disadvantages of Lifetime Mortgages

There will always be disadvantages of any financial product including lifetime mortgages. As some of these products are not available at certain ages or have cut off limits for ages, it is important to choose carefully. Make sure that the release product used has the most benefit before making a decision. Homes can end up being sold if the homeowner does not have the funds to pay it back or if there is a time limit placed on the actual mortgage product. 

Lastly, as the assessment for a lifetime mortgage continues have a ‘no negative equity’ clause in the contract. This saves the plan holder from the repayment amount being over the equity available in the home should it be sold or if the home value is devalued during the time the mortgage is outstanding. Families should be a part of the decision to avoid any issues later on when the mortgage has to be repaid as there can be other choices. Lifetime mortgages are not for everyone.

However, with an equity release mortgage, a lot of care must be taken. Special advice from professionals is required before securing any equity release mortgage because at times financial policies tend to change overnight and without prior notice. Rushed decisions do not work well in these situations and therefore it calls for a good pre-analysis through an independent equity release financial advisor.


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