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National Equity Release Pension Conference

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.

How can you use 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.


Your life is about to get better..

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