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Equity Release Mortgage

Managing and living without an income in retirement

As individuals approach the retirement age, one big question always comes to mind…how will they live and manage without an income? A number of schemes to ensure retirees and others facing a similar situation don’t just simply starve off all neglected.

Pension schemes are among the most popular modes of guaranteeing a comfortable life after retiring; however, there are other ways to keep yourself out of the cold. In the UK, there is also an option called equity release schemes. They include either lifetime mortgages or home reversion plans. Lifetime mortgages used to be quite popular back in the day but as a result of falling equity release rates, they lost some of the market share. Recent changes and stricter regulations however have seen it slowly come back into the limelight as an equity release scheme of choice.

In this case however, we want to focus on home reversion schemes. What they are and what they are all about and how they can be beneficial should you opt for them.

What Home Reversion plans are

To put it in relatively simple terms, a home reversion plan is a scheme whereby you can sell all or part of your home to a reversion company. In return for this sale aside from gaining a life-time lease, you can be guaranteed either of the following:
-    A consistent income
-    A one-time lump sum of money

The life time lease is in other words an agreement that you can still stay at your home over the course of this process until you pass or happen to end up in an assisted living institution.

Choosing a suitable Home Reversion Plan

This being a serious commitment with regards to both your life and wellbeing as well as financial situation, it is imperative that you take a close look at what you are getting into and what is involved. We look at a few factors to consider when settling on a home reversion plan for yourself:

Inheritance Guarantees

Set-up Costs

Finding a suitable Advisor

For many clients, this is an important factor when signing up for essentially any type of equity release scheme. The investment, in the event of the applicant’s passing, can be paid out to whoever is named in the contract agreement and one should insist for contractual agreements towards this end. It is important that one not dive into any kind of agreement without looking into what is entailed in it. Research the equity release costs of whatever scheme you want to go for so you can have a clear image of what to expect over the course of the agreement. Equity release plans do not only come in the form of home reversion plans but also in the form of life mortgages. Some life mortgage rates have offers going up to 3% interest rate which is not a bad deal, but all in all, getting the proper financial advice on which of these two to go for is essential. Upon settling on either one, let the expert aid you in setting it up so that you do not miss a thing.

Advantages of a Home Reversion Plan

1. It is an efficient way to ensure you receive money to deal with your daily living costs as well as other issues that may come up.
2. The agreement is flexible in that despite having sold part or all of your home, you still get to stay there till you pass on or until you need to go into aided care institution.
3. The profits that will eventually be raised off of your property will be tax free.
4. Entering into this sort of scheme can be a great help towards lessening tax-inheritance related costs.
5. The option of selling part of your property means that there is room to leave something for your estate to inherit.

Disadvantages of Home Reversion Plans

1. At the end of the day, you will receive a notable less amount of value for your property rather than the full market value.
2. Quite a number of fees have to be paid for in order to actualize this kind of agreement.
3. In the bigger picture, going for a home reversion plan may significantly reduce the support you’re to receive from the government or local authority. This is because your earnings from the scheme will more than inevitably have an effect on your situation’s assessment.
4. Deciding to opt out of the scheme early may prove costly and eventually lead to losses.

Now that you know what home reversion plans are and their advantages and disadvantages, you can determine if it is an option for you.

How to boost your retirement

When you reach the end of your working life, your money dinamics change drastically. Your salary is replaced by retirement, and you can no longer influence how much you get. There aren’t such things as "retirement promotion" or "I will change my retirement because I found a better option that pays more", just like there was when you were working. Since retirement means a fix income, you should make sure you have as much as you need or want. You shouldn’t find yourself limited in what you want to do in your life, how much you want to give to others, or in which new adventures you would like to embark. That is the whole point of retirement planning.

It is known for a fact that young people aren’t very inclined to think about their retirement and plan so much ahead in time, but the thing is, the sooner you get around your retirement planning, the more you can benefit from early decisions and plans. You should get an advisor to calculate your income for retirement based on your current situation, projections and possibilities for investments. Retirement planning is a lot about long term prospects, so there is quite a high chance that you will come across unexpected situations in your life that allow you to have even more money than projected when you retire... or sometimes the complete opposite. 

So having one or two contingency plans isn’t a bad idea at all, and the closer and closer you get to your retirement day, the easier will be for you to know what you will have then and what possibilities you will be able to enjoy. Even so, there are options for you to boost your retirement, clear out debts and get more money for a wide number of purposes, even without much previous planning needed. Equity release deals fall into this category.

Is equity release convenient?

Just as with any other loan scheme, equity release will be good for you or not, depending on your situation and your needs. Overall, people have benefitted greatly from reverse mortgages, because they can access extra income or a lump sum without the need to change anything at all about their lifestyle and without resigning anything at all for as long as they live. The possitive aspects of equity release in many cases outweigh what you have to give up. 

There are, yes, many things to know about how these schemes work. There isn’t only one way in which you can access the equity of your home, and each scheme has its pros and cons, so it is important that you choose wisely among all those options. You should do some research so you can find out what options you are, what are the costs associated with closing a deal, how much equity you will actually get - which will never be the 100% of your home’s value - and what are the terms you have the right to request when soliciting a deal. 

Hiring a mortgage advisor or financial advisor is almost a must in these situations, because of the clear insight and useful information they can provide. However, it isn’t a bad idea at all to do some reading first, so you can get a picture on how equity release deals work. 

Using a reverse mortgage calculator

A reverse mortgage calculator - or equity release calculator - is a very useful tool for those who are interested in applying for an equity release deal. Some reverse mortgage providers will allow you to use their equity release calculator for free, and offer an online gadget for you on their website. There are organizations and even governmetn offices that also provide an equity release calculator. These tools are often free of charge and also free of compromise.

With an equity release calculator, you get the aproximate amount of money you would get from a reverse mortgage by introducing some basic information. This should include the value of your home, standing debt, your age, and sometimes your interest rate. 

It is important for you to know that mortgage calculators only offer an estimate on how much money you could get. No company is obligated to provide such rates just because the calculator displayed them. The final deal is designed on a case by case scenario, so the results of an equity release calculator are merely orientative. You should shop around and ask for free quotations to more than one lender, because there is the chance you would actually get more or less money than that.

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.

Why an equity release scheme would work for you

Loans can be useful for people throughout their lives for a number of reasons. Money is required for taking some huge steps in live like moving or buying your first car or even paying college. There are other cases too, big purchases, home improvement, investments of any kind, healthcare or bills in general, even paying up debt - which kind of goes without saying but still. And when you need much more money than you can make in a short time, you can borrow some.

Big sums of money borrowed will often require some sort of important guarantee. You can apply for a loan against a valuable property of yours, so the lender is more likely to accept it. Mortgages are among the biggest loans you can apply for, and you will take the money against your house or any other estate property you own.

Often a mortgage is a mean to get a property, but in some cases you can use the inverse scheme, using your house's equity to pay for other things. The word equity refers to the value of house in terms of money, which is the result of its real price less all mortgages or other debts withstanding. The more your house is worht and the less money you owe on it, the more equity you possess. You can turn that equity into cash with a reverse mortgage deal, mostly known as equity release scheme. 

Since you are repaying with a fraction of your property, equity release might not be the best solution for everyone. However, in some cases it's actually a great solution for your financial problems or simply a convenient boost for your life with all that extra cash. 

Who benefits from equity release?

Reverse mortgages are aimed to 55+ years old people, and the loan is paid back with the property's sale after the borrower dies or moves to long term care. It goes in detriment of inheritance, because the lender will take some or all of the money from the sale of the property, according to the terms of the deal made before. However, if the borrower isn't interested in leaving a big inheritance or doesn't have children, it is a very convenient way to use up what is left of the property's equity in a way that the borrower chooses. 

Part of the agreement of all equity release deals is that the borrower can still live in the property and the lender, altough might be already titular owner of the house - depending on the scheme - has no right to evict the borrower or force them to move out unless stated in fail to repay terms. It works like a long term lease for the borrower, along with a line of credit that the borrower may access at any point in time, always following the terms agreed upon with the lender.

So, in other words, when you engage in an equity release scheme, you can still live in your house, carry out home improvement and enjoy the rest of your life while at the same time accessing your property's equity as cash. Home Equity Lines of credit are a great financial options for those who have little to no mortgage to pay, because their property's equity is at its maximum.

Assessing benefits

Running a benefit analysis on equity release schemes - or loans in general for that matter - is mandatory when you plan to borrow money. There are complex terms in every agreement and you should be aware of all of them before you sign up, lest they turn on you later and make you loose money or even your house. Comparing terms and benefits from different lenders and options will help you save money and dodge possible debt scenarios you don't want to deal with. Hiring a lawyer to assess you is practically a must here. An advisor will help you review the pros and cons on each offering and guide you so you can pick the best option for you. It might seem like a loss of money, but in the end you will save much more by making the right choice.

In some countries, like the United States, there are equity release mortgages offered by the government. Find out if in your country you have such a possibility, because government loans tend to be easier to pay and less harsh on consequences if you fail to pay. Add them to your list of compared benefits so you can make your ultimate decision.

Why an equity release scheme would work for you

Loans can be useful for people throughout their lives for a number of reasons. Money is required for taking some huge steps in live like moving or buying your first car or even paying college. There are other cases too, big purchases, home improvement, investments of any kind, healthcare or bills in general, even paying up debt - which kind of goes without saying but still. And when you need much more money than you can make in a short time, you can borrow some.

Big sums of money borrowed will often require some sort of important guarantee. You can apply for a loan against a valuable property of yours, so the lender is more likely to accept it. Mortgages are among the biggest loans you can apply for, and you will take the money against your house or any other estate property you own.

Often a mortgage is a mean to get a property, but in some cases you can use the inverse scheme, using your house's equity to pay for other things. The word equity refers to the value of house in terms of money, which is the result of its real price less all mortgages or other debts withstanding. The more your house is worht and the less money you owe on it, the more equity you possess. You can turn that equity into cash with a reverse mortgage deal, mostly known as equity release scheme. 

Since you are repaying with a fraction of your property, equity release might not be the best solution for everyone. However, in some cases it's actually a great solution for your financial problems or simply a convenient boost for your life with all that extra cash. 

Who benefits from equity release?

Reverse mortgages are aimed to 55+ years old people, and the loan is paid back with the property's sale after the borrower dies or moves to long term care. It goes in detriment of inheritance, because the lender will take some or all of the money from the sale of the property, according to the terms of the deal made before. However, if the borrower isn't interested in leaving a big inheritance or doesn't have children, it is a very convenient way to use up what is left of the property's equity in a way that the borrower chooses. 

Part of the agreement of all equity release deals is that the borrower can still live in the property and the lender, altough might be already titular owner of the house - depending on the scheme - has no right to evict the borrower or force them to move out unless stated in fail to repay terms. It works like a long term lease for the borrower, along with a line of credit that the borrower may access at any point in time, always following the terms agreed upon with the lender.

So, in other words, when you engage in an equity release scheme, you can still live in your house, carry out home improvement and enjoy the rest of your life while at the same time accessing your property's equity as cash. Home Equity Lines of credit are a great financial options for those who have little to no mortgage to pay, because their property's equity is at its maximum.

Assessing benefits

Running a benefit analysis on equity release schemes - or loans in general for that matter - is mandatory when you plan to borrow money. There are complex terms in every agreement and you should be aware of all of them before you sign up, lest they turn on you later and make you loose money or even your house. Comparing terms and benefits from different lenders and options will help you save money and dodge possible debt scenarios you don't want to deal with. Hiring a lawyer to assess you is practically a must here. An advisor will help you review the pros and cons on each offering and guide you so you can pick the best option for you. It might seem like a loss of money, but in the end you will save much more by making the right choice.

In some countries, like the United States, there are equity release mortgages offered by the government. Find out if in your country you have such a possibility, because government loans tend to be easier to pay and less harsh on consequences if you fail to pay. Add them to your list of compared benefits so you can make your ultimate decision.

Compare Home Reversion Mortgages

Home reversion plans are among the most popular equity release schemes of the day. After all, where else can you sell part or all of your property for a tax-free lump sum? Well, if you are looking for an extra stash of cash to complete a project or regular, periodic payments as additional income, a home reversion plan could be the solution.

The Home Reversion Calculation

The amount of capital given in a home reversion plan is dependent on several factors. It is important to note that different lenders look at varying factors when determining the amount of equity to be released. However, there are some basic considerations that cut across the board. These considerations include the following.

• Property valuation – all properties that are to be considered for a home reversion pan must be at least 80,000

• Age – the youngest home owner should be no less than 65 years

• Property percentage to be reversed – the home owner can get up to 100%

• Home owners’ health – ill health increases the amount given in a home reversion plan

The math is simple; this equity release scheme is based on life expectancy. Therefore, any condition (illness, age etc.) that is perceived to reduce life expectancy is likely to increase the amount of tax free cash you get.

Home Reversion Deals

There are two service providers that offer deals on home reversion plans. Let’s compare these deals and see what you get out of your home.

Provider

Product

Lump sum (£)

Equity released (£)

Percentage Sold (%)

Maximum Period

Crown       

Crown ER Plan

150,100

150,100

60.04

For Life

Bridge Water

BW Flexible ER Plan

50,000

150,112

60.04

For Life

Bridge Water

Secured Escalating Release Plan

Negotiable

Dependent on property value

Up to 100

15 years

Bridge Water

Maximum Release Plan

Maximum of property value

Dependent on property value

100

For life

Bridgewater Flexible ER Plan

In this plan, you are allowed to sell the portion of the property that you feel comfortable with (which can be anything between 25% and 100%). In this plan, you will get a lump sum (and periodic payments) for life. The requirement is that the property value has to be at least £75,000.  You still retain the rights to live in your property rent-free for life.

The plan starts with home owners who are at least 65 years of age. The home owner should be willing to release £25,000 or at least 25% of the property value. You can get additional protection from early vacancy guarantee, Consumer Financial Protection, and House Prices Inflation Protection.

Crown Equity Release

Crown is keen on giving plans that adhere to the rules set by the Equity Release Council, same as all other reputable service providers. In this plan, you can sell whatever percentage of the property you fancy. For your property to be considered for this plan, it has to be at least £80,000 in value, and the youngest home owner should be at least 65 years old.

Crown Equity Release providers are very particular about the property they consider for home reversion. Any property on short leasehold, with non-standard construction or ex-council properties are considered each on its merits. You can release up to 1000% of your property’s value. If a partial sale is made, it can later be amended, with a minimum of £10,000 release at a time.

A Little More About Home Reversion Plans

As opposed to other equity release schemes, a home reversion plan does not require you to pay any interest. It is simply selling your home yet you are allowed to still stay in it rent free. You imply become a co-owner (in case of a partial reversion). Be sure to check out comparing owner perceptions with transaction-based indexes. Keep in mind that the proceeds from that sale are tax-free!

Your Obligations as Home Owner

As much as you are a co-owner, you will still be required to take care of the property as if you were still the sole owner. As such, the property is expected to maintain its value over the course of the reversion plan. 

When taking up the home reversion plan, it is important to note that you will be required to pay your own legal fees as well as valuation charges. You will also need the services of an experienced adviser, especially one who is very familiar with equity release schemes.

Pointers to Keep In Mind

Home reversion plans can be one of the housing market risks in the United Kingdom. Therefore, before taking up a plan, it is important to ascertain that it is the right product for you.

For starters, as much as you will never pay rent for as long as you live in the property in question, the reversion plan will affect long term financial planning, inheritance, benefits and comes with some tax complications. Be sure to check out HERMIT for more pointers. It is therefore important that you consult an experienced financial adviser before taking up any equity release scheme.

Loans against your home: the pros and cons

For a wide number of reasons, you might want to take on a loan at some point in your life. Be it to buy something expensive, to pay debts, to manage bills or expenses, to fix things or to make big changes or investments in your life, you might have to - or want to - pay for things you cannot afford on your own. Taking on a loan allows you to do so, and of course it comes with a cost. Now, the point is, you shouldn't fall under the misconception that interest payments are the only expenses or potential risks associated with taking on a loan. 

When you find out about the actual process of borrowing money as a loan, you will find out about other fees involved, and if you make the wise decision to hire an attorney or counselor to guide you through the process, you will have to pay for those services too. And if you don't, then you are at high risk of closing a deal which is not only not convenient for you, but also dangerous as it could cost you all you own. There are many records on how often Home Equity Lenders Settle Charges that They Engaged in Abusive Lending Practices.

Using Your Home as Collateral for taking on a loan often increases your chances to get a high volume of money, because your loan is secured by an expensive good, in this case a property. The more equity you have on the property, the more you can take on a loan against it. And this sounds very tempting, but precisely for that reason you should think very carefully. Lenders might offer you a deal you cannot pay back by any means other than your house itself, and some of them don't really care that they have to kick you out and force you to sell so they have your money. But you do. So think carefully.

Compare mortgage providers

Just as with any other product or servie you buy, shopping around is a rule of thumb for making sure you get the best deal as possible. It is a good idea for you to take Credit Risk among Providers of Mortgages on account, and in order to do so you should get professional and reliable advice. Don't just think that you can see through all lenders and realize what is the best deal for you, because there are so many complex aspects of mortgages you're not aware of, and unscrupulous lenders know this very well. 

This is especially important in the case of vulnerable borrowers like low income people or seniors. Lenders that offer Mortgages for Seniors often understand that elder people are more likely to make mistakes when choosing their mortgage provider. They tend to be more vulnerable to pressure, and be in higher need of money for home improvements or paying bills. Their houses are older and usually need more repairs, which their owners aren't likely to carry out themselves. Lenders understand that elder people have often payed their mortgages already, so their properties have relatively high equity, so a loan against them can be very profitable.

Even if it takes longer and some lenders even make you feel that if you take more time you will loose opportunities or deals, shop around. Get professional advice and ask as many questions as you'd like. Clear all doubts and always ask for options. This is the best way for you to find the perfect mortgage provider for you particular case and your particular needs.

What to do when things go wrong

 Be it for one small slip or last minute change, or the result of an overall careless decision making process, you might find yourself in a tight spot, owing more money than you can pay, or even facing charges such as early repayment charges or balloon payments. In this case, refinancing is often an option to consider, because even if it costs more money at the end - because all loans have their fees and rates as you know - it might help you save on things you care about, like your property or your peace of mind.

There are companies or even other lenders who see people in this kind of situation and understand that they can sell financial solutions and come to the rescue. You can look for companies acquiring Mortgages, who will literally buy your debt for you. Now you will have to pay them instead, but your debt terms are reset, so it might be more convenient for you. Get proper advice and compare refinancing options before you make your choice.

Shopping around mortgage deals

We might require financiation in our lives for a number of reasons and in very different situations, and in all cases the amount of the loan or scheme will be in proportion with the potential cost of making a wrong decision. When we make deals with reliable lenders who play by the rules, the worst case scenario that we can face is to see our total expenses increase because of missed payments or adjusted rates. These increases are proportional to the amount as rates and fees are often expressed as a precentage of the total debt. In other words, the larger the loan is, the more money you might loose if you don't make the right choices from the beginning.

One of the largest credit scheme is mortgages, which are massive loans or credits against the value of your property. You could borrow money to pay all or part of a house, or finance your life by selling part of it, collecting the money in advance. We will get back at this last choice later.

And making the right choices is about finding a good lender, choosing a convenient scheme and engaging in a payment plan that works for you money availability and your income, and has some slack for unforseen situations. All lenders will tell you they are the best and their packages are the most convenient, so how can you really know which deal is the best for you?

Mortgage schemes: which one is best?

The general concept of a mortgage is a deal between a lender and a borrower, in which some money is exchanged for the equity or net value of a property. This flow of money can go both ways: either you finance your purchase of a property with a loan, and then make payments to give the money back and increase your equity on the property - calculated as the property's value less all standing debt over it - or you sell part or all of your property to a lender and get a lump sum, income or drawdown fund instead, while still being allowed to live in your property. The first scheme is called forward mortgage, or just mortgage, and the second one is known as equity release or reverse mortgage.

If you want to get the best deal, you need to understand the difference between all these schemes, because how they work varies greatly. Sites like the SEC archives will be of great help. Government sites will provide information on the different schemes as well as the lender's liabilities and responsibilities to you, that you have the right to request. Here you will learn about Types of Reverse Mortgage Products and the specifications of each one of them.

If you want to control your debt, there are certain schemes that allow you to keep it to a minimum. Deals with convenient rates or good rate caps will also work. There are different types of rate caps but they all have the same purpose, which is to limit how much your lender can increase interest rates at will. These caps will help you calculate how much could your debt grow in the worst case of scenarios. 

Compare drawdown mortgages

Perhaps the most efficient way to control your debt is to engage in a drawdown mortgage scheme. These are often reverse mortgages or Home Equity Loans of some sort, because you don't get a lump sum but instead have access to a limited fund from where you can draw as much money as you choose. The more you take, the more interests you will have to pay. Inversely, if you don't extract much money, your debt will be kept to a minimum.

This is perfect for keeping the costs under control, because when you ask for a lump sum or an income you might find yourself under budget, borrowing more than you needed - but you still have to pay interests for it. It is almost impossible to know for sure how much money you will need over the course of the years, so a drawdown scheme helps keep costs to their minimum and follow your debt closely. The less debt you gather, the most of your property's value you will be able to inherit to your children or grandchildren when it is sold.

You need to compare different drawdown mortgage providers in order to ensure that the future generations get as much as possible, without you having to resign the life quality of your last years.


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  • How Poor Health Can Enhance Your Lifetime Mortgage
  • With the enhanced lifetime mortgage, poor health is your advantage
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  • Why Arent More People Considering a Pensioner Mortgage?
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