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National Equity Release Pension Conference

Equity Release Options

   Lifetime Mortgage Vs Drawdown Lifetime Mortgages   

Roll-Up and Drawdown are both types of Lifetime Mortgages and are the most popular equity release plans in the UK. In a Drawdown lifetime mortgage, you receive money from a lender based on your property value, and the interest is added on the main loan instead of paying separately. This means that you pay compounded interest, and you can withdraw a reasonable lump sum on signing the papers and then make subsequent withdrawals, as you need them. When the property finally sells, the amount is used to pay both the loan and compounded interest.

Therefore, the main difference between the two Lifetime Mortgages is that a Roll-Up plan allows you to take a lump sum when you sign up for the deal, while the Drawdown Mortgage allows you to take a smaller lump sum and withdraw small amounts when necessary which can be accessed monthly.

The amount of money that you can borrow with a lifetime mortgage depends on your age, which must be above 55, depends on your health condition, and the value of the home. Essentially, a 70-year-old person will release more equity compared to a 55 year old, while someone with a long term medical condition will release more compared to one who is fit and healthy.

It is important to note that interest increases over time because it is compounded, though the compounding effects are more severe in a Roll-Up Mortgage compared to a Drawdown Mortgage. The main reason why this happens is that you only pay interest when you withdraw money in a Drawdown Mortgage, making it more attractive.

The other factor that one must consider is the rate of inflation since interest rates can escalate to unaffordable amounts in case of severe inflation. Sometimes property values can drop; however, they tend to increase over time in the long term. Therefore, when considering either Lifetime Mortgage, consider natural home inflation over time.

Roll-up and drawdown mortgages   

You have more options than just roll-up and drawdown mortgages. There is an enhanced mortgage scheme that is dependent upon your health. This is the type of mortgage that pays a larger sum to you if you have an illness that decreases your life expectancy. You can gain more funds to take care of your health needs or enjoy holidays you might not be able to afford otherwise. There are plenty of reasons to consider this mortgage if you will have a limited time left. Like your other options there is some concern about repayment.

Repayment of the lifetime mortgage is usually through the sale of the house. However, if you have a spouse or companion they may not wish to sell the house. With an enhanced mortgage plan this can create some issues of accruing interest and a larger than life mortgage. The repayment and interest are just two things to consider when you look into this time of equity release. If you are worried about interest consider the fourth option available to you.

Interest only mortgages pay for the time that you hold the mortgage, meaning that if you passed on after six months of taking up the plan, then you would pay interest for that period only. Moreover, they are more flexible than Home Reversion plans especially if you want to borrow a smaller amount of money. With the interest only loan you can keep the principle amount small or continue to borrow on your equity; however, you make payments to your account for the interest so it does not compound but gets paid off. The key to this type of mortgage is having the income to support making interest payments during the month.

Interest only lifetime mortgage    

If you lack sufficient funds to make payments it will be hard to qualify for the interest only lifetime mortgage. There is a fifth option that is not a lifetime equity release loan. Home reversion is not a loan on your property with interest. Actually it requires the sale of a part of your home. You can sell the entire home too. The key to home reversion is the lifetime tenancy agreement that allows you to remain in the house rent free.

You do not have to repay any interest or principle with a home reversion, but you pretty much guarantee the house will not remain in your family once you are gone. You also guarantee an inheritance is left by setting aside a portion of the house to be sold after your death or move to a long term care facility. Lifetime mortgage or home reversion can be ideal, but make sure you pick the plan that works for you.

Hodge Shared Growth Option Revealed   

Are you in the need for a certain sum of money now? Do you find that what you are earning from your pension is less than what you expected? Are you having trouble with covering your daily expenses? If you have answered yes to at least one question from the questions presented up above, you may be interested in a programme that is beneficial for you like the Hodge Shared Growth Option.

If you are at least 65 years old and own a home, you may be the right candidate for an Equity Release Scheme perfectly fitted to your needs. Hodge Shared Growth Option is probably the only Equity Release plan on the market nowadays that requires no application fee.

Looking into Equity Release has never been easier. The providers that offer these products have created a strong reputation from offering wonderful services along with reliable products, particularly because its employees have had experience in this field of finance for over four decades. All you have to do is sit back in the comfort of your own home and investigate a little further about Hodge equity release schemes.

The factors you should take into consideration on engaging into this specific programme are the following:

•     You have to own a flat or a house that is well built and solid
•     You are the joint or sole owner of a property and you are usually its resident
•     You have an age situated between 65 and 85.
•     Depending on the value of your estate, you may exchange on average between 30 and 90 percent of the property if you wish to, but this detail depends on your criteria and the selection of the best scheme that suits your needs.

If you think of yourself as a good candidate, all you have to do is a little research on the lenders that provide these kinds of plans. The obvious and definitely most simple method is accessing Hodge's website. There you can find trustworthy pieces of advice. The company has advisers that are online to answer any questions that may cross your mind. Be aware that matters of this nature are pretty serious, so be sure to check with an Independent Financial Adviser who specializes in this field of Equity Release before making a decision.

Home reversion Vs lifetime mortgage   

There are plenty of different plans out there that might fit your needs. You may also come across different products with different providers. The Hodge Shared Growth Option allows you to gain access to funds for your retirement years as your needs change. This is a great benefit compared to plans that are less flexible.

Home reversion is an equity release plan. Under this plan you have to sell a part of your home and then you obtain a lifetime tenancy agreement. You can live in the home rent free until you pass on or decide to move to a long term care location. At this time you will need to sell the rest of your home to the plan provider, who then sells the home for the full value thus gaining their funds in the process. This type of plan ensures an inheritance for your family, where lifetime mortgages do not.

An example of a lifetime mortgage is the interest only plan. This type of lifetime mortgage will require a monthly payment for the interest accrued. You do not pay the principle balance (the lump sum you took out initially) back until you move out or expire. You lessen the debt owed, but there may be a need to sell your home to repay the loan. You also have to have funds to make the interest payments throughout your retirement. If you obtain the mortgage at 65 and live till 90, this is 25 years of interest paid on the lump sum.

These are just a few of the points about lifetime mortgages to consider as you also look into the Hodge Shared Growth Option. You definitely want to make certain you can afford the plan you choose or have a way to pay it off later on. If you want to save your home for the family you may need a couple of financial products like life insurance to cover the mortgage payment. Speak with your family once you have made a decision or are in the process of making a decision to ensure they understand the financial obligations. Don't forget, financial procedures such as the one afore-mentioned are destined to people that need it. Be sure to check this product as quickly as you can!

Legalities of Equity Release Application   

If a pensioner has made the decision to proceed with an equity release scheme, he or she will need to have an equity release solicitor to represent him and to handle all of their legal affairs. Equity release solicitors ensure you are represented in the equity release process. Most equity release providers are members of SHIP or the Safe Home Income Plans. This organization is the governing body where equity release is concerned. 

All members of SHIP must follow its rules and regulations. Where equity release solicitors are concerned, the requirements of SHIP dictate that the legal affairs of equity release can only be handled by a solicitor. SHIP also dictates that one solicitor is not allowed to handle the legal affairs of both the client and the equity release providers. This means that two solicitors are needed to complete any equity release process.

The responsibilities of an equity release solicitor are many. He is responsible for making sure the equity release provider is a valid lender and that all money lending regulations are adhered to. He is also responsible for confirming that the client is complus mentus which means that he is fully aware of the terms, conditions, and effects of the contract he is entering into.

Equity release solicitors   

Equity release solicitors are also responsible for checking that there are no irregularities on the deeds of the property. All communication between the client and the equity release provider must be handled by the equity release solicitor, who liaises with the provider’s solicitor to answer any requests.

In order to complete the equity release process and to request the funds from the provider, the client’s equity release solicitor must complete and sign a SHIP certificate which is a confirmation that the client understands the implications of the chosen equity release scheme. This SHIP certificate is needed for the equity release process to be completed.

When choosing an equity release solicitor, the client should check if he is qualified to handle the equity release case since that equity release is a specialized area where the legal paperwork cannot be compared to standard legal paperwork. The client must hire a solicitor whose competence and understanding will provide him with the explanation that he needs to fully understand the equity release process.

Comparing different equity release solicitors is helpful. You can feel confident you obtained the proper person for your equity release situation. You have a couple of options for equity release: home reversion and lifetime mortgage. Both have their own advantages and disadvantages, which your solicitor can explain to you.

Most solicitors will be well-versed in both processes; however, this is another area you will want to compare. Since you might have questions about the application and the process it undergoes even after reading this short guide, it does not hurt to test your solicitor's knowledge of both options.

You might find by asking about both options your solicitor will suggest whether home reversion or lifetime mortgage is the better choice. Each option open to you has different advantages that might make one better than the other for your situation.

Equity Release Options   

Home reversion is not a mortgage, although it does require a solicitor to help you close the deal. With reversion schemes you sell a part of your home, which is all the more reason to have a solicitor on hand. You want to make certain this complicated process is in your favour. There is also the lifetime tenancy agreement that must be signed.

Lifetime mortgages require interest rate payments; however, you retain ownership of your house. For some this process can be better since the house is still yours and you can decide when you move out and sell it.

It will all start with the application process. The provider wants to know your situation including your health and any outstanding mortgage you might have on the home. Through the application process, your situation is clear on paper including the amount you need to cover your living expenses or improve your home. The pre-approval process ensures you know what you are able to afford in an equity release.

While the process is different than traditional mortgages, you still want to take out the equity you need rather than all that might be available. Equity release solicitors working on your behalf can help you outline what is necessary and then set up the agreement. The decision is always yours regarding what you decide to do regarding equity release schemes.

How to Calculate Compound Interest   

When considering equity release, a great many people become confused by the concept of compound interest being applied to the loan. This is because unlike a conventional repayment mortgage, equity release schemes will usually require no monthly repayment of the capital or interest. The interest is added to the balance of the loan and is compounded annually. This can appear to be very expensive and many people question why the balance of the loan increases so quickly, with the balance doubling approximately every eleven years. However there are a number of tools available to calculate compound interest and demonstrate the financial implications of the different plans and schemes.

Many people feel confident in their mathematical skills to calculate interest, but when it comes time to calculate compound interest, it can get a little confusing. The interest calculations on the first year of equity release are very straight forward as there has been no interest compounded. However, on the anniversary of the plan, the interest for the previous year will be added to the balance. Interest will now be charged on the higher balance, which is then added to the balance on the next anniversary. There is a formula used in order to calculate compound interest:

A=p (1+(r/100)n. In this formula A is the accumulated amount, p is the principle amount, r is the rate and n is the period of time or years.

However, the longer a loan has been in place, the more complex and confusing the calculation can be. This is why many people use online tools which can calculate compound interest much more quickly for them.

The Benefits of Online Calculators

There are a great number of free online calculators for compound interest. They can provide information which can help home owners decide if it is financially viable for them to pursue an equity release scheme or other forms of loan in which the interest is compounded. There are a number of benefits of online calculators including:

•    Fast, accurate results
•    Allows the exploration of different interest rates in order to assess the viability of different products and schemes
•    Provides figures which will assist home owners to judge the impact equity release will have on their beneficiaries in the future.

Compound Interest Effects

At first glance, the figures involved in equity release can seem very expensive. After all, if the balance of your loan is likely to double every eleven or twelve years, unless the value of your property increases with a stronger property market, you may end up with no equity left to pass on to your beneficiaries when you have died. However, by understanding how to calculate compound interest, you can ensure that you are seeing a fuller picture of the equity release scheme. The figures will show that you are making no repayments each month to lower the balance and that the interest is simply being added to the balance of the loan each year, attracting further interest.

Knowing how compound interest works can ensure that you get the best possible deal in equity release. Many people are concerned about getting the maximum possible lump sum. However, it is often beneficial to compare interest rates and opt for a scheme which may offer slightly less of a lump sum but with a much more attractive interest rate. This will mean that in the longer term you will pay far less interest on the loan and could potentially still have equity left to leave to your beneficiaries.

Your specialist adviser or broker will provide you with key facts illustrations and documents which details the advantages and disadvantages of your chosen scheme, scheme details and a breakdown of how the interest will compound and affect the balance of the loan. However, this is presented after a number of adviser appointments, when they have searched the market for the best possible deal. It can be worthwhile investigating the implications of the interest rate and how it is compounded before you commit to see an adviser. Knowing this information can assure you of whether you would like to proceed, or whether you would prefer to research your other options before moving forward.

If you are considering an equity release scheme, it is important to familiarise yourself with how to calculate compound interest or locate a free online tool to do the calculations for you. This will help to present an accurate picture of the potential financial implications of the equity release scheme and help you to make an informed choice as to whether it is feasible to proceed further to an application.

Know the True Value of Equity Release   

There is some confusion about equity release schemes, with many people believing that the benefits are available to any home owner over the age of fifty-five. Unfortunately, this is not the case as there are some eligibility criteria which must be met in order to apply for an equity release scheme. This can be very confusing as there are several different factors which need to meet the criteria, so many people use an equity release calculator tool, which can not only determine your eligibility but also the potential equity release which would be available to you.

Equity Release Calculator

The equity release calculator tool will ask for a number of personal and financial details in order to confirm that you meet the required criteria, before providing any kind of values for equity release. It will check your age, since the applicant must be over fifty-five. However, a number of people making joint applications may find that they fail to meet these criteria, since the application will consider the age of the younger of the two applicants. If you wish to pursue equity release, you will need to wait until both home owners are over the age of fifty-five. Age can also be an eliminating factor for home reversion plans, which will generally have a minimum age requirement of sixty-five. The calculator will also determine if there is sufficient equity in the property by deducting the current mortgage from the value of the home. There is a specific loan to value formula which must be met and large existing mortgages may mean that your application fails to meet these criteria.

Confirming the True Value of Your Home

Generally, the equity release calculator tool will also ask a number of questions regarding your actual property. In order to qualify for equity release, your home must be in good condition and of standard construction. This provides assurance to the equity release lender that your home is a good form of security for the loan. However, these are not the only criteria to assess the true value of your home. All applications must be accompanied by a property survey, in order to determine whether your home is at risk of flooding or has some other pertinent structural issues.

When entering the estimated value of your property into the equity release calculator tool, it is a good idea to be as accurate as possible. It is worth taking the time to research similar properties in your area which have recently sold. There are a number of online websites which offer property price information based on a collation of sales data. This will help to gauge the current property market in your area and provide a current market value.

The Importance of Accuracy - Equity release calculator

In order to know the true value of equity release in your property, it is important to ensure that all the information you enter into the equity release calculator tool is as accurate as possible. Even the most sophisticated of calculator tools work on a mathematical approach rather than a speculative one. The calculator cannot judge whether you have over or under estimated the value of your property. It simply takes the figure you have entered and applies it into the pre-programmed mathematical formula.

If you are considering equity release, it is worth obtaining up to date and accurate information in order to determine a true value for your equity release. Ask your current mortgage lender for an up to date mortgage balance figure; compare sold properties in the area which are similar to yours and ensure that you answer the calculator questions as precisely as humanly possible. Only by ensuring accuracy can you have confidence in the figures which are supplied by the calculator.

An equity release calculator tool can be extremely useful to determine the true value of equity release available to you. It can be a quick method of determining whether you meet the basic qualification criteria and if your home has sufficient equity to make equity release possible. The calculator tools use the same mathematical formula to determine the maximum equity release available as the equity release lenders and companies, so it can be an ideal way to assist you in making the decision about going forward. However, if you are considering equity release, it is important to realise that even the most sophisticated of online tools will not replace the advice and guidance offered by a specialist broker or adviser. They will be able to provide more in-depth information about products and schemes which may not be available online and can help you to be assured that you are getting the best possible deal which is suited to your specific circumstances.

 Online Lifetime Mortgage Calculator   

When considering equity release, many people become a little overwhelmed by the different types of schemes and plans available. There is the choice of an interest only lifetime mortgage, home reversion plans, drawdown mortgages to name but a few. However, each individual scheme or plan will have slightly different qualification criteria, restrictions, limitations and equity release amounts. This can make it very difficult to compare the different schemes and assess which is best suited to your needs. However, there are a number of online equity release calculators which can assist you.

Different Equity Release Schemes

When using an equity release calculator, you will be supplied with a number of options which suit your circumstances and needs. However, it is important to understand the differences between the different types of schemes and plans. Most equity release products can be sorted into one of four categories:

Interest Only Lifetime Mortgage

This is similar to a conventional interest only mortgage, but with an interest only lifetime mortgage, there is no monthly repayment. The interest accrues and is compounded on to the balance on an annual basis. The loan for the release sum does not require repayment until the property is sold upon your death or you moving into a care facility for the long term.

Drawdown Lifetime Mortgage 

This is very similar to an interest only lifetime mortgage. The principle of repayment is exactly the same. However, the primary difference is in how you receive the equity release sum. Unlike the interest only lifetime mortgage, where you may receive a lump sum, monthly income or both, with a drawdown lifetime mortgage, you are given a drawdown facility. This has a pre-set limit but it enables you to draw down sums of money as and when you require them. This is beneficial since you only begin to pay interest on the money as you draw it down. It can provide some financial security in the event of unforeseen circumstances and can be beneficial for those people who would lose their eligibility for state benefits and assistance if they had a large sum of money sat in their bank account.

Enhanced Plans 

These plans are designed to provide enhanced packages for those with a history of poor healthor even a terminal illness. They utilise a lifetime mortgage or other scheme in principle, but they offer a greater amount of equity release based on the compromised life expectancy of the applicant.

Home Reversion Plans 

These plans offer the applicant the option to sell all or part of their home to the home reversion company. They still retain the right to occupy the property for the remainder of their lifetime, but they receive a lump sum and know exactly what proportion of the value of their home has been used.

The Benefits of Using an Equity Release Calculator

The equity release calculator will assess your circumstances to determine whether you meet the criteria for the different products and schemes. This has a number of benefits, including:

•    A quick response to confirm whether you would be eligible for equity release. This is affected by the age of the parties and amount of equity available in the home. Some people are unaware that equity release is based on the age of the youngest applicant in joint applications. This would mean that although one party may be fifty-eight and eligible if their spouse is only fifty-four equity release would not yet be possible.
•    A calculation of the amount of equity available in your property. This is based on the current market value of your property less any outstanding existing mortgage.
•    The provision of an equity release maximum sum, which can enable you to determine if equity release is a feasible option for you.
•    The details of schemes which would appear best suited to your circumstances. This can enable you to compare and contrast the different interest rates and terms imposed by the different interest only lifetime mortgage schemes.
•    Examples of other plans. Some of the more in-depth calculators will offer details on other plans, such as enhanced packages or home reversion schemes which may represent a better deal for you.
•    Different results based on different criteria. This can enable home owners to explore whether they would be better to postpone their application. For example, for someone aged fifty-nine, they may obtain a better deal if they wait until they have reached their sixtieth birthday.

If you are interested in an interest only lifetime mortgage or any other form of equity release, it is important to fully assess your options. An equity release calculator can provide an excellent first step in this manner, but it should not replace the professional advice of a specialist equity release adviser.

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