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   Lately, equity release schemes that help older people gain access to the equity in their home have gained popularity. In addition, the inception costs for equity release applications, which include interest rates, are fortunately also falling. This can present an opportunity for those with existing equity release schemes, should they be looking to better their existing deal, or even wanting additional funds to help them in loan comparison site. Searching for the best equity release requires an exploration of types and interest rates.

Actually, by switching equity release providers one stands to save money by finding the latest and best equity release mortgage available in the market at that time. Different companies such as Aviva, LV=, Stonehaven, more2life and Just Retirement have all recently reduced their rates making them more affordable. Though the changes seem small, they make a significant difference to an individual over the long term for anyone who wishes to protect their inheritance and save money.

Typically, an equity release scheme will allow a homeowner to take out equity in the form of compare travel insurance from their home. The most popular equity release scheme is the lifetime mortgage that as this title suggests will last for the duration of the homeowner’s life. This will be until the property is sold or they go into loans comparison. The recent interest rate cuts mean that one ought to research and check whether they stand a chance to reduce the overall cost and switch lenders.

Switching between Equity Release Options     

On the other hand, one should also be aware that they may apply to switch from the old scheme and these can erase all benefits earned on transfer. Therefore, there is a great need to make careful considerations before switching providers. For instance, if you took out an equity release plan over 5 years ago at 7% and you are now looking at reducing it to 6% with a different lender, if there are early repayment charges this penalty may erase any savings that were to be made by switching to a lower interest rate. This means that unless you have very good reasons to switch lenders, stick to the one you have. Alternatively, wait until you are older before making the change.

The interest roll up factor means that the loan can double up in size over the next 10-12 years leading to an ever increasing balance. Therefore, to manage this roll-up effect, consideration should be taken as to how the cash is withdrawn. Today’s drawdown lifetime mortgage schemes help counter this drawback. By gradually withdrawing equity, it is much cheaper than taking in one fell swoop, the reason being you only pay interest on the amount that you actually take out. This is a perfect idea for an individual whose pension is insufficient to meet their needs or who needs additional funds for paying for care.

Another option to combat interest rates associated with lifetime mortgages is the interest only lifetime mortgage. This scheme allows you to pay interest on the loan over your lifetime. It in effect reduces any interest left at the time of your death or house sale. The principle of the mortgage is left and must be paid; however, you do not have to worry about the accruing interest. This only works if you have significant disposable income.

Selecting a Suitable Equity Release Option     

While not all equity release options will work for you, there is at least one type that might. This will be the best equity release for your situation, not necessarily what a lender offers or wishes for you to accept.

Before you sign up any application form, it is critical that you seek independent equity release advice. You should also insist on seeking the opinion of a solicitor who understands the legal jargon better than you do, and who understands very well the implications of the release on your heirs and estate as a whole. In the UK, equity release companies adhere to a strict code which was initially laid down by the SHIP (now rebranded the Equity Release Council) code of conduct that licenses only qualified solicitors and financial advisers.

Speaking with a qualified solicitor or agent regarding the best equity release can help you find the right solution. It can help reduce your worries and in many cases make the entire equity release process a little easier on you. Even by filling out the application you do not need to follow through with an equity release, so make sure you are comfortable first.

Equity Release - a Guaranteed Source of Income   

Are you living in the UK? Are you in your retirement period? Do you own a property? Do you need an extra source of income? If your answer to the above questions is yes, then equity release UK is the solution that you have been looking for. You might be wondering to yourself what equity release is. Equity release is a way of releasing equity from your property.

Equity release schemes provide a number of benefits. One of the main advantages is that you are able to obtain a loan against your property or you are able to sell your property or a part of your property for income without having to move out of your property. You are given the opportunity to remain in your home even after you have released money from your home.

Home Reversion   

Home reversion is the sale or partial sale of your home in exchange for lump sum funds. It can also be set up in a monthly instalment. You do not retain full ownership of your home; however, you retain your right to live there through a lifetime tenancy agreement.

Lifetime Mortgage   

This is a loan option, where the house is under your ownership. You receive funds based on the equity you have in the home. This option works with instalment or lump sum payments too. The main difference besides retaining full ownership is age. With any of the lifetime mortgages you can be 55 years of age and undergo equity release options. Home reversion requires you be 65 years old.

Another advantage of equity release schemes is that the money that is released from your property is tax free. You will not have to pay any taxes from the money that is initially released from your property. However, if you use the money released from the property to generate additional income, the additional income will be taxable. Only the initial income released from the property is not taxable.

Equity release schemes   

There are several different types of equity release schemes. The repayment of each equity release scheme normally takes place when the property is sold. The property is normally sold when you and your partner die or move into long term care. In such cases, you will no longer need to remain in the property. In order to repay the loan, the property will be sold.

• Home reversion is already partially sold, which is why the remainder of the property will be sold. It will be sold for the current market value; however, your remaining relatives will receive a slightly smaller amount of inheritance on the sale to cover costs the provider incurred during the lifetime tenancy agreement.
• Home reversion also has another option to the sale of the house. There is a clause in this type of equity release UK scheme that allows a buy-back of property sold. This option allows the homeowner to buy any portion sold, but at current market value and incurring costs associated with the closing of a loan. It is often ineffective cost wise, but it is an option you and your heirs should be aware of.
• Lifetime mortgages do not have to result in the sale of your home. Your heirs can use any money they have to pay off the interest and outstanding mortgage. The typical case is often that your heirs have no other option to pay the mortgage but to sell the house covering the mortgage. This is often why the myth of the property being sold no matter what came about.
 
Equity release schemes directly influence each aspect of your life. This is why you need to carefully consider all of your options before you opt for equity release as the solution. You need to consider how your children will respond to you opting for equity release. In essence, you are taking away their inheritance from them. Some children choose to repay the loan so that the property would not have to be sold to repay the loan. It is advisable to discuss the options with your children before opting for equity release.

Your family matters to you. With the different advantages that come along with equity release UK it is imperative you think about all aspects of the lending process. Discussing it with family is just one more step to figuring out what option is best for you and your circumstances. You can also seek legal advice through an equity release solicitor in order to ensure full understanding of the process.

Equity Release Marketplace   

If you are keen to supplement your pension with a little extra income but, in the past, you have shied away from equity release because it seems too risky an option to contemplate, now might be a good time to reconsider this reticence.

While it is true that there are some disadvantages that come with taking on an equity release policy, it is also the case that many of these can be easily avoided or resolved if you choose your policy carefully. Critics of this kind of scheme often cite the fact that equity release significantly detracts from your deceased estate, for example, and also draw attention to the dangers of saddling your next of kin with debt in the future.

However, both of these drawbacks can be easily dealt with. In order to ensure that you leave your family some kind of inheritance, make sure that the policy that you choose has a clause stipulating that some estate will remain untouched and be passed on to your next of kin.

A fear that the size of the loan you take out will eventually grow to be greater than the value of your property is not entirely unfounded. However, again, this is an avoidable outcome. Sign up for an equity release policy in which you pay off the interest accumulated in monthly instalments; this will ensure that the loan remains the same size over time.

Home equity release options    

•    Home reversion
•    Lifetime Mortgage Roll-up
•    Drawdown Lifetime Mortgage
•    Enhanced Lifetime Mortgage
•    Interest-Only Lifetime Mortgage

Each type of release plan has different drawbacks and benefits. If you are in a situation where you have extra monthly income the interest-only lifetime mortgage is most beneficial regarding loan disadvantages. You take this disposable income to pay for the interest rate on a monthly basis eliminating all but the principle of the balance for the loan. Most individuals take out equity because they lack enough monthly funds to pay their finances.

For this reason you have other options like the roll-up. This is the standard choice available to you in lifetime mortgages. You need to be 55 or older to qualify for this loan. If your application is approved you will receive a lump sum, lump sum with monthly instalments, or monthly instalments from your account. You can choose who you wish to be paid. Many like the drawdown equity release scheme in which you gain a lump sum then monthly instalment or just monthly instalments because you only pay interest on the release of money you take out versus the entire sum.

Enhanced lifetime mortgages are for special needs. Typically, a homeowner has a shorter life expectancy due to age or a difficult illness. There have been instances in which an enhanced mortgage was awarded to someone younger than 55 because of an illness. It is rare and case by case.

Lifetime mortgage plans   

Home reversion is not a loan like the lifetime mortgage plans. Instead, you sell a part of your home or perhaps all of it. You decide on your comfort level for the amount you sell. You have the option of releasing all the equity or not in a lump sum. Like lifetime mortgages there are monthly instalment plans. The difference with this release of equity scheme is age. You are required to be 65 years or older to begin this process. Many find this option safer for inheritance.

Since you retain a portion of your home that can be sold after death, your heirs are almost guaranteed a certain percentage upon your death. The percentage can be smaller or larger depending on the housing market. If your home increases in value there is more inheritance for your beneficiaries.

Lifetime mortgages are based on the amount of value your house is at the time of sale. As with fluctuating values, there is always room for reduced inheritance with no guarantee in the lifetime mortgage plan. The ideal way to ensure there is something left is to take no more than 50% of your home’s current value in equity.

In short, equity release is a widely varied market today. It is possible to find policies that safeguard against all manner of risks so that you can enjoy a happier, well-funded retirement. All it takes is a little research of the market, your situation, and a family conversation to determine what the best solution is for your circumstances. Every homeowner has needs and many can find a solution in the release of equity.

Complete the Equity Release Process   

Equity release makes it possible for homeowners who are at least 55 years old to release money tied up in their property. In order to complete the equity release process, which will result in homeowners receiving tax-free income to spend in whatever way they choose, equity release solicitors are always required.

The equity release provider will require their solicitor and the borrower will need to have his or her own solicitor engaged in the process. Laws were passed requiring the borrower to have a different solicitor than the lending company.

When choosing a solicitor, homeowners should choose a solicitor who is a member of the Equity Release Solicitors Alliance or ERSA. ERSA was established on January 26th 2009 and consists of a group of law firms that specialise in equity release. The main goal of ERSA is to make sure that homeowners have expert legal advice before taking out an equity release plan.

Solicitors who are members of ERSA are required to have years of experience in equity release. Their experience will benefit their clients in that they will make sure that the legal aspects of the equity release process are adequately taken care of.

The process of equity release will start with an application. This application determines if the client is the right age and in the right situation to enter into equity release schemes. Solicitors will help with the paperwork filling out necessary information and explaining what the application is for. They will also be there to help make sure all information is accurate for the provider’s solicitor in case questions arise.

Equity release solicitors   

Equity release solicitors provide guidance to homeowners throughout the entire equity release process. They make sure that homeowners are aware of the risks and the rewards of the equity release plan that they have chosen and the legal obligations attached to it.

Equity release schemes are varied in form. Solicitors can help a homeowner choose the equity release plan that best suits them. For instance, the enhanced equity release mortgage allows a person to be 55 years or sometimes younger. The enhanced option is for those who have a serious illness with a certain expected amount time left in this world. 

Home reversion, which is not a mortgage but a home sale and another form of equity release requires you to be 65 years or older. You sell all or part of your home to a lender in exchange for funds to use for expenses. The solicitor hired to help with equity release should explain both options in detail.

Like comparing the equity release schemes for the best option available, it is possible to compare solicitors available for equity release. Since the solicitor will be a part of the entire deal including when it is time to sell the property, you want to ensure you hired the right person.

Equity release solicitors also ensure that once the property is sold, the equity release provider receives the initial capital that was lent to homeowners and the accumulated interest.

Equity release solicitors'responsibility   

Finally, it is the responsibility of equity release solicitors to make sure that they complete the Safe Home Income Plans or SHIP certificate. The SHIP certificate states that the equity release plan was discussed with the homeowner and that the homeowner understands the consequences of taking up the equity release plan. It is not possible for an equity release plan from an equity release provider who is a member of SHIP to proceed without a signed SHIP certificate. In the SHIP certificate, the equity release solicitor is acknowledging that all of the essential features and implications of the equity release plan have been brought to the attention of the homeowner. The SHIP certificate makes sure that there are not any future misunderstandings & provides another layer of protection in the regulation of these financial products.

There is no obligation during the process to go through with a home reversion or lifetime mortgage equity release scheme. It is only when all the documents are signed that the obligation exists for the homeowner. It is the job of the homeowner to ensure they are comfortable with the paperwork and details of the equity release programme before signing any of the paperwork.

Since solicitors are hired by the homeowner, any questions that a homeowner has can be answered before the process is complete. It is the responsibility of the homeowner to voice any confusion or worries they might have about the process. Equity release solicitors will conduct their job as appropriate; therefore, homeowners must also do their due diligence.

Why are Mortgage Lenders Still Risk Averse?    

Having a certain age may be difficult, especially nowadays, when the economical situation in the world is becoming trickier. If you believe you are rapidly approaching your pension plan and you will have trouble with your daily expenses, you may need to do a little research into refinancing and equity release mortgage plans.

Most people are having trouble from a financial point of view, which is why the number of persons affected by adverse credit is on the rise. Considering an equity release mortgage may be the solution for them, particularly because having a bad situation like this and being known for it may lead to difficulties in getting some front money. Prepayment is complicated maybe because your negative credit can affect you in the long term. Companies that are dealing with this sort of scheme have a certain level of cautiousness that can affect you and make you believe you may not be eligible for any kind of plan.

However, if you are willing to take the matter into your own hands and if you are able to do a little research especially using online media, you may be able to discover that there are some businesses that specialize in offering only the best services on the market of mortgages.

There are some conditions to applying for a program of this nature. You have to be outside bankruptcy, have an age of 55 and be the owner of a property estimated to at least £75,000. The greatest advantage this plan presents is that there are no monthly payments; therefore, it is impossible to collect deficits. If you are interested in applying, the first thing you have to do is contact the Equity Release Council. This program is destined to be at your service, by providing useful information about the lenders that are willing to offer you a satisfactory mortgaging plan.

Several companies provide equity release mortgage plans. One company may offer a stricter qualification scheme than another. There are certainly banks that are more risk averse than others. It is a matter of their liquidity and outstanding balances. To understand this point you have to understand the equity release schemes.

Financial institution offering Mortgages    

Providers of these schemes offer their product as a means of making money. No financial institution is going to offer you free cash. Rather they are going to wait for it because there is a benefit in it for them. If you take out a loan at 80 with a life expectancy of 85, the provider recoups their money in five years, with interest. All they had to do was wait for you to move out of your home or expire. It sounds cold when you look at it from the provider perspective, but this is the reality.

There is no reason to offer you money unless they have a hope of getting it back. The length of time they have to wait is assessed and interest is added at a favorable rate to you so that you want to go with this type of plan.

Most mortgages have the interest built into the loan and payments made during your life. Equity release plans in the lifetime mortgage scheme do not require monthly payments unless you decide on the interest only lifetime mortgage. You pay the interest so it does not compound. With all other plans the interest adds up during the life of the loan so there is a large payment due at the end of your equity release mortgage.

You do not have to be 55 to take out this type of loan. You can be older, but you cannot be younger than 55. It is typically better if you wait until true retirement age when you have a better idea of your life expectancy and what your pension is going to be.

Unless you have a severe illness, you want to wait until you are getting on in years. If you have an illness that lowers your life expectancy then there is the enhanced option, which offers a large lump sum to help you during those last few years.

There may still be some hope for those that have been seriously affected by the economic crisis currently influencing most countries in the world. All you have to do is take things a little further and get some relevant information about equity release mortgage plans. Calling a consultant and finding out about your best options is a decision you have to make now, if you are truly interested in applying to a money management plan of this sort.

Equity Release for Over 60s   

The difficulty of retirement is that money simply does not go as far as it used to. When you were working and saving money for your retirement you could not have foreseen the economic downturn that has occurred or for that matter how unbelievably high the cost of living is. If you have retired or are in retirement age and are feeling the pinch then there is another path available to you. Prudential lifetime mortgage plans provide you with extra funds to live on in your retirement, as long as you own your home.

Equity release is known as a scheme, but don’t let the word throw you. It is becoming a valuable and worthwhile consideration when it comes to planning your retirement. The purpose of equity release is to help you make your retirement simple and as care free as possible.

Equity release is a scheme which allows you to raise cash from your current property. There are two kinds of equity release schemes. The first is home reversion. The second is a Prudential lifetime mortgage scheme.

In either scheme what happens is that you raise cash against your property either all at once in a lump sum or you could choose to receive it as a regular monthly income. Through this scheme you, and your spouse or partner, will retain the right to live at the property until both of you pass away or move out. Or alternatively if you or your partner already own an Equity Release Scheme and wish to switch schemes we recommend using a switch plans calculator.

These are not easy things to consider. But if you are planning your retirement and you are of retirement age, over 60 for example, this is a good option to consider. You should look at all options and the variations in requirements before deciding on one particular plan. The Prudential lifetime mortgage is set up for those 60 or over; however, there are other companies willing to offer a plan for those 55 and older.

It takes some research and understanding of the market to make a good decision. Ignoring other companies and potential schemes because you like Prudential or it is a news release telling you about their product alone does not help you make the right decision about your retirement and the inheritance you leave behind.

Lifetime Mortgage    

A lifetime mortgage is a loan with interest and a principle balance to be paid back. It is paid upon your death or when you relocate to a care facility. It is typically repaid by selling your home; however, there are options where your beneficiary can get a regular mortgage or pay off the mortgage with money they have saving the home from sale.

You can generally obtain 20% to 44% of your home equity in a lifetime mortgage. It is again dependent on the provider of this scheme. Prudential requires you to be 60 at least and the younger you are the less you can obtain in your home equity. You can always refinance later with a new plan if your home increases in value or to get more equity out of the home if there is a percentage left that would not go over the value or rules of the company. It is not an interest-only plan; however, if you need an interest-only plan you can ask if they have a lifetime mortgage available where you pay interest each month until you move or expire.

You may also find that Prudential is willing to offer one of the newer drawdown schemes in which you take a small lump sum and then smaller amounts as needed until the account is empty or you no longer need funds.

As you can see there are a variety of options available to you and your lifestyle in retirement. The key is to choose the path that best fits your needs. This may require you speaking with a Prudential adviser and an independent adviser.

Consider home reversion   

•   In this scheme you sell a part of your home for tax-free, interest-free cash. Since you sold a part of the home, you do not have a debt.
•   The rest of the home is sold when you die or move to a facility.
•   You also have to be 65 years of age to qualify.

Obviously there are plenty of choices out there to consider. As you speak with a representative about Prudential Lifetime Mortgage choices think about what your family would want for you. They may be willing to help out and that can keep your mortgage lower.


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