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Using a Lifetime Mortgage or Equity Release Calculator

Equity release schemes have become far more commonplace in the last few years. With the regulation of the industry and more household company names now offering equity release, more retired people are exploring the options it could provide for their specific circumstances. Any initial internet search will enable you to find an equity release calculator for a great number of companies and providers. However, you may be unaware of the benefits that using an equity release calculator can provide.

1. Quick confirmation of the criteria:

The equity release industry has different requirements when compared to some other more conventional financial products. Just as there are specific requirements for a conventional repayment mortgage such as your age, income and employment status, equity release schemes have specific criteria which need to be met. When you find an equity release calculator online, you can obtain a quick confirmation of the required criteria and whether you would qualify. For example, while many people are aware that retired people tend to use equity release as a solution for their financial requirements, a great number are unaware that there are age restrictions. Those people who are younger than fifty-five will be unable to secure an equity release scheme, so can quickly dismiss this and seek alternative arrangements without wasting time.

2. Provision of a maximum possible lump sum:

For many people the maximum possible lump sum available on equity release schemes will determine their final decision. When you find an equity release calculator, it will ask for the answers to a variety of questions to determine the maximum possible lump sum. A number of calculators have been designed to supply the best detail of information. This can include a standard maximum and one which details enhanced rates. These enhanced rates are usually applicable in cases where there is a history of ill health. Many providers will offer a larger sum of equity release in these cases. By assessing the maximum possible lump sum, you can ascertain whether an equity release will provide sufficient funds to meet your requirements.

3. Interest rate illustrations:

There are a number of more comprehensive calculators which will also provide interest rate illustrations. This will allow you to explore the potential repercussions of taking out the maximum possible lump sum. You will be able to research the implications on the amount of money which could be left to your beneficiaries, since the interest on lifetime mortgages will accrue and be compounded on to the loan amount usually on an annual basis. This can be a very helpful way to understand the figures which would be involved in the equity release process, allowing you to make a more informed decision about whether you would like to proceed further.

4. A tailored example:

For many people when they find an equity release calculator, they can obtain a tailored example of the benefits equity release could provide them. More sophisticated calculators will collate the information you have provided to their slightly more in-depth questions to provide the details of a maximum lump sum amount and applicable interest rate for your circumstances. The calculator will assess the status of your health according to the provider's criteria to determine whether it may be possible for you to release a greater proportion of the equity in your home. Apart from the value of the property and age of the applicants, heath can be the most determining factor. With those in a poorer state of health often offered a higher rate of release, it can help to be provided with a tailored example to assess the feasibility and whether equity release is worth pursuing in your current position.

5. Saves time:

In a great many cases using an online calculator can also help to save time on your equity release application. Equity release brokers and advisers are legally obliged to ensure that you are aware of your options and that equity release is best suited to your requirements. By using a calculator, you can meet with an adviser or broker and be able to easily answer their fact find questions since you have already begun to research your options. If you have also managed to locate what you consider to be the best possible deal, you can supply this information to your adviser, who can then use it as a basis for finding you a great deal.

When you find an equity release calculator, it is important to realise that the figures provided illustrate the maximum possible equity release. This may be adjusted according to the specific requirements of your chosen provider. In many cases, the calculators can provide very accurate information, but it is important to be open to the possibility that your broker may find a deal which better suits your needs.


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