Equity release
mortgages
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Still have some questions?
What is a lifetime mortgage?
A lifetime mortgage is a loan secured against your home, usually repaid when the last borrower dies or moves permanently into long-term care. You continue to own the home, subject to the plan terms, and our specialist advisers will talk you through exactly how that works for your circumstances.
Will I make monthly payments?
Some plans allow or require payments, while others let interest roll up and be added to the loan. Rolled-up interest compounds, so the amount owed can grow significantly over time, our advisers will make sure you understand this before anything is agreed.
Could equity release affect my family or benefits?
Yes. It can reduce the value of your estate and may affect entitlement to means-tested benefits or support. It’s important you understand how any plan fits your future housing and care needs.
Can I repay or move home later?
Plan terms vary. Early repayment charges may apply, and moving is subject to the new property meeting the provider’s criteria. It’s important to check these details before you commit to anything.
