Dispelling Myths about Equity Release
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Dispelling Myths about Equity Release
Despite the large amount of publicity around Equity Release, there is still scepticism as to whether it is really a good idea.
Like any financial decision, the same solution is not right for everyone, however, when considered for the right reasons, Equity Release can be a safe and suitable solution.
Myths and inaccuracies
You cannot move house in the future Yes you can... A Lifetime mortgage, in most cases is‘ portable’ meaning it can be transferred to another property( providing the figures add up and the new property is suitable). It is also possible to repay the Lifetime mortgage at any point( subject to certain penalties).
Contrary to many beliefs, and UNLIKE Home Reversion schemes, today’ s Lifetime Mortgages require a secured charge against your property and YOU remain the owner, retaining the right to sell or move.
Your family will lose their inheritance If you were to release the maximum sum available, live for a very long time and NOT service any interest, it is likely the equity in your property may be eroded during your lifetime. This means there could be no, or little, equity remaining. This said, there are a number of things that can help to preserve equity. Many
schemes allow for interest payment and a reserve / drawdown facility can allow for funds to be released over a period of time. Both these options can help reduce longer term costs and ultimately preserve any inheritance.
In addition, with the“ no negative equity” guarantees available, there is no fear of any onward debt.
It’ s really expensive While rates of interest for Equity Release are typically higher than“ traditional” mortgages, they are predominantly FIXED FOR LIFE, so you will know exactly how much your plan will cost. When compared with the cost of moving, Equity Release can be a financially attractive option.
With regards the longer-term costs, it still surprises many people that most of today’ s schemes allow the payment of interest, thus removing the effect of compound interest.
It is generally possible to service the interest on a regular, monthly or ad hoc basis and many plans also allow repayment of capital.
As with any financial decision, it is advisable to talk to a qualified professional regarding what may be suitable for your personal circumstances. Sarah is happy to visit your home, chat by telephone or meet via remote video conference to provide a free consultation.
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Call Sarah on 01622 631372 or 07789 007447 or e-mail her at sarah @ ferrellfinancial. co. uk You may find answers to some of your questions at www. ferrellfinancial. co. uk
Ferrell Financial Limited is an Appointed Representative of The Right Mortgage Ltd, which is authorised and regulated by the Financial Conduct Authority. This is a lifetime mortgage. To understand the features and risks, please ask for a personalised illustration. Check that this mortgage will meet your needs if you want to move or sell your home or you want your family to inherit it. If you are in any doubt, seek independent advice. There may be a fee for mortgage advice. The precise amount will depend upon your circumstances. Registration number: 678768. Companies House registration number: 11192749 registered in England & Wales. Registered address: The Bluff, Roundwell, Bearsted, Maidstone, Kent, ME14 4EU
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