Is Equity Release Good or Bad

Published / Last Updated on 19/05/2015

Video looks at equity release criteria and what you should consider before making the decision whether it is right for you or not. We also explain the different types of equity release scheme.

Related Videos

Is Equity Release High Risk or Low Risk?

Is Equity Release High Risk or Low Risk?

To answer the question of whether equity release is high risk or low risk, we need to understand what equity release actually is. What is Equity Release? This is where you ...

6m7d

Equity Release

Introduction to Three Types of Equity Release

Introduction to Three Types of Equity Release

Equity Release should only be considered if you have a specific need for equity release, you are over the age of 55, you have no mortgage or plan to ...

6m8d

Equity Release

Flexible Payment Lifetime Mortgage Equity Release

Flexible Payment Lifetime Mortgage Equity Release

We are starting to see equity release providers developing more flexibility on products which should make them more attractive as the population ages and many think about accessing equity ...

> 1y4m

Equity Release

Time To Remortgage Your Lifetime Mortgage Equity Release

Time To Remortgage Your Lifetime Mortgage Equity Release

If you took out a lifetime equity release 5 or 10 years ago or even longer ago, it may be worth considering a full remortgage of your equity release ...

> 3y5m

Equity Release

Equity Release v Family Mortgage

Equity Release v Family Mortgage

Many parents are trying to help their older children on the property ladder and we get many enquiries about using equity release. Parents want to release equity from their ...

> 3y1m

Equity Release

Reasons for Being Rejected or Refused Equity Release

Reasons for Being Rejected or Refused Equity Release

There are many reasons why your equity release application may be rejected such as: Flat roof Near to Commercial Property e.g. Public House or Launderette Other hazards e.g. motorway, electricity stations, pylons ...

> 4y9m

Equity Release

Equity Release for Inheritance Tax Planning

Equity Release for Inheritance Tax Planning

Use Equity Release for Inheritance Tax Planning Personal Nil Rate Band £325k Property nil rate band £150k (2019-20), £175k )2020 onwards) Total per person will be £500,000 in 2020. £1m for a ...

> 4y9m

Equity Release

Equity Release to Protect from Care Fees

Equity Release to Protect from Care Fees

Equity Release v Care Fees Costs Hoping to leave an inheritance? What if you need care in later life? Property is included in the care fees means test. Will there be anything left ...

> 4y9m

Equity Release

Interest Rate Roll Up v Property Price Inflation

Interest Rate Roll Up v Property Price Inflation

Interest Rate Roll Up v Property Price Inflation: Are you worried that equity release debt gets bigger? June 2019 – interest rates for lifetime mortgage equity release usually between 4% ...

> 4y9m

Equity Release

Equity Release Fees and Charges

Equity Release Fees and Charges

Think of Equity Release like any other mortgage for fees such as application fees, survey/valuation fees, legal fees and financial advice fees. Some lenders may offer deals on valuation ...

> 4y9m

Equity Release

Over 60s Lifetime Lease Property Purchase

Over 60s Lifetime Lease Property Purchase

Over 60s - purchase a lease for life property i.e. right to live in the property rent free for the rest of your life. Purchased at a discount based upon ...

> 4y11m

Equity Release

Buy to Let and Second Home Equity Release

Buy to Let and Second Home Equity Release

Buy to Let Equity Release and 2nd Home Equity Release schemes are available from some companies but not all. Landlords or second home owners only. Rates are not as competitive ...

> 4y11m

Equity Release

Equity Release Gilt Yield Linked Redemption Penalty

Equity Release Gilt Yield Linked Redemption Penalty

Equity Release Gilt Yield Linked Redemption Penalties Explained: E.g. A company borrows more to buy an aeroplane or lend money to you: Corporate Bond £100 with a yield of ...

> 5y1m

Equity Release

Equity Release for Care Fees

Equity Release for Care Fees

We explore an alternative equity release option for funding care fees removing the need to sell your home....

> 5y7m

Equity Release

Intergenerational Mortgages

Intergenerational Mortgages

Intergenerational wealth can only be built when the knowledge of long-term investing and compounding is shared and passed from generation to generation. We explore the concept of Intergenerational Mortgages....

> 5y9m

Equity Release

Lifetime Lease Property Purchase

Lifetime Lease Property Purchase

Lifetime lease is where you buy a property below its market value as you are buying a lease to live in it for the rest of your life but ...

> 6y

Equity Release

Enhanced Lifetime Mortgage Equity Release

Enhanced Lifetime Mortgage Equity Release

Video explores the developing equity release market with an enhanced lifetime mortgage amount linked to your health....

> 6y8m

Equity Release

Property Location Problem For Equity Release

Property Location Problem For Equity Release

Video explores the increased location problems for equity release applications. Why is this important when thinking about the type of equity release scheme you want?...

> 8y1m

Equity Release

Enhanced Equity Release

Enhanced Equity Release

Video explores the development of enhanced equity release schemes where some lenders are underwriting health complaints to calculate how much equity release capital they will lend....

> 8y5m

Equity Release

Flexible Drawdown v Equity Release

Flexible Drawdown v Equity Release

Video explores the concept of not spending pension or flexible drawdown money but using equity release given that tax benefits on death for Pension Drawdown....

> 8y5m

Equity Release

Buy Home Leaseback Scheme

Buy Home Leaseback Scheme

Video introduces the concept of a buying a home at discount and then it is leased back to you rent free for life. This is not a regulated financial ...

> 9y8m

Equity Release

Home Reversion Equity Release

Home Reversion Equity Release

Home Reversion is where you sell a part of your property.You may wish to sell a share of your property and not have to worry about debt increasing, any ...

> 10y3m

Equity Release

Equity Release Lifetime Mortgage

Equity Release Lifetime Mortgage

A lifetime mortgage is where you release money from your home without making payments and as time goes on your debt increases.There are some very good regulated lifetime mortgage ...

> 10y4m

Equity Release

Equity Release Retirement Mortgage

Equity Release Retirement Mortgage

When taking this option it is similar to an interest only mortgage. You will be assessed to see if you can afford the payments for this mortgage.There are not ...

> 10y4m

Equity Release

Family Equity Release

Family Equity Release

Option 2 for Equity Release is selling some or all of your property to your family.If you were to sell your property to an Equity Release company then they ...

> 10y4m

Equity Release

Equity Release Downsizing

Equity Release Downsizing

Release equity by selling your property and moving to a smaller home.Just some of the good points for this include you would not accrue any fees or run up ...

> 10y4m

Equity Release

Videos Channels

Our Financial Advice Fees Quotes and Shop

Money Tips Cost of Living & Covid

Cost of Living & Covid

Markets & Alerts

Markets & Alerts

Expat & Offshore

Expat & Offshore

At Retirement Options for Pensions

Options At Retirement

Pension Transfers

Pension Transfers

Green Inv ESG SRI

Green Inv ESG SRI

Law, Wills, Attorneys

Law, Wills, Attorneys

Politics and Economy

Politics & Economy