Highwaymen Skittle Team

For those of you who are thinking about retirement and about your financial future then you might be considering applying for an equity release mortgage. There are many things to know before you sign the papers and understanding the jargon that is used while you read the information or while the advisor explains the facts to you is crucial.
hen they are talking about equity, they are referring to the property that you own and how much it is worth. Taking out or releasing equity means that you are getting some of that money that you have put into the property already and receiving it as a loan. The loans are only a portion of what the property is worth, but there will be interest added on at the time that the property is sold so that the provider will get their money back. The provider is the firm or financial institution that you will be dealing with directly and applying to for this equity release mortgage. Negative equity refers to when equity release mortgages become valued at higher than the property. This means that there would be extra debt left behind or that the home owner would have to pay interest payments while still living. Regulations under SHIP or Safe Home Income Plans prevent these plans from acquiring negative equity.

When you sign the application normally the provider, otherwise known as the lender, will require an arrangement fee. This is simply payment to reserve the mortgage or loan for you. If you pay off the mortgage early, you may be required to pay a retirement fee. This is to cover any loss of interest that the provider may incur due to ending the contract early.

You are likely to see such names as Lifetime Mortgages, Drawdown Plans, and Reversion Plans. These are all different types of equity release mortgages. They all have their advantages and disadvantages which the financial advisor will go through with you. The financial advisors are people that work independently without ties to financial institutes meaning that they will give honest advice without having any outside interest or extra commission for referring someone to a particular provider.

For any other terms that you may hear when you are speaking to the financial advisor then ask them and they will explain it to you. They have a lot of experience in that area. If there is something that you want to know before or after meeting the advisor, you can always check the internet. This is a huge source of information.

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