{"id":1411,"date":"2020-07-13T09:46:13","date_gmt":"2020-07-13T08:46:13","guid":{"rendered":"https:\/\/helpandadvice.co.uk\/?page_id=1411"},"modified":"2022-04-21T12:18:13","modified_gmt":"2022-04-21T11:18:13","slug":"lifetime-mortgage","status":"publish","type":"page","link":"https:\/\/helpandadvice.co.uk\/lifetime-mortgage\/","title":{"rendered":"Lifetime Mortgage"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"1411\" class=\"elementor elementor-1411\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-32dda8a1 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"32dda8a1\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-26b12294\" data-id=\"26b12294\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5fd1fe72 elementor-widget elementor-widget-image\" data-id=\"5fd1fe72\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.21.0 - 24-04-2024 *\/\n.elementor-widget-image{text-align:center}.elementor-widget-image a{display:inline-block}.elementor-widget-image a img[src$=\".svg\"]{width:48px}.elementor-widget-image img{vertical-align:middle;display:inline-block}<\/style>\t\t\t\t\t\t\t\t\t\t<picture><source srcset=\"https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/07\/Lifetime-mortgage.webp 1200w,https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/07\/Lifetime-mortgage-300x113.webp 300w,https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/07\/Lifetime-mortgage-1024x384.webp 1024w,https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/07\/Lifetime-mortgage-768x288.webp 768w\"sizes=\"(max-width: 1200px) 100vw, 1200px\" type=\"image\/webp\"><img src=\"https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/07\/Lifetime-mortgage.jpg\" alt=\"Lifetime mortgage\" height=\"450\" width=\"1200\" srcset=\"https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/07\/Lifetime-mortgage.jpg 1200w, https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/07\/Lifetime-mortgage-300x113.jpg 300w, https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/07\/Lifetime-mortgage-1024x384.jpg 1024w, https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/07\/Lifetime-mortgage-768x288.jpg 768w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" class=\"attachment-full size-full wp-image-1414 sp-no-webp\" fetchpriority=\"high\" decoding=\"async\"  > <\/picture>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-d5d4f5a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d5d4f5a\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-32ed88f\" data-id=\"32ed88f\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-faeab43 elementor-widget elementor-widget-text-editor\" data-id=\"faeab43\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.21.0 - 24-04-2024 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<p style=\"text-align: left;\"><span style=\"color: #000000;\">This page was last updated on <strong>1 April 2024<\/strong>.\u00a0<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-648fc76d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"648fc76d\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-12022a1f\" data-id=\"12022a1f\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-35b5c556 elementor-widget elementor-widget-text-editor\" data-id=\"35b5c556\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h1 style=\"text-align: center;\"><b>Lifetime Mortgage In April 2024<\/b><\/h1><p><span style=\"font-weight: 400;\">If you are looking for some extra cash income in retirement, you may be considering releasing equity from your home.<\/span><\/p><p><span style=\"font-weight: 400;\">The most popular type of equity release in 2020 is a lifetime mortgage. The money you get from lifetime mortgages might help you pay for care, help out a younger family member who is struggling financially, or help you pay for home improvements.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7303c7bd elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7303c7bd\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-7b70d7a5\" data-id=\"7b70d7a5\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-48983a69 elementor-toc--minimized-on-tablet elementor-widget 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.elementor-toc__list-item{counter-increment:item}ol.elementor-toc__list-wrapper .elementor-toc__list-item-text-wrapper:before{content:counters(item,\".\") \". \"}<\/style>\t\t<div class=\"elementor-toc__header\">\n\t\t\t<h4 class=\"elementor-toc__header-title\">\n\t\t\t\tTopics that you will find covered on this page\t\t\t<\/h4>\n\t\t\t\t\t\t\t<div class=\"elementor-toc__toggle-button elementor-toc__toggle-button--expand\"><svg class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/div>\n\t\t\t\t<div class=\"elementor-toc__toggle-button elementor-toc__toggle-button--collapse\"><svg class=\"e-font-icon-svg e-fas-chevron-up\" 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src=\"https:\/\/play.ht\/embed\/?article_url=https:\/\/play.ht\/drafts\/A0rTnOsV6cNAh2LJIKzXvRMuwrr2\/f4dtNoux6&amp;voice=en-GB-Standard-B\" width=\"100%\" height=\"90px\" frameborder=\"0\" scrolling=\"no\" allowfullscreen=\"allowfullscreen\"><\/iframe><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-28cb0dc elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"28cb0dc\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-47c60c1\" data-id=\"47c60c1\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element 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elementor-col-33 elementor-top-column elementor-element elementor-element-62db5bc\" data-id=\"62db5bc\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3a0b6b6 elementor-widget elementor-widget-text-editor\" data-id=\"3a0b6b6\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"content_hint\"><\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5460ee75 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5460ee75\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-55babc70\" data-id=\"55babc70\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-fa1a018 elementor-widget elementor-widget-text-editor\" data-id=\"fa1a018\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">This article guides you through the ins and outs of lifetime mortgages. It answers some of the most frequently asked questions about lifetime mortgages and tells you:<\/span><\/p><ul><li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">What a lifetime mortgage is and how it works<\/span><\/li><li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">The way lifetime mortgages are regulated<\/span><\/li><li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">The different kinds of lifetime mortgage on offer<\/span><\/li><li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">The most important pros and cons of lifetime mortgages<\/span><\/li><li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">The lending criteria you have to meet in order to qualify for a lifetime mortgage<\/span><\/li><li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">How to compare lifetime mortgages<\/span><\/li><\/ul><h2><b>What is a lifetime mortgage?<\/b><\/h2><p><span style=\"font-weight: 400;\">Lifetime mortgages are a popular type of equity release where you take out a loan secured against the value of your home. This later life equity release scheme allows you to unlock money that is currently tied up in the value of your property.<\/span><\/p><h2><b>How does a lifetime mortgage work?<\/b><\/h2><p><span style=\"font-weight: 400;\">Depending on the product you select, the money you receive from the loan will either be a tax-free cash lump sum,\u00a0 or a series of smaller withdrawals from a reserve savings account.<\/span><\/p><p><span style=\"font-weight: 400;\">You do not need to sell your home when you take out lifetime mortgage plans. You will be able to continue <a href=\"https:\/\/helpandadvice.co.uk\/can-someone-live-with-me-in-my-council-house\/\">living in your house<\/a> until the end of the mortgage term, which is either after your death or once you have moved into long-term care.<\/span><\/p><p><span style=\"font-weight: 400;\">There are also no required monthly repayments to be made towards interest. However, <a href=\"https:\/\/helpandadvice.co.uk\/lifetime-mortgages-for-pensioners\/\" >lifetime mortgages for pensioners<\/a> do have a fixed interest rate for life. You can read more about lifetime mortgage interest rates below.<\/span><\/p><p><span style=\"font-weight: 400;\">Instead of making monthly repayments, the loan and all the interest will simply be repaid at the end of the mortgage term. At this point, your house will be sold and the proceeds will be put towards paying off the amount you borrowed, plus interest.<\/span><\/p><p><span style=\"font-weight: 400;\">Here is a short video explaining how a lifetime mortgage works.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5016f25a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5016f25a\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-16343802\" data-id=\"16343802\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-3b3e3201\" data-id=\"3b3e3201\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-18120885 elementor-widget elementor-widget-video\" data-id=\"18120885\" data-element_type=\"widget\" data-settings=\"{&quot;youtube_url&quot;:&quot;https:\\\/\\\/www.youtube.com\\\/watch?v=GNFWitQS-94&quot;,&quot;video_type&quot;:&quot;youtube&quot;,&quot;controls&quot;:&quot;yes&quot;}\" data-widget_type=\"video.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.21.0 - 24-04-2024 *\/\n.elementor-widget-video .elementor-widget-container{overflow:hidden;transform:translateZ(0)}.elementor-widget-video .elementor-wrapper{aspect-ratio:var(--video-aspect-ratio)}.elementor-widget-video .elementor-wrapper iframe,.elementor-widget-video .elementor-wrapper video{height:100%;width:100%;display:flex;border:none;background-color:#000}@supports not (aspect-ratio:1\/1){.elementor-widget-video .elementor-wrapper{position:relative;overflow:hidden;height:0;padding-bottom:calc(100% \/ var(--video-aspect-ratio))}.elementor-widget-video .elementor-wrapper iframe,.elementor-widget-video .elementor-wrapper video{position:absolute;top:0;right:0;bottom:0;left:0}}.elementor-widget-video .elementor-open-inline .elementor-custom-embed-image-overlay{position:absolute;top:0;right:0;bottom:0;left:0;background-size:cover;background-position:50%}.elementor-widget-video .elementor-custom-embed-image-overlay{cursor:pointer;text-align:center}.elementor-widget-video .elementor-custom-embed-image-overlay:hover .elementor-custom-embed-play i{opacity:1}.elementor-widget-video .elementor-custom-embed-image-overlay img{display:block;width:100%;aspect-ratio:var(--video-aspect-ratio);-o-object-fit:cover;object-fit:cover;-o-object-position:center center;object-position:center center}@supports not (aspect-ratio:1\/1){.elementor-widget-video .elementor-custom-embed-image-overlay{position:relative;overflow:hidden;height:0;padding-bottom:calc(100% \/ var(--video-aspect-ratio))}.elementor-widget-video .elementor-custom-embed-image-overlay img{position:absolute;top:0;right:0;bottom:0;left:0}}.elementor-widget-video .e-hosted-video .elementor-video{-o-object-fit:cover;object-fit:cover}.e-con-inner>.elementor-widget-video,.e-con>.elementor-widget-video{width:var(--container-widget-width);--flex-grow:var(--container-widget-flex-grow)}<\/style>\t\t<div class=\"elementor-wrapper elementor-open-inline\">\n\t\t\t<div class=\"elementor-video\"><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-612b9f09\" data-id=\"612b9f09\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-a7caad7 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a7caad7\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1ef70e17\" data-id=\"1ef70e17\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-56259e98 elementor-widget elementor-widget-text-editor\" data-id=\"56259e98\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h2><b>Is it regulated?<\/b><\/h2><p><span style=\"font-weight: 400;\">All equity release products are authorised and regulated by the Financial Conduct Authority and Equity Release Council, who build protections into the plans. For example, the Equity Release Council has a no negative equity guarantee which promises that lifetime mortgage customers will never owe more than the total value of their property.<\/span><\/p><p><span style=\"font-weight: 400;\">Because the plans are regulated by financial trade bodies, you can feel less worried about how the equity release you choose will affect your family.<\/span><\/p><p><span style=\"font-weight: 400;\">However, it is important to note that all kinds of equity release schemes may impact how much you are taxed in the future, as well as your entitlement to means-tested benefits. Contact a specialist adviser to receive more personal advice on how <a href=\"https:\/\/helpandadvice.co.uk\/is-equity-release-a-good-idea\/\" >releasing equity<\/a> could affect pensions and other benefits.<\/span><\/p><h2><b>What are the different types of lifetime mortgage?<\/b><\/h2><p><span style=\"font-weight: 400;\">There are several different types of lifetime mortgages available. Below are the key facts and advice about each kind of product.<\/span><\/p><p><span style=\"font-weight: 400;\">An independent financial adviser will be able to give you more detailed information about each type of life time mortgage, and answer any questions you may have about how each product would work in your individual circumstances.<\/span><\/p><h3><b>Lump sum<\/b><\/h3><p><span style=\"font-weight: 400;\">When you release equity with a lump sum lifetime mortgage product, you receive a large, one-off\u00a0 tax-free cash lump sum at the start of the mortgage term. The exact amount of money you receive depends on your age, your property&#8217;s value, and the loan-to-value (LTV) percentage your provider offers its customers.<\/span><\/p><p><span style=\"font-weight: 400;\">After you get the one-off payment, interest begins to roll up on the loan. This means that interest is calculated every month by looking at the total amount that you owe: i.e. on the initial loan amount in addition to however much interest has already been added.<\/span><\/p><p><span style=\"font-weight: 400;\">This is why lump sum lifetime mortgages are sometimes called<\/span><a href=\"https:\/\/www.sunlife.co.uk\/equity-release\/how-much-does-equity-release-cost\/\" target=\"_blank\" rel=\"noopener\"> <span style=\"font-weight: 400;\">&#8216;roll-up&#8217; mortgages<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p><h3><b>Drawdown<\/b><\/h3><p><span style=\"font-weight: 400;\">In a drawdown lifetime mortgage, you are able to release equity from your property in stages. Because of this, having a\u00a0 mortgage with a drawdown facility can help top up your pension income.<\/span><\/p><p><span style=\"font-weight: 400;\">The money you choose not to withdraw will be held in a special reserve bank account. You can request to withdraw from this account as and when you need the extra cash.<\/span><\/p><p><span style=\"font-weight: 400;\">Interest will only roll up on the amount you actually borrow. This means that you might not have as much interest to pay off at the end of the term.<\/span><\/p><p><span style=\"font-weight: 400;\">So, if you choose a drawdown mortgage you can more easily control your debt and have more options for controlling your finances.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1469bc6 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1469bc6\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-27902ad\" data-id=\"27902ad\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2260cb2f elementor-widget elementor-widget-image\" data-id=\"2260cb2f\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<picture><source srcset=\"https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/06\/unnamed-9.webp 512w,https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/06\/unnamed-9-300x288.webp 300w\"sizes=\"(max-width: 512px) 100vw, 512px\" type=\"image\/webp\"><img src=\"https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/06\/unnamed-9.png\" height=\"491\" width=\"512\" srcset=\"https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/06\/unnamed-9.png 512w, https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/06\/unnamed-9-300x288.png 300w\" sizes=\"(max-width: 512px) 100vw, 512px\" class=\"attachment-large size-large wp-image-12280 sp-no-webp\" decoding=\"async\"  > <\/picture>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-f2e6146\" data-id=\"f2e6146\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4a7b9ff5 elementor-widget elementor-widget-text-editor\" data-id=\"4a7b9ff5\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h3 style=\"text-align: center;\"><span style=\"color: #ffffff;\">Try our free equity release calculator and see how much you could borrow in 30 seconds<\/span><\/h3>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-620fdd2a\" data-id=\"620fdd2a\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3f518a8d elementor-widget elementor-widget-image\" data-id=\"3f518a8d\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<picture><source srcset=\"https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/06\/unnamed-9.webp 512w,https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/06\/unnamed-9-300x288.webp 300w\"sizes=\"(max-width: 512px) 100vw, 512px\" type=\"image\/webp\"><img src=\"https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/06\/unnamed-9.png\" height=\"491\" width=\"512\" srcset=\"https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/06\/unnamed-9.png 512w, https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/06\/unnamed-9-300x288.png 300w\" sizes=\"(max-width: 512px) 100vw, 512px\" class=\"attachment-large size-large wp-image-12280 sp-no-webp\" decoding=\"async\"  > <\/picture>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5b48fbe8 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5b48fbe8\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-647c835b\" data-id=\"647c835b\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7a21fb66 elementor-widget elementor-widget-text-editor\" data-id=\"7a21fb66\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<iframe class=\"calc_iframe\" src=\"https:\/\/legacy.keyretirement.co.uk\/frames\/ukcg\/equity-release-calculator.html?ots=AFF_UKCG&amp;aid=!!!id!!!&amp;linkid=2149532\" width=\"800\" height=\"570\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"NO\"><\/iframe>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-7d14571e\" data-id=\"7d14571e\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-55a19201 elementor-widget elementor-widget-image\" data-id=\"55a19201\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<picture><source srcset=\"https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/11\/person-senior-pointing.webp 500w,https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/11\/person-senior-pointing-250x300.webp 250w\"sizes=\"(max-width: 500px) 100vw, 500px\" type=\"image\/webp\"><img src=\"https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/11\/person-senior-pointing.jpg\" height=\"600\" width=\"500\" srcset=\"https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/11\/person-senior-pointing.jpg 500w, https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/11\/person-senior-pointing-250x300.jpg 250w\" sizes=\"(max-width: 500px) 100vw, 500px\" class=\"attachment-large size-large wp-image-12283 sp-no-webp\" decoding=\"async\"  > <\/picture>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5850d643 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5850d643\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-14285801\" data-id=\"14285801\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-30b5213f elementor-widget elementor-widget-image\" data-id=\"30b5213f\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<picture><source srcset=\"https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/07\/life-time-mortgage.webp 1200w,https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/07\/life-time-mortgage-300x75.webp 300w,https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/07\/life-time-mortgage-1024x256.webp 1024w,https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/07\/life-time-mortgage-768x192.webp 768w\"sizes=\"(max-width: 1200px) 100vw, 1200px\" type=\"image\/webp\"><img src=\"https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/07\/life-time-mortgage.jpg\" alt=\"life time mortgage\" height=\"300\" width=\"1200\" srcset=\"https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/07\/life-time-mortgage.jpg 1200w, https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/07\/life-time-mortgage-300x75.jpg 300w, https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/07\/life-time-mortgage-1024x256.jpg 1024w, https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/07\/life-time-mortgage-768x192.jpg 768w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" class=\"attachment-full size-full wp-image-1417 sp-no-webp\" loading=\"lazy\" decoding=\"async\"  > <\/picture>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-f43bff6 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f43bff6\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-1cab356\" data-id=\"1cab356\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-856628d elementor-widget elementor-widget-text-editor\" data-id=\"856628d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"content_hint\"><\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-7b608dc\" data-id=\"7b608dc\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-56b9015 elementor-widget elementor-widget-text-editor\" data-id=\"56b9015\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"content_hint\"><\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-508ba6f\" data-id=\"508ba6f\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0d6c5e1 elementor-widget elementor-widget-text-editor\" data-id=\"0d6c5e1\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"content_hint\"><\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-874fe92 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"874fe92\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6b6ad741\" data-id=\"6b6ad741\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-64d58a84 elementor-widget elementor-widget-text-editor\" data-id=\"64d58a84\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h3><b>Flexible<\/b><\/h3><p><span style=\"font-weight: 400;\">Flexible plans allow mortgage customers to make ad-hoc monthly payments toward the interest that is accumulating on their loans. These monthly payments are not compulsory, and you can choose to pay or not pay as and when you can afford it.<\/span><\/p><p><span style=\"font-weight: 400;\">The payments are a good idea for those who are worried about the costs of a lifetime mortgage, and would like to reduce their <a href=\"https:\/\/www.iva-advice.co\/\" target=\"_blank\" rel=\"noopener\">debt<\/a> with a monthly repayment from their pension or savings.<\/span><\/p><p><span style=\"font-weight: 400;\">If you do decide that you would like to make interest payments, you will be able to repay a maximum of 15% of the initial loan each year.<\/span><\/p><h3><b>Enhanced<\/b><\/h3><p><a href=\"https:\/\/www.equityreleasesupermarket.com\/plans\/lifetime-mortgages\/enhanced\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">An enhanced lifetime mortgage<\/span><\/a><span style=\"font-weight: 400;\"> is like a standard plan, except that your medical records are also considered when calculating how much you can borrow.<\/span><\/p><p><span style=\"font-weight: 400;\">If you are found to be in ill-health, you will be able to borrow a larger sum of money from the providers.<\/span><\/p><p><span style=\"font-weight: 400;\">An independent financial adviser can help you put together your application, and talk you through which options might be best for your personal situation in retirement.<\/span><\/p><h2><b>What is the maximum age for a lifetime mortgage?<\/b><\/h2><p><span style=\"font-weight: 400;\">There is usually no maximum age for lifetime mortgages. This is because lifetime mortgages are targeted towards people borrowing in later life, while they are in retirement.<\/span><\/p><p><span style=\"font-weight: 400;\">However, there are strict lending criteria that you must meet to be eligible to borrow money from the lender using a lifetime mortgage. See the list below.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6a992aea elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6a992aea\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-3f063955\" data-id=\"3f063955\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-68d96cc5 elementor-blockquote--skin-quotation elementor-blockquote--align-center elementor-blockquote--button-view-icon-text elementor-blockquote--button-skin-classic elementor-blockquote--button-color-official elementor-widget elementor-widget-blockquote\" data-id=\"68d96cc5\" data-element_type=\"widget\" data-widget_type=\"blockquote.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor-pro - v3.12.2 - 09-04-2023 *\/\n@charset \"UTF-8\";.entry-content blockquote.elementor-blockquote:not(.alignright):not(.alignleft),.entry-summary blockquote.elementor-blockquote{margin-right:0;margin-left:0}.elementor-widget-blockquote blockquote{margin:0;padding:0;outline:0;font-size:100%;vertical-align:baseline;background:transparent;quotes:none;border:0;font-style:normal;color:#3a3f45}.elementor-widget-blockquote blockquote .e-q-footer:after,.elementor-widget-blockquote blockquote .e-q-footer:before,.elementor-widget-blockquote blockquote:after,.elementor-widget-blockquote blockquote:before,.elementor-widget-blockquote blockquote cite:after,.elementor-widget-blockquote blockquote cite:before{content:none}.elementor-blockquote{transition:.3s}.elementor-blockquote__author,.elementor-blockquote__content{margin-bottom:0;font-style:normal}.elementor-blockquote__author{font-weight:700}.elementor-blockquote .e-q-footer{margin-top:12px;display:flex;justify-content:space-between}.elementor-blockquote__tweet-button{display:flex;transition:.3s;color:#1da1f2;align-self:flex-end;line-height:1;position:relative;width:-moz-max-content;width:max-content}.elementor-blockquote__tweet-button:hover{color:#0967a0}.elementor-blockquote__tweet-button span{font-weight:600}.elementor-blockquote__tweet-button i,.elementor-blockquote__tweet-button span{vertical-align:middle}.elementor-blockquote__tweet-button i+span,.elementor-blockquote__tweet-button svg+span{margin-left:.5em}.elementor-blockquote__tweet-button svg{fill:#1da1f2;height:1em;width:1em}.elementor-blockquote__tweet-label{white-space:pre-wrap}.elementor-blockquote--button-skin-bubble .elementor-blockquote__tweet-button,.elementor-blockquote--button-skin-classic .elementor-blockquote__tweet-button{padding:.7em 1.2em;border-radius:100em;background-color:#1da1f2;color:#fff;font-size:15px}.elementor-blockquote--button-skin-bubble .elementor-blockquote__tweet-button:hover,.elementor-blockquote--button-skin-classic .elementor-blockquote__tweet-button:hover{background-color:#0967a0;color:#fff}.elementor-blockquote--button-skin-bubble .elementor-blockquote__tweet-button:hover:before,.elementor-blockquote--button-skin-classic .elementor-blockquote__tweet-button:hover:before{border-right-color:#0967a0}.elementor-blockquote--button-skin-bubble .elementor-blockquote__tweet-button svg,.elementor-blockquote--button-skin-classic .elementor-blockquote__tweet-button svg{fill:#fff;height:1em;width:1em}.elementor-blockquote--button-skin-bubble.elementor-blockquote--button-view-icon .elementor-blockquote__tweet-button,.elementor-blockquote--button-skin-classic.elementor-blockquote--button-view-icon .elementor-blockquote__tweet-button{padding:0;width:2em;height:2em}.elementor-blockquote--button-skin-bubble.elementor-blockquote--button-view-icon .elementor-blockquote__tweet-button i,.elementor-blockquote--button-skin-classic.elementor-blockquote--button-view-icon .elementor-blockquote__tweet-button i{position:absolute;left:50%;top:50%;transform:translate(-50%,-50%)}.elementor-blockquote--button-skin-bubble .elementor-blockquote__tweet-button:before{content:\"\";border:.5em solid transparent;border-right-color:#1da1f2;position:absolute;left:-.8em;top:50%;transform:translateY(-50%) scaleY(.65);transition:.3s}.elementor-blockquote--button-skin-bubble.elementor-blockquote--align-left .elementor-blockquote__tweet-button:before{right:auto;left:-.8em;border-right-color:#1da1f2;border-left-color:transparent}.elementor-blockquote--button-skin-bubble.elementor-blockquote--align-left .elementor-blockquote__tweet-button:hover:before{border-right-color:#0967a0}.elementor-blockquote--button-skin-bubble.elementor-blockquote--align-right .elementor-blockquote__tweet-button:before{left:auto;right:-.8em;border-right-color:transparent;border-left-color:#1da1f2}.elementor-blockquote--button-skin-bubble.elementor-blockquote--align-right .elementor-blockquote__tweet-button:hover:before{border-left-color:#0967a0}.elementor-blockquote--skin-boxed .elementor-blockquote{background-color:#f9fafa;padding:30px}.elementor-blockquote--skin-border .elementor-blockquote{border-color:#f9fafa;border-left:7px #f9fafa;border-style:solid;padding-left:20px}.elementor-blockquote--skin-quotation .elementor-blockquote:before{content:\"\u201c\";font-size:100px;color:#f9fafa;font-family:Times New Roman,Times,serif;font-weight:900;line-height:1;display:block;height:.6em}.elementor-blockquote--skin-quotation .elementor-blockquote__content{margin-top:15px}.elementor-blockquote--align-left .elementor-blockquote__content{text-align:left}.elementor-blockquote--align-left .elementor-blockquote .e-q-footer{flex-direction:row}.elementor-blockquote--align-right .elementor-blockquote__content{text-align:right}.elementor-blockquote--align-right .elementor-blockquote .e-q-footer{flex-direction:row-reverse}.elementor-blockquote--align-center .elementor-blockquote{text-align:center}.elementor-blockquote--align-center .elementor-blockquote .e-q-footer,.elementor-blockquote--align-center .elementor-blockquote__author{display:block}.elementor-blockquote--align-center .elementor-blockquote__tweet-button{margin-right:auto;margin-left:auto}<\/style>\t\t<blockquote class=\"elementor-blockquote\">\n\t\t\t<p class=\"elementor-blockquote__content\">\n\t\t\t\t\"All equity release products are authorised and regulated by the Financial Conduct Authority and Equity Release Council, who build protections into the plans. For example, the Equity Release Council has a no negative equity guarantee which promises that lifetime mortgage customers will never owe more than the total value of their property.\"\t\t\t<\/p>\n\t\t\t\t\t\t\t<div class=\"e-q-footer\">\n\t\t\t\t\t\t\t\t\t\t\t<cite class=\"elementor-blockquote__author\">Help & Advice<\/cite>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/twitter.com\/intent\/tweet?text=%22All+equity+release+products+are+authorised+and+regulated+by+the+Financial+Conduct+Authority+and+Equity+Release+Council%2C+who+build+protections+into+the+plans.+For+example%2C+the+Equity+Release+Council+has+a+no+negative+equity+guarantee+which+promises+that+lifetime+mortgage+customers+will+never+owe+more+than+the+total+value+of+their+property.%22+%E2%80%94+Help+&amp;Advice&amp;url=https%3A%2F%2Fhelpandadvice.co.uk%2Fwp-json%2Fwp%2Fv2%2Fpages%2F1411\" class=\"elementor-blockquote__tweet-button\" target=\"_blank\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fab-twitter\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M459.37 151.716c.325 4.548.325 9.097.325 13.645 0 138.72-105.583 298.558-298.558 298.558-59.452 0-114.68-17.219-161.137-47.106 8.447.974 16.568 1.299 25.34 1.299 49.055 0 94.213-16.568 130.274-44.832-46.132-.975-84.792-31.188-98.112-72.772 6.498.974 12.995 1.624 19.818 1.624 9.421 0 18.843-1.3 27.614-3.573-48.081-9.747-84.143-51.98-84.143-102.985v-1.299c13.969 7.797 30.214 12.67 47.431 13.319-28.264-18.843-46.781-51.005-46.781-87.391 0-19.492 5.197-37.36 14.294-52.954 51.655 63.675 129.3 105.258 216.365 109.807-1.624-7.797-2.599-15.918-2.599-24.04 0-57.828 46.782-104.934 104.934-104.934 30.213 0 57.502 12.67 76.67 33.137 23.715-4.548 46.456-13.32 66.599-25.34-7.798 24.366-24.366 44.833-46.132 57.827 21.117-2.273 41.584-8.122 60.426-16.243-14.292 20.791-32.161 39.308-52.628 54.253z\"><\/path><\/svg>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-blockquote__tweet-label\">Tweet<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/blockquote>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-4fc03c2f\" data-id=\"4fc03c2f\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-518f54b7 elementor-widget elementor-widget-text-editor\" data-id=\"518f54b7\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h2><b>Do I qualify?<\/b><\/h2><p><span style=\"font-weight: 400;\">Providers have certain legal<\/span><a href=\"https:\/\/www.telegraph.co.uk\/financial-services\/retirement-solutions\/equity-release-service\/lifetime-mortgage-explained\/\" target=\"_blank\" rel=\"noopener\"> <span style=\"font-weight: 400;\">eligibility requirements<\/span><\/a><span style=\"font-weight: 400;\"> that you must meet to use their services. These lending criteria are:<\/span><\/p><ul><li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">You have to be at least 55 years old. If you are making a joint application, both homeowners must be 55 or over.<\/span><\/li><li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">You must own a property in the UK which is in good condition.<\/span><\/li><li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Your property must be worth at least \u00a370,000. Your property&#8217;s value will impact how much you are able to borrow with the plan, and will affect the interest rate that you get from the lender.<\/span><\/li><li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">You must not have any existing loans secured against your home. All debts of this type that you have before taking out your lifetime mortgage plan must be repaid completely once you get the cash from your new loan.<\/span><\/li><li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">It is also a legal requirement that you seek financial advice from an independent, specialist adviser. You must get this financial advice before signing any deals with a lifetime mortgage provider.<\/span><\/li><\/ul><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">Some providers will not accept sheltered housing, houses next too or above commercial premises, or listed buildings. This is because properties of this type are harder to sell after the end of the mortgage term.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4e4d0030 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4e4d0030\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2264b1b0\" data-id=\"2264b1b0\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6b5c0f01 elementor-widget elementor-widget-image\" data-id=\"6b5c0f01\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<picture><source srcset=\"https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/07\/lifetime-mortgage-calculator.webp 1200w,https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/07\/lifetime-mortgage-calculator-300x75.webp 300w,https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/07\/lifetime-mortgage-calculator-1024x256.webp 1024w,https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/07\/lifetime-mortgage-calculator-768x192.webp 768w\"sizes=\"(max-width: 1200px) 100vw, 1200px\" type=\"image\/webp\"><img src=\"https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/07\/lifetime-mortgage-calculator.jpg\" height=\"300\" width=\"1200\" srcset=\"https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/07\/lifetime-mortgage-calculator.jpg 1200w, https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/07\/lifetime-mortgage-calculator-300x75.jpg 300w, https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/07\/lifetime-mortgage-calculator-1024x256.jpg 1024w, https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/07\/lifetime-mortgage-calculator-768x192.jpg 768w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" class=\"attachment-full size-full wp-image-1418 sp-no-webp\" loading=\"lazy\" decoding=\"async\"  > <\/picture>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7d0d6ba9 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7d0d6ba9\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-518690f0\" data-id=\"518690f0\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4b5c2f55 elementor-widget elementor-widget-text-editor\" data-id=\"4b5c2f55\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h2><b>How to compare lifetime mortgages<\/b><\/h2><p><span style=\"font-weight: 400;\">As explained above, there are several types of lifetime mortgage: roll-up, drawdown, flexible, and enhanced. Different mortgage providers may call the plans by different names, which can make comparing lifetime mortgages feel confusing.<\/span><\/p><h2><b>Talk to a specialist adviser<\/b><\/h2><p><span style=\"font-weight: 400;\">Each lender has different loan-to-value (LTV) percentages and interest rates, and some products give you the option of adding extra features to your plan, such as <a href=\"https:\/\/helpandadvice.co.uk\/inheritance-protection-trust\/\">Inheritance Protection<\/a>.<\/span><\/p><p><span style=\"font-weight: 400;\">It is therefore very important to get advice from life mortgage consultants and a financial adviser before making any decisions about which plan is right for your needs. This is a legal requirement.<\/span><\/p><p><span style=\"font-weight: 400;\">The advisor will be able to support you in finding the best option for your family&#8217;s needs. They will also be able to answer any other questions you have about the products on offer.<\/span><\/p><h2><b>Use an equity release calculator<\/b><\/h2><p><span style=\"font-weight: 400;\">Another tool that can help you compare <a href=\"https:\/\/helpandadvice.co.uk\/lifetime-mortgage-calculator\/\">lifetime mortgages is an online lifetime mortgage calculator<\/a>.<\/span><\/p><p><span style=\"font-weight: 400;\">These calculators are free to use, and can be a very helpful way to get more information about the <a href=\"https:\/\/helpandadvice.co.uk\/maximum-equity-release\/\">maximum amount of money you could get from equity release<\/a>.<\/span><\/p><p><span style=\"font-weight: 400;\">You will usually need to provide the following information for lifetime mortgage calculators\u00a0 to work:<\/span><\/p><ul><li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Your UK address or postcode.<\/span><\/li><li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">The value of your main residence. The property your loan will be secured against must be worth at least \u00a370,000.<\/span><\/li><li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Whether or not you have any other outstanding mortgages to pay off.<\/span><\/li><li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Your age. You must be at least 55 years old to take out a lifetime mortgage product.<\/span><\/li><li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Your gender.<\/span><\/li><li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Your marital status.<\/span><\/li><\/ul><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">The calculator will analyse the basic personal information you provide in order to give you a free instant quote. It does this by checking how much cash someone of your profile can usually unlock from their home with different lenders.<\/span><\/p><p><span style=\"font-weight: 400;\">If you provide your name and contact details, you may later be sent a more personalised quote.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-37f9601 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"37f9601\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-3754a86\" data-id=\"3754a86\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e3513dc elementor-widget elementor-widget-text-editor\" data-id=\"e3513dc\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"content_hint\"><\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-0c25ddb\" data-id=\"0c25ddb\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ea42080 elementor-widget elementor-widget-text-editor\" data-id=\"ea42080\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"content_hint\"><\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-a29d768\" data-id=\"a29d768\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2f5bcac elementor-widget elementor-widget-text-editor\" data-id=\"2f5bcac\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"content_hint\"><\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4a2f71d0 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4a2f71d0\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-15c91706\" data-id=\"15c91706\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-15cba754 elementor-widget elementor-widget-image\" data-id=\"15cba754\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<picture><source srcset=\"https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/05\/Free-standing-AVCs-1.webp 1200w,https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/05\/Free-standing-AVCs-1-300x75.webp 300w,https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/05\/Free-standing-AVCs-1-1024x256.webp 1024w,https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/05\/Free-standing-AVCs-1-768x192.webp 768w\"sizes=\"(max-width: 1200px) 100vw, 1200px\" type=\"image\/webp\"><img src=\"https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/05\/Free-standing-AVCs-1.jpg\" height=\"300\" width=\"1200\" srcset=\"https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/05\/Free-standing-AVCs-1.jpg 1200w, https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/05\/Free-standing-AVCs-1-300x75.jpg 300w, https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/05\/Free-standing-AVCs-1-1024x256.jpg 1024w, https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/05\/Free-standing-AVCs-1-768x192.jpg 768w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" class=\"attachment-full size-full wp-image-46 sp-no-webp\" loading=\"lazy\" decoding=\"async\"  > <\/picture>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-234e0d6e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"234e0d6e\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2d023f8d\" data-id=\"2d023f8d\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2e892999 elementor-widget elementor-widget-text-editor\" data-id=\"2e892999\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h2><b>What is the average interest rate on a lifetime mortgage?<\/b><\/h2><p><span style=\"font-weight: 400;\">When considering the benefits and disadvantages of the different lifetime mortgage services, it will be helpful to know<\/span><a href=\"http:\/\/helpandadvice.co.uk\/lifetime-mortgage-rates\/\"> <span style=\"font-weight: 400;\">the average interest rates in 2020<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p><p><span style=\"font-weight: 400;\">The cheapest lifetime mortgage providers have interest rates starting at between 2.5 and 3% AER. However, you will find that some companies charge higher rates for lifetime mortgages, usually between 4 and 6% AER.<\/span><\/p><p><span style=\"font-weight: 400;\">The rate you get will depend on factors such as your age, whether or not you are applying as a single or joint applicants, and any extra features included in the product.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">The interest on lifetime mortgages is usually fixed for life. This can mean that the amount of debt you will eventually pay off after your death can grow very quickly. The cost of a lifetime mortgage can, therefore, end up being very high.<\/span><\/p><p><span style=\"font-weight: 400;\">A financial adviser can give you more advice about popular schemes and the interest rates on offer. Speaking to am independent specialist can reduce the worry surrounding the choice you make.<\/span><\/p><h2><b>Who are the main lifetime mortgage companies in the UK?<\/b><\/h2><p><span style=\"font-weight: 400;\">There are<\/span><a href=\"https:\/\/www.equityreleasecouncil.com\/find-a-member\/providers\/\" target=\"_blank\" rel=\"noopener\"> <span style=\"font-weight: 400;\">14 members<\/span><\/a><span style=\"font-weight: 400;\"> of the Equity Release Council, and 12 of these companies offer lifetime mortgages:<\/span><\/p><ul><li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Aviva<\/span><\/li><li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Canada Life<\/span><\/li><li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Hodge<\/span><\/li><li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Just<\/span><\/li><li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Legal &amp; General<\/span><\/li><li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">LV=<\/span><\/li><li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">more2life<\/span><\/li><li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Nationwide Building Society<\/span><\/li><li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">OneFamily<\/span><\/li><li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Pure Retirement<\/span><\/li><li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Responsible Lending<\/span><\/li><li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Scottish Widows<\/span><\/li><\/ul><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">All 12 of these lifetime mortgage providers are authorised and regulated by the<\/span><a href=\"https:\/\/www.fca.org.uk\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\"> Financial Conduct Authority<\/span><\/a><span style=\"font-weight: 400;\">.\u00a0 You can read more advice about the features and the pros and cons of the different lenders<\/span><a href=\"https:\/\/helpandadvice.co.uk\/lifetime-mortgage-providers\/\"> <span style=\"font-weight: 400;\">here<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p><p><span style=\"font-weight: 400;\">Because <a href=\"https:\/\/helpandadvice.co.uk\/equity-release-costs\/\">equity release<\/a> services in the UK are regulated, people considering unlocking money from their property can feel safe doing so. For example, the ERC builds a no negative equity guarantee into each member&#8217;s plans.<\/span><\/p><p><span style=\"font-weight: 400;\">This means that regardless of the company you choose, you will never need to pay off more interest than the total value of your property at the end of your mortgage term (which is either after your death or once you move into long-term care).<\/span><\/p><h2><b>The pros and cons of a lifetime mortgage<\/b><\/h2><p><span style=\"font-weight: 400;\">There are several key pros and cons that you should take care to know.<\/span><\/p><h3><b>What are the advantages?<\/b><\/h3><ul><li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">One of the major benefits is that the money you get will be tax-free income.<\/span><\/li><li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">If you choose a lifetime mortgage product with a cash facility, you will be able to withdraw extra cash from a special reserve bank account when you need it to top up your pensions and retirement income. Interest will only roll up on the money that you actually release from your house, so the costs of a drawdown product might be cheaper.<\/span><\/li><li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">You will not be required to make any monthly interest repayments. However, if you select a flexible product you may choose to pay off interest monthly when you can, in order to keep the debt under control.<\/span><\/li><li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">The Equity Release Council regulates all equity release schemes. You will never owe more than the value of your home.<\/span><\/li><\/ul><h3><b>What are the disadvantages?<\/b><\/h3><ul><li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\"><a href=\"https:\/\/helpandadvice.co.uk\/do-you-pay-tax-on-equity-release-in-the-uk\/\">Equity release may impact how much you are taxed<\/a>. It might also affect your eligibility for means-tested benefits like pension credit both now and in the future.<\/span><\/li><li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">You will need to sell your house after the end of the mortgage term in order for the loan to be fully repaid. So, your loved ones will not be able to inherit your house, as it will be sold after you move into long-term care or die.<\/span><\/li><li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Lifetime mortgages are a lifelong commitment. It is very difficult to stop your plan early. You will incur an Early Repayment Charge if you decide you want to do this.<\/span><\/li><li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">The amount of money you can get will be calculated according to on a percentage (LTV) of your home&#8217;s total market value. An average LTV is between 25 and 35%, so you get much less capital than your house would normally cost.<\/span><\/li><li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">The interest rate is fixed for life. Your plan might not let this interest be repaid early, so your debt can increase rapidly. You should consider the impact this will have on your family in your inheritance and <a href=\"https:\/\/helpandadvice.co.uk\/estate-planning\/\">estate planning<\/a>.<\/span><\/li><li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">You will not be able to take out any other loans secured against your home.<\/span><\/li><li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">There may be additional costs when applying. For instance, it is a legal requirement that you seek professional, independent advice before signing any deal for these products. You may also need to pay a fee for the valuation of your property.<\/span><\/li><\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-8d9f3a3 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"8d9f3a3\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-28c64012\" data-id=\"28c64012\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-44e83642 elementor-widget elementor-widget-image\" data-id=\"44e83642\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<picture><source srcset=\"https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/06\/unnamed-9.webp 512w,https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/06\/unnamed-9-300x288.webp 300w\"sizes=\"(max-width: 512px) 100vw, 512px\" type=\"image\/webp\"><img src=\"https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/06\/unnamed-9.png\" height=\"491\" width=\"512\" srcset=\"https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/06\/unnamed-9.png 512w, https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/06\/unnamed-9-300x288.png 300w\" sizes=\"(max-width: 512px) 100vw, 512px\" class=\"attachment-large size-large wp-image-12280 sp-no-webp\" decoding=\"async\"  > <\/picture>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-4cc9d6bf\" data-id=\"4cc9d6bf\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-225201f2 elementor-widget elementor-widget-text-editor\" data-id=\"225201f2\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h3 style=\"text-align: center;\"><span style=\"color: #000000;\">See how much money you could be entitled to using the equity release calculator below<\/span><\/h3>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-3847abc1\" data-id=\"3847abc1\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-32d4052d elementor-widget elementor-widget-image\" data-id=\"32d4052d\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<picture><source srcset=\"https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/06\/unnamed-9.webp 512w,https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/06\/unnamed-9-300x288.webp 300w\"sizes=\"(max-width: 512px) 100vw, 512px\" type=\"image\/webp\"><img src=\"https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/06\/unnamed-9.png\" height=\"491\" width=\"512\" srcset=\"https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/06\/unnamed-9.png 512w, https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/06\/unnamed-9-300x288.png 300w\" sizes=\"(max-width: 512px) 100vw, 512px\" class=\"attachment-large size-large wp-image-12280 sp-no-webp\" decoding=\"async\"  > <\/picture>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2a9fa339 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2a9fa339\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-16e05999\" data-id=\"16e05999\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2525dfb1 elementor-widget elementor-widget-image\" data-id=\"2525dfb1\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<picture><source srcset=\"https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/11\/person-5.webp 500w,https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/11\/person-5-188x300.webp 188w\"sizes=\"(max-width: 500px) 100vw, 500px\" type=\"image\/webp\"><img src=\"https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/11\/person-5.png\" height=\"800\" width=\"500\" srcset=\"https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/11\/person-5.png 500w, https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/11\/person-5-188x300.png 188w\" sizes=\"(max-width: 500px) 100vw, 500px\" class=\"attachment-large size-large wp-image-13001 sp-no-webp\" loading=\"lazy\" decoding=\"async\"  > <\/picture>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-6d2dbc22\" data-id=\"6d2dbc22\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-59278990 elementor-widget elementor-widget-text-editor\" data-id=\"59278990\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<iframe class=\"calc_iframe\" src=\"https:\/\/legacy.keyretirement.co.uk\/frames\/ukcg\/equity-release-calculator.html?ots=AFF_UKCG&amp;aid=!!!id!!!&amp;linkid=2149532\" width=\"800\" height=\"570\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"NO\"><\/iframe>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-58790dda elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"58790dda\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-791e9c9\" data-id=\"791e9c9\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7f184902 elementor-widget elementor-widget-image\" data-id=\"7f184902\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<picture><source srcset=\"https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/11\/we-can-help.webp 803w,https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/11\/we-can-help-300x64.webp 300w,https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/11\/we-can-help-768x165.webp 768w\"sizes=\"(max-width: 803px) 100vw, 803px\" type=\"image\/webp\"><img src=\"https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/11\/we-can-help.png\" height=\"172\" width=\"803\" srcset=\"https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/11\/we-can-help.png 803w, https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/11\/we-can-help-300x64.png 300w, https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/11\/we-can-help-768x165.png 768w\" sizes=\"(max-width: 803px) 100vw, 803px\" class=\"attachment-large size-large wp-image-11469 sp-no-webp\" loading=\"lazy\" decoding=\"async\"  > <\/picture>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1f9272b2 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1f9272b2\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6e91df38\" data-id=\"6e91df38\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7ce0c3d2 elementor-widget elementor-widget-text-editor\" data-id=\"7ce0c3d2\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h2 style=\"text-align: center;\"><span style=\"color: #000000;\">We can help you find the Lifetime Mortgage deals.&nbsp; Contact Key Equity Release for a free consultation<\/span><\/h2>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5122bbf4 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5122bbf4\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5886a56c\" data-id=\"5886a56c\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-16423c8c elementor-widget elementor-widget-text-editor\" data-id=\"16423c8c\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>You can contact Key Equity Release, our partners, in one of 2 ways.\u00a0 \u00a0\u00a0<\/p><ul><li><strong>Option 1<\/strong> &#8211; Call directly on &#8211; <a href=\"tel:0333 567 1609\"><span style=\"text-decoration: underline;\"><strong>0333 567 1609<\/strong><\/span><\/a><\/li><li><strong>Option 2<\/strong> &#8211; Book an appointment directly in the calendar below, and one of the Key team will call you back at your chosen time to discuss your requirements<\/li><\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-46f76c53 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"46f76c53\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-c4eeb65\" data-id=\"c4eeb65\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-58741978 elementor-widget elementor-widget-text-editor\" data-id=\"58741978\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<script src=\"https:\/\/unpkg.com\/@lottiefiles\/lottie-player@latest\/dist\/lottie-player.js\"><\/script>\n<lottie-player src=\"https:\/\/assets4.lottiefiles.com\/packages\/lf20_gq7j3ueb.json\"  background=\"transparent\"  speed=\"1\"  style=\"width: 300px; height: 300px;\"  loop  autoplay><\/lottie-player>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-1f3953f2\" data-id=\"1f3953f2\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2067c9b5 elementor-widget elementor-widget-text-editor\" data-id=\"2067c9b5\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h3>\u00a0<\/h3><h3 style=\"text-align: center;\">Option 1 &#8211; Call Key directly<\/h3><p>Mon &#8211; Thurs &#8211; 9am &#8211; 8 pm<\/p><p>Friday &#8211; 9am &#8211; 5:30pm<\/p><p>Saturday &#8211; 9am &#8211; 5pm<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-25d4fdcb elementor-widget elementor-widget-text-editor\" data-id=\"25d4fdcb\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h3 style=\"text-align: center;\"><span style=\"color: #0000ff;\"><strong><a style=\"color: #0000ff;\" href=\"tel:0333 567 1607\"><span style=\"text-decoration: underline;\">Call us on : <\/span><\/a><a href=\"tel:0333 567 1607\"><span style=\"text-decoration: underline;\">0333 567 1609<\/span><\/a><\/strong><\/span><\/h3>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-529dfe90 elementor-widget elementor-widget-image\" data-id=\"529dfe90\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<picture><source srcset=\"https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/09\/Untitled-design-9-1024x34.webp 1024w,https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/09\/Untitled-design-9-300x10.webp 300w,https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/09\/Untitled-design-9-768x26.webp 768w,https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/09\/Untitled-design-9-1170x40.webp 1170w,https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/09\/Untitled-design-9.webp 1200w\"sizes=\"(max-width: 1024px) 100vw, 1024px\" type=\"image\/webp\"><img src=\"https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/09\/Untitled-design-9-1024x34.png\" height=\"34\" width=\"1024\" srcset=\"https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/09\/Untitled-design-9-1024x34.png 1024w, https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/09\/Untitled-design-9-300x10.png 300w, https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/09\/Untitled-design-9-768x26.png 768w, https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/09\/Untitled-design-9-1170x40.png 1170w, https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/09\/Untitled-design-9.png 1200w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" class=\"attachment-large size-large wp-image-15965 sp-no-webp\" loading=\"lazy\" decoding=\"async\"  > <\/picture>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-3158a6e3 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3158a6e3\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-5f296c36\" data-id=\"5f296c36\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-95c8fd4\" data-id=\"95c8fd4\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2bfafff2 elementor-widget elementor-widget-text-editor\" data-id=\"2bfafff2\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<script src=\"https:\/\/unpkg.com\/@lottiefiles\/lottie-player@latest\/dist\/lottie-player.js\"><\/script>\n<lottie-player src=\"https:\/\/assets1.lottiefiles.com\/packages\/lf20_l2ekftsq.json\"  background=\"transparent\"  speed=\"1\"  style=\"width: 300px; height: 300px;\"  loop  autoplay><\/lottie-player>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-7a26d3cf\" data-id=\"7a26d3cf\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5d84c3af elementor-widget elementor-widget-text-editor\" data-id=\"5d84c3af\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h3 style=\"text-align: center;\">Option 2 &#8211; Book an appointment, in the calendar below, for a call back to discuss your circumstances<\/h3>\n<script src=\"https:\/\/tidycal.com\/js\/embed.js\"><\/script>\n<div id=\"tidycal-embed\" data-path=\"helpadvice\/free-equity-release-consultation\"><\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2d5cdaea elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2d5cdaea\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2ab1aaf2\" data-id=\"2ab1aaf2\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-49921a13 elementor-widget elementor-widget-text-editor\" data-id=\"49921a13\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Key Equity Release is a trading name of Key Retirement Solutions Limited which is authorised and regulated by the Financial Conduct Authority<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-679738b2 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"679738b2\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-5d57a809\" data-id=\"5d57a809\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6f5c1909 elementor-widget elementor-widget-text-editor\" data-id=\"6f5c1909\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"content_hint\"><\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-3a583012\" data-id=\"3a583012\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-35513c72 elementor-widget elementor-widget-text-editor\" data-id=\"35513c72\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"content_hint\"><\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-2b0d8675\" data-id=\"2b0d8675\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7680f777 elementor-widget elementor-widget-text-editor\" data-id=\"7680f777\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"content_hint\"><\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-65270af7 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"65270af7\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2193f59f\" data-id=\"2193f59f\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-31fc5f22 elementor-widget elementor-widget-heading\" data-id=\"31fc5f22\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.21.0 - 24-04-2024 *\/\n.elementor-heading-title{padding:0;margin:0;line-height:1}.elementor-widget-heading .elementor-heading-title[class*=elementor-size-]>a{color:inherit;font-size:inherit;line-height:inherit}.elementor-widget-heading .elementor-heading-title.elementor-size-small{font-size:15px}.elementor-widget-heading .elementor-heading-title.elementor-size-medium{font-size:19px}.elementor-widget-heading .elementor-heading-title.elementor-size-large{font-size:29px}.elementor-widget-heading .elementor-heading-title.elementor-size-xl{font-size:39px}.elementor-widget-heading .elementor-heading-title.elementor-size-xxl{font-size:59px}<\/style><h2 class=\"elementor-heading-title elementor-size-default\"><b>Other articles about lifetime mortgages that you may find useful<\/b><\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-f412822 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f412822\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-de0c0bf\" data-id=\"de0c0bf\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f35b71b elementor-invisible elementor-widget elementor-widget-image\" data-id=\"f35b71b\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;zoomInDown&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<picture><source srcset=\"https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/06\/drawdown-lifetime-mortgage-2.webp 400w,https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/06\/drawdown-lifetime-mortgage-2-300x300.webp 300w,https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/06\/drawdown-lifetime-mortgage-2-150x150.webp 150w\"sizes=\"(max-width: 400px) 100vw, 400px\" type=\"image\/webp\"><img src=\"https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/06\/drawdown-lifetime-mortgage-2.jpg\" alt=\"drawdown lifetime mortgage (2)\" height=\"400\" width=\"400\" srcset=\"https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/06\/drawdown-lifetime-mortgage-2.jpg 400w, https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/06\/drawdown-lifetime-mortgage-2-300x300.jpg 300w, https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/06\/drawdown-lifetime-mortgage-2-150x150.jpg 150w\" sizes=\"(max-width: 400px) 100vw, 400px\" class=\"attachment-full size-full wp-image-754 sp-no-webp\" loading=\"lazy\" decoding=\"async\"  > <\/picture>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ac5bc10 elementor-widget elementor-widget-heading\" data-id=\"ac5bc10\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Drawdown Lifetime Mortgage<\/h4>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fdbae14 elementor-widget elementor-widget-text-editor\" data-id=\"fdbae14\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p style=\"text-align: left;\">A drawdown lifetime mortgage is a type of life mortgage where you can release equity from your home in a series of small withdrawals. This is instead of simply withdrawing one large cash lump sum at the start of the mortgage term.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d7d9e50 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"d7d9e50\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-md\" href=\"http:\/\/helpandadvice.co.uk\/drawdown-lifetime-mortgage\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Click here to read more<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-9e422d6\" data-id=\"9e422d6\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c27f1b1 elementor-invisible elementor-widget elementor-widget-image\" data-id=\"c27f1b1\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;zoomInDown&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<picture><source srcset=\"https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/06\/Lifetime-Mortgage-Rates-3.webp 400w,https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/06\/Lifetime-Mortgage-Rates-3-300x300.webp 300w,https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/06\/Lifetime-Mortgage-Rates-3-150x150.webp 150w\"sizes=\"(max-width: 400px) 100vw, 400px\" type=\"image\/webp\"><img src=\"https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/06\/Lifetime-Mortgage-Rates-3.jpg\" height=\"400\" width=\"400\" srcset=\"https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/06\/Lifetime-Mortgage-Rates-3.jpg 400w, https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/06\/Lifetime-Mortgage-Rates-3-300x300.jpg 300w, https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/06\/Lifetime-Mortgage-Rates-3-150x150.jpg 150w\" sizes=\"(max-width: 400px) 100vw, 400px\" class=\"attachment-full size-full wp-image-755 sp-no-webp\" loading=\"lazy\" decoding=\"async\"  > <\/picture>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-28d024e elementor-widget elementor-widget-heading\" data-id=\"28d024e\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Lifetime Mortgage Rates<\/h4>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-15452df elementor-widget elementor-widget-text-editor\" data-id=\"15452df\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>The majority of lifetime mortgages have a fixed interest rate for life. Therefore, they are sometimes called a \u2018lifetime fixed rate mortgage\u2019. The rate will range between providers and can change quite often..<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c60a5ff elementor-align-center elementor-widget elementor-widget-button\" data-id=\"c60a5ff\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-md\" href=\"http:\/\/helpandadvice.co.uk\/lifetime-mortgage-rates\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Click here to read more<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-86b0d8a\" data-id=\"86b0d8a\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d0343f2 elementor-invisible elementor-widget elementor-widget-image\" data-id=\"d0343f2\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;zoomInDown&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<picture><source srcset=\"https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/06\/Lifetime-Mortgage-Rates-4.webp 400w,https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/06\/Lifetime-Mortgage-Rates-4-300x300.webp 300w,https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/06\/Lifetime-Mortgage-Rates-4-150x150.webp 150w\"sizes=\"(max-width: 400px) 100vw, 400px\" type=\"image\/webp\"><img src=\"https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/06\/Lifetime-Mortgage-Rates-4.jpg\" height=\"400\" width=\"400\" srcset=\"https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/06\/Lifetime-Mortgage-Rates-4.jpg 400w, https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/06\/Lifetime-Mortgage-Rates-4-300x300.jpg 300w, https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/06\/Lifetime-Mortgage-Rates-4-150x150.jpg 150w\" sizes=\"(max-width: 400px) 100vw, 400px\" class=\"attachment-full size-full wp-image-756 sp-no-webp\" loading=\"lazy\" decoding=\"async\"  > <\/picture>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d1f5af0 elementor-widget elementor-widget-heading\" data-id=\"d1f5af0\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Mortgages For Pensioners<\/h4>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1c72a03 elementor-widget elementor-widget-text-editor\" data-id=\"1c72a03\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p style=\"text-align: right;\">If you are a pensioner in later life, you may be considering a lifetime mortgage as a way of supplementing your pension income, paying off debts, supporting family, or paying for home improvements in retirement.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8a1a528 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"8a1a528\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-md\" href=\"http:\/\/Lifetime%20Mortgages%20For%20Pensioners\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Click here to read more<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-9fb2646 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"9fb2646\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-9eb7a0a\" data-id=\"9eb7a0a\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0cd6621 elementor-invisible elementor-widget elementor-widget-image\" data-id=\"0cd6621\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;zoomInDown&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<picture><source srcset=\"https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/06\/Untitled-design-18.webp 400w,https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/06\/Untitled-design-18-300x300.webp 300w,https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/06\/Untitled-design-18-150x150.webp 150w\"sizes=\"(max-width: 400px) 100vw, 400px\" type=\"image\/webp\"><img src=\"https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/06\/Untitled-design-18.jpg\" height=\"400\" width=\"400\" srcset=\"https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/06\/Untitled-design-18.jpg 400w, https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/06\/Untitled-design-18-300x300.jpg 300w, https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/06\/Untitled-design-18-150x150.jpg 150w\" sizes=\"(max-width: 400px) 100vw, 400px\" class=\"attachment-full size-full wp-image-759 sp-no-webp\" loading=\"lazy\" decoding=\"async\"  > <\/picture>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d489128 elementor-widget elementor-widget-heading\" data-id=\"d489128\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Lifetime Mortgage Providers<\/h4>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-97d1629 elementor-widget elementor-widget-text-editor\" data-id=\"97d1629\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>The Equity Release Council trade body has\u00a014 members.\u00a0 These lifetime mortgage providers are authorised and regulated by the\u00a0Financial Conduct Authority. They all abide by the ERC\u2019s no negative equity guarantee.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4ea0bc1 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"4ea0bc1\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-md\" href=\"https:\/\/helpandadvice.co.uk\/lifetime-mortgage-providers\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Click here to read more<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-35107dd\" data-id=\"35107dd\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-57ed545 elementor-invisible elementor-widget elementor-widget-image\" data-id=\"57ed545\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;zoomInDown&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<picture><source srcset=\"https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/06\/home-reversion-plan-2.webp 400w,https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/06\/home-reversion-plan-2-300x300.webp 300w,https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/06\/home-reversion-plan-2-150x150.webp 150w\"sizes=\"(max-width: 400px) 100vw, 400px\" type=\"image\/webp\"><img src=\"https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/06\/home-reversion-plan-2.jpg\" height=\"400\" width=\"400\" srcset=\"https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/06\/home-reversion-plan-2.jpg 400w, https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/06\/home-reversion-plan-2-300x300.jpg 300w, https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/06\/home-reversion-plan-2-150x150.jpg 150w\" sizes=\"(max-width: 400px) 100vw, 400px\" class=\"attachment-full size-full wp-image-762 sp-no-webp\" loading=\"lazy\" decoding=\"async\"  > <\/picture>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-effaef1 elementor-widget elementor-widget-heading\" data-id=\"effaef1\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Home Reversion Plan<\/h4>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7805f98 elementor-widget elementor-widget-text-editor\" data-id=\"7805f98\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>A home reversion plan is a scheme where you sell all or part of your home to a mortgage company in return for tax-free cash. The money you release with a <a href=\"https:\/\/helpandadvice.co.uk\/home-reversion-plan\/\">home reversion scheme<\/a> can either be\u00a0a cash lump sum or a regular income.\u00a0<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4373d5a elementor-align-center elementor-widget elementor-widget-button\" data-id=\"4373d5a\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-md\" href=\"http:\/\/helpandadvice.co.uk\/home-reversion-plan\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Click here to read more<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-efb87da\" data-id=\"efb87da\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f77322b elementor-invisible elementor-widget elementor-widget-image\" data-id=\"f77322b\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;zoomInDown&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<picture><source srcset=\"https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/06\/home-reversion-calculator-2.webp 400w,https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/06\/home-reversion-calculator-2-300x300.webp 300w,https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/06\/home-reversion-calculator-2-150x150.webp 150w\"sizes=\"(max-width: 400px) 100vw, 400px\" type=\"image\/webp\"><img src=\"https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/06\/home-reversion-calculator-2.jpg\" alt=\"home reversion calculator (2)\" height=\"400\" width=\"400\" srcset=\"https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/06\/home-reversion-calculator-2.jpg 400w, https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/06\/home-reversion-calculator-2-300x300.jpg 300w, https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/06\/home-reversion-calculator-2-150x150.jpg 150w\" sizes=\"(max-width: 400px) 100vw, 400px\" class=\"attachment-full size-full wp-image-763 sp-no-webp\" loading=\"lazy\" decoding=\"async\"  > <\/picture>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-22b9767 elementor-widget elementor-widget-heading\" data-id=\"22b9767\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Home Reversion Calculator<\/h4>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8ccda2b elementor-widget elementor-widget-text-editor\" data-id=\"8ccda2b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p style=\"text-align: right;\">A home reversion equity release calculator is a tool that helps you find out how much money you could receive with home reversion plans. These are different from lifetime mortgage calculators that you often see.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4e8df9c elementor-align-center elementor-widget elementor-widget-button\" data-id=\"4e8df9c\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-md\" href=\"http:\/\/helpandadvice.co.uk\/home-reversion-calculator\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Click here to read more<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-64e05fb elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"64e05fb\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1795795\" data-id=\"1795795\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-053304e elementor-widget elementor-widget-text-editor\" data-id=\"053304e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h3 style=\"text-align: center;\">Frequently Asked Questions<\/h3><p><b>What is a lifetime mortgage?<\/b><\/p><p>Lifetime mortgages are a popular type of equity release where you take out a loan secured against the value of your home. This later life equity release scheme allows you to unlock money that is currently tied up in the value of your property.<\/p><p><b>How does a lifetime mortgage work?<\/b><\/p><p>Depending on the product you select, the money you receive from the loan will either be a tax-free cash lump sum,\u00a0 or a series of smaller withdrawals from a reserve savings account.<\/p><p>You do not need to sell your home when you take out lifetime mortgage plans. You will be able to continue <a href=\"https:\/\/helpandadvice.co.uk\/can-someone-live-with-me-in-my-council-house\/\">living in your house<\/a> until the end of the mortgage term, which is either after your death or once you have moved into long-term care.<\/p><p><b>What are the different types of lifetime mortgage?<\/b><\/p><p>There are several different types of lifetime mortgages available. Below are the key facts and advice about each kind of product.<\/p><p>An independent financial adviser will be able to give you more detailed information about each type of life time mortgage, and answer any questions you may have about how each product would work in your individual circumstances.<\/p><p><b>What is the maximum age for a lifetime mortgage?<\/b><\/p><p>There is usually no maximum age for lifetime mortgages. This is because lifetime mortgages are targeted towards people borrowing in later life, while they are in retirement.<\/p><p>However, there are strict lending criteria that you must meet to be eligible to borrow money from the lender using a lifetime mortgage.\u00a0<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-a688f2e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a688f2e\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-05dfcb9\" data-id=\"05dfcb9\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-62cf1b8 elementor-widget elementor-widget-elementor-faq-schema\" data-id=\"62cf1b8\" data-element_type=\"widget\" data-widget_type=\"elementor-faq-schema.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t                                    <script type=\"application\/ld+json\">\n                    {\n                        \"@context\": \"https:\/\/schema.org\",\n                        \"@type\": \"FAQPage\",\n                        \"mainEntity\": [\n                         {\n                            \"@type\": \"Question\",\n                            \"name\": \"- What is a lifetime mortgage?<br \/>\n<br \/>\n\",\n                            \"acceptedAnswer\": {\n                                \"@type\": \"Answer\",\n                                \"text\": \"&lt;p&gt;Lifetime mortgages are a popular type of equity release where you take out a loan secured against the value of your home. This later life equity release scheme allows you to unlock money that is currently tied up in the value of your property.&lt;\/p&gt;&lt;p&gt;&lt;a href=&quot;https:\/\/helpandadvice.co.uk\/lifetime-mortgage\/&quot;&gt;&lt;b&gt;&gt; CLICK HERE TO READ MORE &lt;&lt;\/b&gt;&lt;\/a&gt;&lt;\/p&gt;\"\n                            }\n                                                    },\n                                             {\n                            \"@type\": \"Question\",\n                            \"name\": \"- How does a lifetime mortgage work?<br \/>\n<br \/>\n\",\n                            \"acceptedAnswer\": {\n                                \"@type\": \"Answer\",\n                                \"text\": \"&lt;p&gt;Depending on the product you select, the money you receive from the loan will either be a tax-free cash lump sum, or a series of smaller withdrawals from a reserve savings account.&lt;\/p&gt;&lt;p&gt;You do not need to sell your home when you take out lifetime mortgage plans. You will be able to continue living in your house until the end of the mortgage term, which is either after your death or once you have moved into long-term care.&lt;\/p&gt;&lt;p&gt;&lt;a href=&quot;https:\/\/helpandadvice.co.uk\/lifetime-mortgage\/&quot;&gt;&lt;b&gt;&gt; CLICK HERE TO READ MORE &lt;&lt;\/b&gt;&lt;\/a&gt;&lt;\/p&gt;\"\n                            }\n                                                    },\n                                             {\n                            \"@type\": \"Question\",\n                            \"name\": \"- What are the different types of lifetime mortgage?<br \/>\n<br \/>\n\",\n                            \"acceptedAnswer\": {\n                                \"@type\": \"Answer\",\n                                \"text\": \"&lt;p&gt;There are several different types of lifetime mortgages available. Below are the key facts and advice about each kind of product.&lt;\/p&gt;&lt;p&gt;An independent financial adviser will be able to give you more detailed information about each type of life time mortgage, and answer any questions you may have about how each product would work in your individual circumstances.&lt;\/p&gt;&lt;p&gt;&lt;a href=&quot;https:\/\/helpandadvice.co.uk\/lifetime-mortgage\/&quot;&gt;&lt;b&gt;&gt; CLICK HERE TO READ MORE &lt;&lt;\/b&gt;&lt;\/a&gt;&lt;\/p&gt;\"\n                            }\n                                                    },\n                                             {\n                            \"@type\": \"Question\",\n                            \"name\": \"- What is the maximum age for a lifetime mortgage?<br \/>\n<br \/>\n\",\n                            \"acceptedAnswer\": {\n                                \"@type\": \"Answer\",\n                                \"text\": \"&lt;p&gt;There is usually no maximum age for lifetime mortgages. This is because lifetime mortgages are targeted towards people borrowing in later life, while they are in retirement.&lt;\/p&gt;&lt;p&gt;However, there are strict lending criteria that you must meet to be eligible to borrow money from the lender using a lifetime mortgage.&lt;\/p&gt;&lt;p&gt;&lt;a href=&quot;https:\/\/helpandadvice.co.uk\/lifetime-mortgage\/&quot;&gt;&lt;b&gt;&gt; CLICK HERE TO READ MORE &lt;&lt;\/b&gt;&lt;\/a&gt;&lt;\/p&gt;\"\n                            }\n                                                    }\n                    ]\n                    }\n                <\/script>\n                    \t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-67cb06b3 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"67cb06b3\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-228d95da\" data-id=\"228d95da\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-372cf3e elementor-widget elementor-widget-text-editor\" data-id=\"372cf3e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h4>Share this page<\/h4>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4060eaeb elementor-share-buttons--view-icon elementor-share-buttons--shape-circle elementor-share-buttons--align-left elementor-share-buttons--color-custom elementor-share-buttons--skin-gradient elementor-grid-0 elementor-widget elementor-widget-share-buttons\" data-id=\"4060eaeb\" 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38.73V256h68.78l-11 71.69h-57.78V501C413.31 482.38 504 379.78 504 256z\"><\/path><\/svg>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-grid-item\">\n\t\t\t\t\t\t<div\n\t\t\t\t\t\t\tclass=\"elementor-share-btn elementor-share-btn_twitter\"\n\t\t\t\t\t\t\trole=\"button\"\n\t\t\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\t\t\taria-label=\"Share on twitter\"\n\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__icon\">\n\t\t\t\t\t\t\t\t<svg class=\"e-font-icon-svg e-fab-twitter\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M459.37 151.716c.325 4.548.325 9.097.325 13.645 0 138.72-105.583 298.558-298.558 298.558-59.452 0-114.68-17.219-161.137-47.106 8.447.974 16.568 1.299 25.34 1.299 49.055 0 94.213-16.568 130.274-44.832-46.132-.975-84.792-31.188-98.112-72.772 6.498.974 12.995 1.624 19.818 1.624 9.421 0 18.843-1.3 27.614-3.573-48.081-9.747-84.143-51.98-84.143-102.985v-1.299c13.969 7.797 30.214 12.67 47.431 13.319-28.264-18.843-46.781-51.005-46.781-87.391 0-19.492 5.197-37.36 14.294-52.954 51.655 63.675 129.3 105.258 216.365 109.807-1.624-7.797-2.599-15.918-2.599-24.04 0-57.828 46.782-104.934 104.934-104.934 30.213 0 57.502 12.67 76.67 33.137 23.715-4.548 46.456-13.32 66.599-25.34-7.798 24.366-24.366 44.833-46.132 57.827 21.117-2.273 41.584-8.122 60.426-16.243-14.292 20.791-32.161 39.308-52.628 54.253z\"><\/path><\/svg>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-grid-item\">\n\t\t\t\t\t\t<div\n\t\t\t\t\t\t\tclass=\"elementor-share-btn elementor-share-btn_email\"\n\t\t\t\t\t\t\trole=\"button\"\n\t\t\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\t\t\taria-label=\"Share on email\"\n\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__icon\">\n\t\t\t\t\t\t\t\t<svg class=\"e-font-icon-svg e-fas-envelope\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M502.3 190.8c3.9-3.1 9.7-.2 9.7 4.7V400c0 26.5-21.5 48-48 48H48c-26.5 0-48-21.5-48-48V195.6c0-5 5.7-7.8 9.7-4.7 22.4 17.4 52.1 39.5 154.1 113.6 21.1 15.4 56.7 47.8 92.2 47.6 35.7.3 72-32.8 92.3-47.6 102-74.1 131.6-96.3 154-113.7zM256 320c23.2.4 56.6-29.2 73.4-41.4 132.7-96.3 142.8-104.7 173.4-128.7 5.8-4.5 9.2-11.5 9.2-18.9v-19c0-26.5-21.5-48-48-48H48C21.5 64 0 85.5 0 112v19c0 7.4 3.4 14.3 9.2 18.9 30.6 23.9 40.7 32.4 173.4 128.7 16.8 12.2 50.2 41.8 73.4 41.4z\"><\/path><\/svg>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-grid-item\">\n\t\t\t\t\t\t<div\n\t\t\t\t\t\t\tclass=\"elementor-share-btn elementor-share-btn_linkedin\"\n\t\t\t\t\t\t\trole=\"button\"\n\t\t\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\t\t\taria-label=\"Share on linkedin\"\n\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__icon\">\n\t\t\t\t\t\t\t\t<svg class=\"e-font-icon-svg e-fab-linkedin\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 32H31.9C14.3 32 0 46.5 0 64.3v383.4C0 465.5 14.3 480 31.9 480H416c17.6 0 32-14.5 32-32.3V64.3c0-17.8-14.4-32.3-32-32.3zM135.4 416H69V202.2h66.5V416zm-33.2-243c-21.3 0-38.5-17.3-38.5-38.5S80.9 96 102.2 96c21.2 0 38.5 17.3 38.5 38.5 0 21.3-17.2 38.5-38.5 38.5zm282.1 243h-66.4V312c0-24.8-.5-56.7-34.5-56.7-34.6 0-39.9 27-39.9 54.9V416h-66.4V202.2h63.7v29.2h.9c8.9-16.8 30.6-34.5 62.9-34.5 67.2 0 79.7 44.3 79.7 101.9V416z\"><\/path><\/svg>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>This page was last updated on .\u00a0 Lifetime Mortgage In If you are looking for some extra cash income in retirement, you may be considering releasing equity from your home. The most popular type of equity release in 2020 is a lifetime mortgage. The money you get from lifetime mortgages might help you pay for [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"_links":{"self":[{"href":"https:\/\/helpandadvice.co.uk\/wp-json\/wp\/v2\/pages\/1411"}],"collection":[{"href":"https:\/\/helpandadvice.co.uk\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/helpandadvice.co.uk\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/helpandadvice.co.uk\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/helpandadvice.co.uk\/wp-json\/wp\/v2\/comments?post=1411"}],"version-history":[{"count":14,"href":"https:\/\/helpandadvice.co.uk\/wp-json\/wp\/v2\/pages\/1411\/revisions"}],"predecessor-version":[{"id":20127,"href":"https:\/\/helpandadvice.co.uk\/wp-json\/wp\/v2\/pages\/1411\/revisions\/20127"}],"wp:attachment":[{"href":"https:\/\/helpandadvice.co.uk\/wp-json\/wp\/v2\/media?parent=1411"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}