{"id":724,"date":"2020-06-15T11:48:17","date_gmt":"2020-06-15T10:48:17","guid":{"rendered":"http:\/\/helpandadvice.co.uk\/?p=724"},"modified":"2024-01-29T11:39:07","modified_gmt":"2024-01-29T11:39:07","slug":"lifetime-mortgage-providers","status":"publish","type":"post","link":"https:\/\/helpandadvice.co.uk\/lifetime-mortgage-providers\/","title":{"rendered":"LIFETIME MORTGAGE PROVIDERS | UK"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"724\" class=\"elementor elementor-724\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-21bf765 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"21bf765\" 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-f92d253\" data-id=\"f92d253\" 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-a7765af elementor-widget elementor-widget-image\" data-id=\"a7765af\" 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\/06\/Lifetime-mortgage-providers-1.webp 1200w,https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/06\/Lifetime-mortgage-providers-1-300x113.webp 300w,https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/06\/Lifetime-mortgage-providers-1-1024x384.webp 1024w,https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/06\/Lifetime-mortgage-providers-1-768x288.webp 768w\"sizes=\"(max-width: 1200px) 100vw, 1200px\" type=\"image\/webp\"><img src=\"https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/06\/Lifetime-mortgage-providers-1.jpg\" alt=\"Lifetime mortgage providers\" height=\"450\" width=\"1200\" srcset=\"https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/06\/Lifetime-mortgage-providers-1.jpg 1200w, https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/06\/Lifetime-mortgage-providers-1-300x113.jpg 300w, https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/06\/Lifetime-mortgage-providers-1-1024x384.jpg 1024w, https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/06\/Lifetime-mortgage-providers-1-768x288.jpg 768w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" class=\"attachment-full size-full wp-image-726 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-22c3f9da elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"22c3f9da\" 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-3e78ebda\" data-id=\"3e78ebda\" 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-5d355857 elementor-widget elementor-widget-text-editor\" data-id=\"5d355857\" 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;\">\u00a0<\/p><h1 style=\"text-align: center;\">Lifetime Mortgage Providers<\/h1>\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-42303119 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"42303119\" 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-4f73e21e\" data-id=\"4f73e21e\" 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-79308f91 elementor-widget elementor-widget-text-editor\" data-id=\"79308f91\" 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>If you are feeling short on money in retirement, you may be looking for the right lifetime mortgage scheme to supplement your pension income.<\/p><p>This article is a guide to lifetime mortgages providers. It gives you advice on how to find the right scheme for your situation and answers some of the most frequently asked questions about this kind of equity release.<\/p><p>You will also be able to speak to a lifetime mortgage advisor.\u00a0 You can find details of how to contact us on this page.\u00a0\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-6bff49ee elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6bff49ee\" 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-24a0c634\" data-id=\"24a0c634\" 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-19ec6f14 elementor-widget elementor-widget-table-of-contents\" data-id=\"19ec6f14\" data-element_type=\"widget\" data-settings=\"{&quot;exclude_headings_by_selector&quot;:[],&quot;headings_by_tags&quot;:[&quot;h2&quot;],&quot;min_height&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:0,&quot;sizes&quot;:[]},&quot;marker_view&quot;:&quot;numbers&quot;,&quot;hierarchical_view&quot;:&quot;yes&quot;,&quot;min_height_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;min_height_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"table-of-contents.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.elementor-widget-table-of-contents 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.elementor-toc__list-item-text{white-space:nowrap;overflow:hidden;text-overflow:ellipsis}.elementor-toc__list-items--collapsible>.elementor-toc__list-wrapper>.elementor-toc__list-item>.elementor-toc__list-wrapper{display:none}.elementor-toc__heading-anchor{position:absolute}.elementor-toc__body .elementor-toc__list-item-text{color:var(--item-text-color);-webkit-text-decoration:var(--item-text-decoration);text-decoration:var(--item-text-decoration)}.elementor-toc__body .elementor-toc__list-item-text:hover{color:var(--item-text-hover-color);-webkit-text-decoration:var(--item-text-hover-decoration);text-decoration:var(--item-text-hover-decoration)}.elementor-toc__body .elementor-toc__list-item-text.elementor-item-active{color:var(--item-text-active-color);-webkit-text-decoration:var(--item-text-active-decoration);text-decoration:var(--item-text-active-decoration)}ol.elementor-toc__list-wrapper{counter-reset:item}ol.elementor-toc__list-wrapper .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<\/div>\n\t\t<div class=\"elementor-toc__body\">\n\t\t\t<div class=\"elementor-toc__spinner-container\">\n\t\t\t\t<svg class=\"elementor-toc__spinner eicon-animation-spin e-font-icon-svg e-eicon-loading\" aria-hidden=\"true\" viewBox=\"0 0 1000 1000\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M500 975V858C696 858 858 696 858 500S696 142 500 142 142 304 142 500H25C25 237 238 25 500 25S975 237 975 500 763 975 500 975Z\"><\/path><\/svg>\t\t\t<\/div>\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-50 elementor-top-column elementor-element elementor-element-fa99c33\" data-id=\"fa99c33\" 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-35a9e53 elementor-widget elementor-widget-text-editor\" data-id=\"35a9e53\" 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 listen to an audio recording of the page below.<\/p><p><iframe src=\"https:\/\/play.ht\/embed\/?article_url=https:\/\/play.ht\/drafts\/A0rTnOsV6cNAh2LJIKzXvRMuwrr2\/s0IWVkmr1&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-22c0f27a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"22c0f27a\" 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-68c13414\" data-id=\"68c13414\" 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-385f8b4 elementor-widget elementor-widget-text-editor\" data-id=\"385f8b4\" 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-be4bfa5 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"be4bfa5\" 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-531583f3\" data-id=\"531583f3\" 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-129eae11 elementor-widget elementor-widget-text-editor\" data-id=\"129eae11\" 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 a lifetime mortgage?<\/b><\/h2><p>Lifetime mortgage schemes are a type of equity release which is secured against your home. This loan allows you to unlock money which is currently tied up in your property.\u00a0\u00a0<\/p><p>This money may take the form of a tax-free cash sum, or a series of smaller withdrawals. There are different types of plan available, such as roll-up, drawdown, flexible and enhanced lifetime mortgages.<\/p><p>Releasing equity may impact your entitlement to receive state benefits and pension credit and it may change your <a href=\"https:\/\/helpandadvice.co.uk\/when-do-you-start-paying-council-tax-after-buying-a-house\/\">council tax<\/a> position.\u00a0 It will also leave less for your family to inherit.<\/p><p>Speak to a financial advisor to determine which option is best for your financial situation.<\/p><p>Here is a short video explaining what a lifetime mortgage is.<\/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-2aa2922 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2aa2922\" 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-8c78c3b\" data-id=\"8c78c3b\" 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-e3e8e08 elementor-widget elementor-widget-heading\" data-id=\"e3e8e08\" 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\">A video explaining all you need to know about Lifetime Mortgages<\/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-b2091ce elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b2091ce\" 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-e8ecb2f\" data-id=\"e8ecb2f\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\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-09f7b58\" data-id=\"09f7b58\" 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-25fd036 elementor-widget elementor-widget-text-editor\" data-id=\"25fd036\" 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=\"mv-video-target mv-video-id-gzfnlvxzkyf8gphs8sef\" data-video-id=\"gzfnlvxzkyf8gphs8sef\"   data-volume=\"70\"  data-ratio=\"16:9\" ><\/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-f284e05\" data-id=\"f284e05\" 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-3975c122 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3975c122\" 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-19e4cddd\" data-id=\"19e4cddd\" 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-505edeb4 elementor-widget elementor-widget-text-editor\" data-id=\"505edeb4\" 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>Who are the main lifetime mortgage companies in the UK?<\/b><\/h2><p>The Equity Release Council trade body has<a href=\"https:\/\/www.equityreleasecouncil.com\/find-a-member\/providers\/\" target=\"_blank\" rel=\"noopener\"> 14 members<\/a>.\u00a0<\/p><p>These lifetime mortgage providers are authorised and regulated by the\u00a0<a href=\"https:\/\/www.fca.org.uk\/\" target=\"_blank\" rel=\"noopener\"> Financial Conduct Authority<\/a>. They all abide by the ERC\u2019s no negative equity guarantee, meaning that you will never owe more than the value of your home.<\/p><p>12 of the members offer lifetime mortgages. The other two members,\u00a0 Retirement Bridge Group and Retirement Plus, specialise in <a href=\"https:\/\/helpandadvice.co.uk\/home-reversion-plan\/\">home reversion plans<\/a>.<\/p><p>You will find more information about the features of the different lifetime mortgage lenders below.<\/p><p>Whilst most providers have a minimum age most will offer a <a href=\"https:\/\/helpandadvice.co.uk\/lifetime-mortgages-for-pensioners\/\">lifetime mortgage to pensioners.\u00a0<\/a><\/p><h2><b>What is the interest rate for a lifetime mortgage?<\/b><\/h2><p>The majority of <a href=\"https:\/\/helpandadvice.co.uk\/what-happens-when-my-fixed-rate-mortgage-ends\/\">lifetime\u00a0mortgages have a fixed rate<\/a> for the entire term. The exact rate depends on the lender, the amount you are borrowing, and the type of product that you select.<\/p><p>The cheapest services start between 2.5% and 3% AER, but it is not unusual for a plan to be fixed at 4-6% AER.<\/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-24f02e0e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"24f02e0e\" 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-365f17aa\" data-id=\"365f17aa\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\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-4fe680a3 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4fe680a3\" 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-39e13cb0\" data-id=\"39e13cb0\" 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-357b4279 elementor-widget elementor-widget-text-editor\" data-id=\"357b4279\" 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>Can you buy a property with a flexible lifetime mortgage?<\/b><\/h2><p>It is becoming increasingly popular for customers to buy a new property with a flexible lifetime mortgage.<\/p><p>When you sell the home you are currently living in, you can secure a flexible lifetime mortgage against the property you are moving to. This means you can supplement your <a class=\"wpil_keyword_link\" href=\"https:\/\/helpandadvice.co.uk\/how-much-savings-can-i-have-on-housing-benefit\/\" title=\"savings\" data-wpil-keyword-link=\"linked\">savings<\/a> and the proceeds of the sale with the money you get paid through equity release.<\/p><h3><b>Best Lifetime Mortgage Providers<\/b><\/h3><p>Here is a list of some of the best lifetime mortgage providers in the UK. These would typically be considered the leading lifetime mortgage lenders.<\/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-340b58b1 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"340b58b1\" 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-16b55125\" data-id=\"16b55125\" 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-7bac47b5 elementor-widget elementor-widget-text-editor\" data-id=\"7bac47b5\" 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_mobile_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-65bebef2 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"65bebef2\" 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-49b065e3\" data-id=\"49b065e3\" 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-1d31c597 elementor-widget elementor-widget-text-editor\" data-id=\"1d31c597\" 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>Aviva<\/b><\/h3><ul><li>Aviva is the UK\u2019s<a href=\"https:\/\/www.equityreleasecouncil.com\/company\/aviva\/\" target=\"_blank\" rel=\"noopener\"> largest insurer<\/a>. Both<a href=\"https:\/\/www.aviva.co.uk\/retirement\/already-retired\/equity-release\/\" target=\"_blank\" rel=\"noopener\"> flexible withdrawal and voluntary partial repayment<\/a> options are available.<\/li><li>You can also opt in to <a href=\"https:\/\/helpandadvice.co.uk\/inheritance-protection-trust\/\">Inheritance Protection<\/a>, meaning you will be able to safeguard a percentage of the value of your home to leave to your estate.<\/li><li>Downsizing Protection is included in Aviva\u2019s lifetime mortgages in case you want to downsize to a property that doesn\u2019t meet the lending criteria.<\/li><\/ul><h3><b>Canada Life<\/b><\/h3><ul><li>Valuation is free for Canada Life\u2019s<a href=\"https:\/\/www.canadalife.co.uk\/home-finance\/lifetime-mortgages\/\" target=\"_blank\" rel=\"noopener\"> equity release mortgages<\/a>.<\/li><li>You can add a cash reserve facility to your lifetime mortgage when you apply.<\/li><li>Their<a href=\"https:\/\/www.canadalife.co.uk\/home-finance\/lifetime-mortgages\/lifestyle-options\" target=\"_blank\" rel=\"noopener\"> Early Repayment Charges<\/a> (ERCs) are fixed for the first 8 years.<\/li><li>Canada Life also offer an Inheritance Guarantee, so you can <a href=\"https:\/\/helpandadvice.co.uk\/property-protection-trust\/\">protect a proportion of the value of your property<\/a> as inheritance for your family.<\/li><li>Their<a href=\"https:\/\/www.canadalife.co.uk\/home-finance\/lifetime-mortgages\/interest-select-options\" target=\"_blank\" rel=\"noopener\"> Interest Select<\/a> mortgages let you pay 50-100% of the interest each month for between 5 years and the total mortgage term. These products also have Downsizing Protection after the 5th year, and an ERC Waiver during the first three.<\/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-74a4f097 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"74a4f097\" 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-2adab8c6\" data-id=\"2adab8c6\" 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-26c0e114 elementor-widget elementor-widget-text-editor\" data-id=\"26c0e114\" 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-a8df01 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a8df01\" 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-3f64797e\" data-id=\"3f64797e\" 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-5e73b1de elementor-widget elementor-widget-text-editor\" data-id=\"5e73b1de\" 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>The latest equity release interest rates as at 1 April 2024<\/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-8b49638 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"8b49638\" 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-3f687fcd\" data-id=\"3f687fcd\" 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-3d9cebc6 elementor-widget elementor-widget-text-editor\" data-id=\"3d9cebc6\" 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 table below shows you the latest rates, as at 1 April 2024, for lifetime mortgages from some of the leading equity release providers in the UK.<\/p><p><div id=\"footable_parent_23110\"\n         class=\" footable_parent ninja_table_wrapper loading_ninja_table wp_table_data_press_parent semantic_ui colored_table\">\n                <table data-ninja_table_instance=\"ninja_table_instance_0\" data-footable_id=\"23110\" data-filter-delay=\"1000\" aria-label=\"Equity Release Interest Rates\"            id=\"footable_23110\"\n           data-unique_identifier=\"ninja_table_unique_id_201761053_23110\"\n           class=\" foo-table ninja_footable foo_table_23110 ninja_table_unique_id_201761053_23110 ui table  nt_type_legacy_table selectable striped vertical_centered ninja_custom_color inverted footable-paging-right ninja_table_pro\">\n                <colgroup>\n                            <col class=\"ninja_column_0 \">\n                            <col class=\"ninja_column_1 \">\n                            <col class=\"ninja_column_2 \">\n                            <col class=\"ninja_column_3 \">\n                    <\/colgroup>\n        <thead>\n<tr class=\"footable-header\">\n                                                                        <th scope=\"col\"  class=\"ninja_column_0 ninja_clmn_nm_product \">Product<\/th><th scope=\"col\"  class=\"ninja_column_1 ninja_clmn_nm_provider \">Provider<\/th><th scope=\"col\"  class=\"ninja_column_2 ninja_clmn_nm_interestrate \">Interest Rate<\/th><th scope=\"col\"  class=\"ninja_column_3 ninja_clmn_nm_incentives \">Incentives<\/th><\/tr>\n<\/thead>\n<tbody>\n\n        <tr data-row_id=\"0\" class=\"ninja_table_row_0 nt_row_id_0\">\n            <td><\/td><td><\/td><td>5.35%<\/td><td><\/td>        <\/tr>\n            <tr data-row_id=\"1\" class=\"ninja_table_row_1 nt_row_id_1\">\n            <td><\/td><td><\/td><td>5.40%<\/td><td><\/td>        <\/tr>\n            <tr data-row_id=\"2\" class=\"ninja_table_row_2 nt_row_id_2\">\n            <td><\/td><td><\/td><td>5.50%<\/td><td><\/td>        <\/tr>\n            <tr data-row_id=\"3\" class=\"ninja_table_row_3 nt_row_id_3\">\n            <td><\/td><td><\/td><td>5.50%<\/td><td><\/td>        <\/tr>\n            <tr data-row_id=\"4\" class=\"ninja_table_row_4 nt_row_id_4\">\n            <td><\/td><td><\/td><td>5.50%<\/td><td><\/td>        <\/tr>\n            <tr data-row_id=\"5\" class=\"ninja_table_row_5 nt_row_id_5\">\n            <td><\/td><td><\/td><td>5.55%<\/td><td><\/td>        <\/tr>\n            <tr data-row_id=\"6\" class=\"ninja_table_row_6 nt_row_id_6\">\n            <td><\/td><td><\/td><td>5.57%<\/td><td><\/td>        <\/tr>\n            <tr data-row_id=\"7\" class=\"ninja_table_row_7 nt_row_id_7\">\n            <td><\/td><td><\/td><td>5.59%<\/td><td><\/td>        <\/tr>\n            <tr data-row_id=\"8\" class=\"ninja_table_row_8 nt_row_id_8\">\n            <td><\/td><td><\/td><td>5.59%<\/td><td><\/td>        <\/tr>\n            <tr data-row_id=\"9\" class=\"ninja_table_row_9 nt_row_id_9\">\n            <td><\/td><td><\/td><td>5.60%<\/td><td><\/td>        <\/tr>\n    <\/tbody><!--ninja_tobody_rendering_done-->\n    <\/table>\n                    <style type=\"text\/css\" id='ninja_table_custom_css_23110'>\n                        #footable_23110  {\n    font-family: inherit;\n    font-size: 14px;\n    }\n\n\n    #footable_23110 tbody tr td span.fooicon-plus:before {\n    background-color:  !important;\n    }\n    #footable_23110 tbody tr td span.fooicon-minus:before {\n    background-color:  !important;\n    }\n\n    #footable_23110 tbody tr:hover td span.fooicon-plus:before {\n    background-color:  !important;\n    }\n    #footable_23110 tbody tr:hover td span.fooicon-minus:before {\n    background-color:  !important;\n    }\n\n    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       #footable_23110 tbody tr:hover {\n    background-color:  !important;\n    color:  !important;\n    }\n    #footable_23110 tbody tr:hover td {\n    border-color:  !important;\n    }\n    \n    #footable_23110 tfoot .footable-paging {\n    background-color:  !important;\n    }\n    #footable_23110 tfoot .footable-paging .footable-page.active a {\n    background-color:  !important;\n    }\n    #footable_23110:not(.hide_all_borders) tfoot tr.footable-paging td {\n    border-color:  !important;\n    }\n\n                <\/style>\n                \n    \n    \n<\/div>\n<\/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-44382907 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"44382907\" 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-6f97c944\" data-id=\"6f97c944\" 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-7b7078a elementor-widget elementor-widget-text-editor\" data-id=\"7b7078a\" 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>Hodge<\/b><\/h3><ul><li><a href=\"https:\/\/www.equityreleasecouncil.com\/company\/hodge\/\" target=\"_blank\" rel=\"noopener\">Hodge<\/a> offers Downsizing Protection, so you will not incur fees if you repay your loan early after selling your home and moving to a different property<\/li><li><a href=\"https:\/\/hodgebank.co.uk\/intermediaries\/mortgages\/equity-release\/\" target=\"_blank\" rel=\"noopener\">All Hodge\u2019s types of lifetime mortgages<\/a> include a Flexible Repayment Option. Up to 10% of the initial loan can be repaid every year without incurring ERCs.<\/li><li>\u00a0Both lump sum and flexible drawdown options are available with interest rates between 4% and 4.5%. For flexible lifetime mortgages, there is a minimum cash drawdown of \u00a31000 per withdrawal.<\/li><li>Their standard loan-to-value (LTV) is between 15% and 48%.<\/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-c3d2bc6 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c3d2bc6\" 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-47724945\" data-id=\"47724945\" 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-5a2352cf elementor-widget elementor-widget-text-editor\" data-id=\"5a2352cf\" 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-7b3ca8c8 elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7b3ca8c8\" 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-48140190\" data-id=\"48140190\" 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-6f16eda9 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=\"6f16eda9\" 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 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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\"Lifetime mortgage providers are regulated by the Financial Conduct Authority. They all abide by the ERC\u2019s no negative equity guarantee, meaning that you will never owe more than the value of your home\"\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=%22Lifetime+mortgage+providers+are+regulated+by+the+Financial+Conduct+Authority.+They+all+abide+by+the+ERC%E2%80%99s+no+negative+equity+guarantee%2C+meaning+that+you+will+never+owe+more+than+the+value+of+your+home%22+%E2%80%94+Help+&amp;Advice&amp;url=https%3A%2F%2Fhelpandadvice.co.uk%2Fwp-json%2Fwp%2Fv2%2Fposts%2F724\" 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-3b23faa8\" data-id=\"3b23faa8\" 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-75af515e elementor-widget elementor-widget-text-editor\" data-id=\"75af515e\" 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>Just<\/b><\/h3><ul><li>\u00a0Just\u2019s<a href=\"https:\/\/www.wearejust.co.uk\/products\/equity-release\/our-equity-release\/\" target=\"_blank\" rel=\"noopener\"> equity release with a mortgage<\/a> grants you an initial lump sum with a drawdown cash facility.<\/li><li>You can opt into monthly payments to pay some or all the interest by direct debit. The minimum amount of money to be repaid each month is \u00a325, up to a maximum of the total monthly interest.<\/li><li>These monthly payments will reduce the roll-up in accordance with the percentage of interest being paid each month.<\/li><li>The minimum loan amount is \u00a310,000, or \u00a330,000 if you will be making payments each month.<\/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-12bc770 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"12bc770\" 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-9e6cd65\" data-id=\"9e6cd65\" 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-312d417 elementor-widget elementor-widget-image\" data-id=\"312d417\" 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\/lifetime-mortgage-advisors.webp 1200w,https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/06\/lifetime-mortgage-advisors-300x75.webp 300w,https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/06\/lifetime-mortgage-advisors-1024x256.webp 1024w,https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/06\/lifetime-mortgage-advisors-768x192.webp 768w\"sizes=\"(max-width: 1200px) 100vw, 1200px\" type=\"image\/webp\"><img src=\"https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/06\/lifetime-mortgage-advisors.jpg\" alt=\"lifetime mortgage advisors\" height=\"300\" width=\"1200\" srcset=\"https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/06\/lifetime-mortgage-advisors.jpg 1200w, https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/06\/lifetime-mortgage-advisors-300x75.jpg 300w, https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/06\/lifetime-mortgage-advisors-1024x256.jpg 1024w, https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/06\/lifetime-mortgage-advisors-768x192.jpg 768w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" class=\"attachment-full size-full wp-image-15697 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-1992ec82 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1992ec82\" 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-7481537d\" data-id=\"7481537d\" 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-509c595c elementor-widget elementor-widget-text-editor\" data-id=\"509c595c\" 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-63e4f73d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"63e4f73d\" 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-48bc7932\" data-id=\"48bc7932\" 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-38b60bb7 elementor-widget elementor-widget-text-editor\" data-id=\"38b60bb7\" 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>Legal &amp; General<\/b><\/h3><ul><li><a href=\"https:\/\/www.legalandgeneral.com\/retirement\/our-products\/lifetime-mortgage-equity-release\/\" target=\"_blank\" rel=\"noopener\">Legal &amp; General<\/a> have two main types of mortgage schemes: Flexible Lifetime Mortgages and Optional Payment Lifetime Mortgages.<\/li><li>Both of these schemes come with the ability to borrow more in the future if you don\u2019t take the maximum amount at the beginning of the mortgage. However, later withdrawals may have different interest rates.<\/li><li>Cashback and Inheritance Protection<a href=\"https:\/\/ukcareguide.co.uk\/lifetime-mortgages\/\" target=\"_blank\" rel=\"noopener\"> are offered.<\/a><\/li><li><a href=\"https:\/\/www.legalandgeneral.com\/retirement\/our-products\/lifetime-mortgage-equity-release\/income\/\" target=\"_blank\" rel=\"noopener\">Income Lifetime Mortgages<\/a> are also on offer. This is where you receive an initial lump sum and then a tax-free income every month over a <a href=\"https:\/\/helpandadvice.co.uk\/remortgage-after-fixed-term\/\">fixed term<\/a> of 10, 15, 20, or 25 years.<\/li><\/ul><h3><b>LV=<\/b><\/h3><ul><li>The minimum initial advance or lump sum is \u00a310,000.<\/li><li>With LV=\u2019s<a href=\"https:\/\/www.lv.com\/pensions-retirement\/equity-release\/types-of-equity-release\/lifetime-mortgage\" target=\"_blank\" rel=\"noopener\"> Lump Sum Lifetime Mortgage<\/a>, you may be able to borrow more in the future, but there is no guarantee of this.<\/li><li>Their<a href=\"https:\/\/www.lv.com\/pensions-retirement\/equity-release\/types-of-equity-release\/flexible-lifetime-mortgage\" target=\"_blank\" rel=\"noopener\"> Flexible Mortgages<\/a> have a maximum loan of either three times the initial amount, or the maximum LTV (whichever is less). You can draw down from this cash reserve over the next 15 years. Each withdrawal must be \u00a32,000 or more.<\/li><li>Two free revaluations are included in the Flexible plan so that you can increase your maximum loan amount if the value of your home has increased.<\/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-40e493e9 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"40e493e9\" 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-34f4f2a8\" data-id=\"34f4f2a8\" 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-2c28a75e elementor-widget elementor-widget-text-editor\" data-id=\"2c28a75e\" 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_mobile_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-6accf56 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6accf56\" 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-447a11f9\" data-id=\"447a11f9\" 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-29757900 elementor-widget elementor-widget-text-editor\" data-id=\"29757900\" 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>More 2 life<\/b><\/h3><ul><li>More 2 Life have<a href=\"https:\/\/www.more2life.co.uk\/our-lifetime-mortgages\" target=\"_blank\" rel=\"noopener\"> the widest variety<\/a> of lifetime mortgage services. Their different categories are: Prime, Maximum, Tailored, Capital, and Flexi.<\/li><li>Their LTVs range from 5% to 56%.<\/li><li>Different plans have different features, including Inheritance Protection, Downsizing Protection, Repayment Charge Exemption, Partial Repayments, and cashback.<\/li><\/ul><h3><b>Nationwide Building Society<\/b><\/h3><ul><li>There are no valuation or product fees for<a href=\"https:\/\/www.nationwide.co.uk\/products\/mortgages\/borrowing-in-later-life\/equity-release-lifetime-mortgage\" target=\"_blank\" rel=\"noopener\"> Nationwide\u2019s equity release mortgage<\/a>.<\/li><li>\u00a31000 cashback upon completion of the application. This can help cover the costs for the independent advice that you must seek before taking out a lifetime mortgage.<\/li><li>You can pay back up to 10% of the loan each year without incurring any charges.<\/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-1f5e41e2 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1f5e41e2\" 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-7d8f5b50\" data-id=\"7d8f5b50\" 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-3b2b5012 elementor-widget elementor-widget-text-editor\" data-id=\"3b2b5012\" 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-28757b5f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"28757b5f\" 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-6c9f915c\" data-id=\"6c9f915c\" 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-3ef8f5c8 elementor-widget elementor-widget-image\" data-id=\"3ef8f5c8\" 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\/Untitled-design-4.webp 1200w,https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/06\/Untitled-design-4-300x75.webp 300w,https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/06\/Untitled-design-4-1024x256.webp 1024w,https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/06\/Untitled-design-4-768x192.webp 768w\"sizes=\"(max-width: 1200px) 100vw, 1200px\" type=\"image\/webp\"><img src=\"https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/06\/Untitled-design-4.png\" alt=\"Lifetime Mortgage Providers\" height=\"300\" width=\"1200\" srcset=\"https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/06\/Untitled-design-4.png 1200w, https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/06\/Untitled-design-4-300x75.png 300w, https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/06\/Untitled-design-4-1024x256.png 1024w, https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/06\/Untitled-design-4-768x192.png 768w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" class=\"attachment-full size-full wp-image-28249 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-7c5edcb4 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7c5edcb4\" 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-7ba46ae9\" data-id=\"7ba46ae9\" 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-1dd9cc65 elementor-widget elementor-widget-text-editor\" data-id=\"1dd9cc65\" 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_mobile_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-483490bf elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"483490bf\" 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-4df5cbeb\" data-id=\"4df5cbeb\" 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-20a55f46 elementor-widget elementor-widget-text-editor\" data-id=\"20a55f46\" 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>OneFamily<\/b><\/h3><ul><li>OneFamily\u2019s lifetime <a href=\"https:\/\/helpandadvice.co.uk\/how-long-should-i-fix-my-mortgage-for\/\">mortgages have both fixed<\/a> and variable interest options.<\/li><li>They also offer both Standard LTV and<a href=\"https:\/\/www.onefamilyadviser.com\/lifetime-mortgages\/fixed-rate\/super-ltv\/\" target=\"_blank\" rel=\"noopener\"> Super LTV<\/a> fixed rate services. Super LTV products are for those aged 70-100. They allow you to borrow more money (45-58% loan-to-value), but at a higher rate.<\/li><li>Downsizing Protection is included after the 5th year.<\/li><\/ul><h3><b>Pure Retirement<\/b><\/h3><ul><li>This lender offers<a href=\"https:\/\/www.equityreleasesupermarket.com\/providers\/pure-retirement\" target=\"_blank\" rel=\"noopener\"> two ranges<\/a> of lifetime mortgages: Pure Max Drawdown, and Pure Sovereign.<\/li><li>The Pure Max Drawdown products have higher LTVs and a cash facility. Pure Sovereign schemes have a lower maximum LTV and lower interest rates.<\/li><li><a href=\"https:\/\/www.pureretirement.co.uk\/\" target=\"_blank\" rel=\"noopener\">Pure Retirement<\/a> may cover the costs of the arrangement and legal fees for you upon completion of the application, but they do not guarantee this.<\/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-3e694b31 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3e694b31\" 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-75bf6383\" data-id=\"75bf6383\" 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-39f8c5ca elementor-widget elementor-widget-text-editor\" data-id=\"39f8c5ca\" 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_mobile_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-45973527 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"45973527\" 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-4fd0e3aa\" data-id=\"4fd0e3aa\" 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-346f071 elementor-widget elementor-widget-text-editor\" data-id=\"346f071\" 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>Responsible Lending<\/b><\/h3><ul><li>Responsible Lending has both lump sum and drawdown later life mortgages available.<\/li><li>All of their <a href=\"https:\/\/helpandadvice.co.uk\/lifetime-mortgage-rates\/\">lifetime mortgage rates<\/a> are fixed and you will not pay interest month by month. The interest simply compounds on the initial amount of money loaned over the full length of the mortgage.<\/li><\/ul><h3><b>Scottish Widows<\/b><\/h3><ul><li>You can use a drawdown facility for the first seven years of your mortgage<\/li><li>The<a href=\"https:\/\/www.equityreleasecouncil.com\/company\/scottish-widows\/\" target=\"_blank\" rel=\"noopener\"> mortgage is portable<\/a>, so you can transfer your loan to another house if you want to move. Downsizing and Inheritance Protection are also in place.<\/li><li>You can make voluntary interest repayments without being charged an ERC.<\/li><\/ul><p>No matter which later life mortgage provider you choose, you need to speak to a specialist financial adviser to make sure you properly understand all the details.\u00a0<\/p><p>They will be able to answer any questions you may have about the different mortgage options and help you find the right product. The adviser will also be able to talk you through the impact that a lifetime mortgage can have on your tax position, means-tested benefits, and pension credit.<\/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-2a7c9824 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2a7c9824\" 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-1850d36\" data-id=\"1850d36\" 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-1d0249b2 elementor-widget elementor-widget-text-editor\" data-id=\"1d0249b2\" 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-182cbd60 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"182cbd60\" 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-141aea89\" data-id=\"141aea89\" 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-7cbcc802 elementor-widget elementor-widget-text-editor\" data-id=\"7cbcc802\" 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 interest rate for a lifetime mortgage?<\/b><\/h2><p>The majority of lifetime <a href=\"https:\/\/helpandadvice.co.uk\/fixed-term-contract-mortgage\/\">mortgages have a fixed rate for the entire term<\/a>. The exact rate depends on the lender, the amount you are borrowing, and the type of product that you select.<\/p><p>The cheapest services start between 2.5% and 3% AER, but it is not unusual for a plan to be fixed at 4-6% AER.<\/p><p>The interest will continue to roll-up until you die or move into long-term care. At this point, they will sell your house and your debt will be repaid with the proceeds of the sale.<\/p><p>This means that debt can compound quickly on your initial loan, leaving less money for your family to inherit once you die. However, the Equity Release Council\u2019s no negative equity guarantee means that you will never owe more than the value of your home.<\/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-53cb481e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"53cb481e\" 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-201b2755\" data-id=\"201b2755\" 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-3576bf8c elementor-widget elementor-widget-text-editor\" data-id=\"3576bf8c\" 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-c68018c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c68018c\" 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-356d493e\" data-id=\"356d493e\" 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-30f91c7f elementor-widget elementor-widget-text-editor\" data-id=\"30f91c7f\" 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>Can you buy a property with a lifetime mortgage?<\/b><\/h2><p>It is becoming increasingly popular for customers to buy a new property with a lifetime mortgage.<\/p><p>When you sell the home you are currently living in, you can secure a lifetime mortgage against the property you are moving to. This means you can supplement your savings and the proceeds of the sale with the money you get paid through equity release.<\/p><p>For example, imagine you sell a property valued at \u00a3200,000 and want to move into a house worth \u00a3250,000. You can use lifetime mortgage services to release \u00a350,000 from the new property so that you can afford the purchase.<\/p><p>You should call a professional money expert to get financial advice on what is best for your situation.<\/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-157925d2 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"157925d2\" 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-12635dc9\" data-id=\"12635dc9\" 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-6a404019 elementor-widget elementor-widget-text-editor\" data-id=\"6a404019\" 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-501d2348\" data-id=\"501d2348\" 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-1a75b9fc elementor-widget elementor-widget-text-editor\" data-id=\"1a75b9fc\" 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-2005d42c\" data-id=\"2005d42c\" 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-428ad9c8 elementor-widget elementor-widget-text-editor\" data-id=\"428ad9c8\" 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-6f69e3a9 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6f69e3a9\" 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-206f1571\" data-id=\"206f1571\" 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-35afae9b elementor-widget elementor-widget-heading\" data-id=\"35afae9b\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><b>Other articles 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-762ec81 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"762ec81\" 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-6cc1e1e\" data-id=\"6cc1e1e\" 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-90b2b71 elementor-invisible elementor-widget elementor-widget-image\" data-id=\"90b2b71\" 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-d6c5665 elementor-widget elementor-widget-heading\" data-id=\"d6c5665\" 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-6975905 elementor-widget elementor-widget-text-editor\" data-id=\"6975905\" 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-20e3053 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"20e3053\" 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-23eba58\" data-id=\"23eba58\" 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-800ef4c elementor-invisible elementor-widget elementor-widget-image\" data-id=\"800ef4c\" 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-1.webp 400w,https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/06\/lifetime-mortgage-1-300x300.webp 300w,https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/06\/lifetime-mortgage-1-150x150.webp 150w\"sizes=\"(max-width: 400px) 100vw, 400px\" type=\"image\/webp\"><img src=\"https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/06\/lifetime-mortgage-1.jpg\" height=\"400\" width=\"400\" srcset=\"https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/06\/lifetime-mortgage-1.jpg 400w, https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/06\/lifetime-mortgage-1-300x300.jpg 300w, https:\/\/helpandadvice.co.uk\/wp-content\/uploads\/2020\/06\/lifetime-mortgage-1-150x150.jpg 150w\" sizes=\"(max-width: 400px) 100vw, 400px\" class=\"attachment-full size-full wp-image-1424 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-ef16ca9 elementor-widget elementor-widget-heading\" data-id=\"ef16ca9\" 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\">What Are Lifetime Mortgages?<\/h4>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dd4eb76 elementor-widget elementor-widget-text-editor\" data-id=\"dd4eb76\" 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>Lifetime mortgages are a popular type of <a href=\"https:\/\/helpandadvice.co.uk\/is-equity-release-a-good-idea\/\">equity release<\/a> where you take out a loan secured against the value of your home. This later life <a href=\"https:\/\/helpandadvice.co.uk\/how-does-equity-release-work\/\">equity release<\/a> scheme allows you to unlock money that is currently tied up in your property.<\/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-b15cbf0 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"b15cbf0\" 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\">\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-ddbb273\" data-id=\"ddbb273\" 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-c0ce79d elementor-invisible elementor-widget elementor-widget-image\" data-id=\"c0ce79d\" 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-d58f359 elementor-widget elementor-widget-heading\" data-id=\"d58f359\" 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-9c30671 elementor-widget elementor-widget-text-editor\" data-id=\"9c30671\" 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 <a href=\"https:\/\/helpandadvice.co.uk\/lifetime-mortgage-calculator\/\">lifetime mortgage calculators<\/a> 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-6f20e04 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"6f20e04\" 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-6de6a3d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6de6a3d\" 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-acd49fe\" data-id=\"acd49fe\" 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-cbbc601 elementor-invisible elementor-widget elementor-widget-image\" data-id=\"cbbc601\" 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-468a104 elementor-widget elementor-widget-heading\" data-id=\"468a104\" 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-3cf2236 elementor-widget elementor-widget-text-editor\" data-id=\"3cf2236\" 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 <a href=\"https:\/\/helpandadvice.co.uk\/pros-and-cons-of-equity-release\/\">release equity<\/a> 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-ef4cc72 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"ef4cc72\" 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-dea6795\" data-id=\"dea6795\" 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-8e7f1d9 elementor-invisible elementor-widget elementor-widget-image\" data-id=\"8e7f1d9\" 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-496f0e3 elementor-widget elementor-widget-heading\" data-id=\"496f0e3\" 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-e814f85 elementor-widget elementor-widget-text-editor\" data-id=\"e814f85\" 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-69a8099 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"69a8099\" 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-30b9887\" data-id=\"30b9887\" 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-388a06d elementor-invisible elementor-widget elementor-widget-image\" data-id=\"388a06d\" 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-677844d elementor-widget elementor-widget-heading\" data-id=\"677844d\" 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-8b6a23a elementor-widget elementor-widget-text-editor\" data-id=\"8b6a23a\" 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 <a href=\"https:\/\/helpandadvice.co.uk\/lifetime-mortgage\/\">lifetime mortgage<\/a> 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-e262821 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"e262821\" 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-mortgages-for-pensioners\/\">\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-39f05d1 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"39f05d1\" 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-95a54ed\" data-id=\"95a54ed\" 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-17ad9f7 elementor-widget elementor-widget-text-editor\" data-id=\"17ad9f7\" 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-77b50d4 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"77b50d4\" 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-3614d24\" data-id=\"3614d24\" 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-36b5ace elementor-widget elementor-widget-text-editor\" data-id=\"36b5ace\" 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 mortgage schemes are a type of equity release which is secured against your home. This loan allows you to unlock money which is currently tied up in your property.\u00a0\u00a0<\/p><p>This money may take the form of a tax-free cash sum, or a series of smaller withdrawals. There are different types of plan available, such as roll-up, drawdown, flexible and enhanced lifetime mortgages.<\/p><p><b>Who are the main lifetime mortgage providers in the UK?<\/b><\/p><p>The Equity Release Council trade body has14 members.\u00a0<\/p><p>These lifetime mortgage providers are authorised and regulated by the Financial Conduct Authority. They all abide by the ERC&#8217;s no negative equity guarantee, meaning that you will never owe more than the value of your home.<\/p><p><b>Can you buy a property with a lifetime mortgage?<\/b><\/p><p>It is becoming increasingly popular for customers to buy a new property with a lifetime mortgage.<\/p><p>When you sell the home you are currently living in, you can secure a lifetime mortgage against the property you are moving to. This means you can supplement your savings and the proceeds of the sale with the money you get paid through equity release.<\/p><p><b>What is the interest rate for a lifetime mortgage?<\/b><\/p><p>The majority of <a href=\"https:\/\/helpandadvice.co.uk\/what-happens-when-my-fixed-rate-mortgage-ends\/\">lifetime\u00a0mortgages have a fixed rate<\/a> for the entire term. The exact rate depends on the lender, the amount you are borrowing, and the type of product that you select.<\/p><p>The cheapest services start between 2.5% and 3% AER, but it is not unusual for a plan to be fixed at 4-6% AER.<\/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-6adb7be elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6adb7be\" 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-80631bf\" data-id=\"80631bf\" 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-b4980cb elementor-widget elementor-widget-elementor-faq-schema\" data-id=\"b4980cb\" 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 mortgage schemes are a type of equity release which is secured against your home. This loan allows you to unlock money which is currently tied up in your property.\u00a0\u00a0&lt;\/p&gt;&lt;p&gt;This money may take the form of a tax-free cash sum, or a series of smaller withdrawals. There are different types of plan available, such as roll-up, drawdown, flexible and enhanced lifetime mortgages.&lt;\/p&gt;&lt;p&gt;&lt;a href=&quot;https:\/\/helpandadvice.co.uk\/lifetime-mortgage-providers\/&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\": \"- Who are the main lifetime mortgage providers in the UK?<br \/>\n<br \/>\n\",\n                            \"acceptedAnswer\": {\n                                \"@type\": \"Answer\",\n                                \"text\": \"&lt;p&gt;The Equity Release Council trade body has14 members.&lt;\/p&gt;&lt;p&gt;These lifetime mortgage providers are authorised and regulated by the Financial Conduct Authority. They all abide by the ERC\u2019s no negative equity guarantee, meaning that you will never owe more than the value of your home.&lt;\/p&gt;&lt;p&gt;&lt;a href=&quot;https:\/\/helpandadvice.co.uk\/lifetime-mortgage-providers\/&quot;&gt;&lt;b&gt;&gt; CLICK HERE TO READ MORE &lt;&lt;\/b&gt;&lt;\/a&gt;&lt;\/p&gt;&lt;p&gt;\u00a0&lt;\/p&gt;\"\n                            }\n                                                    },\n                                             {\n                            \"@type\": \"Question\",\n                            \"name\": \"- Can you buy a property with a lifetime mortgage?<br \/>\n<br \/>\n\",\n                            \"acceptedAnswer\": {\n                                \"@type\": \"Answer\",\n                                \"text\": \"&lt;p&gt;It is becoming increasingly popular for customers to buy a new property with a lifetime mortgage.&lt;\/p&gt;&lt;p&gt;When you sell the home you are currently living in, you can secure a lifetime mortgage against the property you are moving to. This means you can supplement your savings and the proceeds of the sale with the money you get paid through equity release.&lt;\/p&gt;&lt;p&gt;&lt;a href=&quot;https:\/\/helpandadvice.co.uk\/lifetime-mortgage-providers\/&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 interest rate for a lifetime mortgage?<br \/>\n<br \/>\n\",\n                            \"acceptedAnswer\": {\n                                \"@type\": \"Answer\",\n                                \"text\": \"&lt;p&gt;The majority of lifetime mortgages have a fixed rate for the entire term. The exact rate depends on the lender, the amount you are borrowing, and the type of product that you select.&lt;\/p&gt;&lt;p&gt;The cheapest services start between 2.5% and 3% AER, but it is not unusual for a plan to be fixed at 4-6% AER.&lt;\/p&gt;&lt;p&gt;&lt;a href=&quot;https:\/\/helpandadvice.co.uk\/lifetime-mortgage-providers\/&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-011c638 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"011c638\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container 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elementor-widget-text-editor\" data-id=\"3943b2a\" 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-284d33e\" data-id=\"284d33e\" 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-2e3b087 elementor-widget elementor-widget-text-editor\" data-id=\"2e3b087\" 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 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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>LIFETIME MORTGAGE PROVIDERS &#8211; Read our guide on the leading providers in the 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