You sell part or all of your home to a home reversion provider in return for a lump sum or regular payments.
You have the right to continue living in the property until you die, rent free, but you have to agree to maintain and insure it.
You can ring-fence a percentage of your property for later use, possibly for inheritance.
The percentage you retain will always remain the same regardless of the change in property values, unless you decide to take further cash releases.
At the end of the plan your property is sold and the sale proceeds are shared according to the remaining proportions of ownership.
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A lifetime mortgage is a long term commitment which could accumulate interest and is secured against your home. Equity release is not right for everyone and may reduce the value of your estate
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