The minimum age at which you can take out a lifetime mortgage is 55.
You take out a mortgage secured on your property provided it is your main residence, while retaining ownership.
You can choose to ring-fence some of the value of your property as an inheritance for your family.
You can choose to make repayments or let the interest roll-up.
The loan amount and any accrued interest is paid back when you die or when you move into long-term care.
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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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