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09.07.2024

Pros and cons of equity release

Nadia Khan DipPFS Cert CII (MP)

Nadia Khan DipPFS Cert CII (MP)

Wren Sterling

Financial Adviser, Mortgage Adviser, Will & Estate Planner, Investment & Wealth Manager, Pension Adviser

Equity release can turn your home into a source of retirement income if you're aged 55 and over, but there are pros and cons of releasing equity. It's important to understand the positives and the downsides, so you can make an informed decision on whether to proceed.

Pros of equity release

You’ll have tax-free cash to spend
You’ll never owe more than the value of your home
You can stay in your home
You don’t have to make any monthly repayments
You still own your home
You can avoid paying inheritance tax

Cons of equity release

Your debt will increase due to interest
You might have to pay early exit fees
It can affect your benefits
You can’t take another loan against your house
There are fees to pay

Mortgages
Independant Financial Advice
Equity Release
lenders

Nadia Khan DipPFS Cert CII (MP)

Nadia Khan DipPFS Cert CII (MP)

Wren Sterling

Financial Adviser, Mortgage Adviser, Will & Estate Planner, Investment & Wealth Manager, Pension Adviser

I am an Independent Financial and Mortgage Adviser and have worked in Financial Services for over 12 years. During my career I gained experience in assisting both individual and corporate clients.…

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