Lifetime Mortgage & General Equity Release Advice in Yorkshire
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If you haven’t heard of equity release before, it can seem like a complicated scheme to get into. However, once you understand the features and risks of equity release, you will realise that it is a very safe scheme that is becoming more modern as each year passes.
Equity release in Yorkshire is very similar to equity release everywhere else, as the rules and regulations are the same and the equity release products are the same.
You will take out an equity release lifetime mortgage or have a home reversion plan, receive an equity loan, and spend the loan on whatever you want without having to make monthly repayments.
The property market in Yorkshire is not the same as everywhere else, as each area of the UK is in a different situation, so this is the only thing that may change your experience of equity release.
It is possible that there are more or less properties in Yorkshire that are eligible for equity release than in other counties, but you will learn more about this after speaking to an equity release specialist.
All advisors we refer you to are Independent Financial Advisors (IFAs). This means they can advise you on lenders across the market, such as Sun Life, Scottish Widows, Legal & General, Aviva, Liverpool Victoria (LV), Hodge, Canada Life, more2life, Just Retirement, Pure Retirement, One Family and LiveMore Mortgages. All lenders are backed by the Financial Services Compensation Scheme.
All mortgage advisors are regulated by the Financial Ombudsman Service (OBS) and Financial Conduct Authority (FCA) and appear on the Financial Services Register. Advisors also have equity release-specific qualifications, issued by The London Institute of Banking & Finance (LIBF) such as the Certificate in Mortgage Advice and Practice (CeMAP).
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Between July 2021 – June 2022, the average house in Yorkshire was worth £206,000 (1). You can find out up-to-date figures by checking out Rightmove.
Given that the minimum value for most equity release lenders is £70,000, it is very likely that you will be able to release equity from your Yorkshire home if it is in the region of the average value.
However, there are other factors involved in equity release that can prevent you from being eligible, and we will go into these later on.
In terms of your property itself, it simply has to be worth at least £70,000, and it is more likely to be eligible if it is in a great condition, in a desirable location, and a freehold property rather than a leasehold.
Some people worry about their apartments not being eligible for equity release in Yorkshire, but this is not something you have to be concerned about as you can take out equity from homes and apartments alike.
Some issues may arise if you are in certain types of property such as a retirement flat, so we recommend reaching out to an adviser for guidance if you are in this situation.
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Many customers reach out to us asking whether they are eligible for equity release.
If you want to find out quickly, you can use our equity release calculator which tells you how much money you could release from your property, provided that you do qualify for equity release.
Another idea is to request a personal quote from us, as this will give you an accurate idea of how much money you could be entitled to, and you will find out very quickly if you are entitled to nothing at all.
However, there are certain criteria that apply across the board, and we will outline them here so that you know where you stand before pursuing equity release unnecessarily.
You absolutely must be a homeowner in Yorkshire if you want to release equity. This is non-negotiable, as you need to be able to provide the equity release lender with a property that they can profit from.
Another criterion is that you must own a property worth at least £70,000, as we mentioned earlier.
Less valuable property will not be worthy in the eyes of an equity release provider in Yorkshire as it will not be worth the risk of offering a loan, and your loan would be so small that it wouldn’t benefit you.
Finally, you must be aged at least 55 years old to get an equity release loan in Yorkshire.
You can be working or retired, this does not matter, however you cannot be younger than 55 as the scheme is expected to continue for the rest of your life, and taking out equity earlier would mean the interest would rack up and lead to an unrealistic amount.
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Lifetime mortgages are the most popular type of equity release in Yorkshire. This type of equity release loan allows you to release money from your home, tax-free and with a fixed interest rate.
The loan does not have to be repaid until after you pass away or move into a care home. When either of these two things happen, your next of kin will be responsible for selling your house and the money from the sale of the house will have to pay off the loan. Anything left over goes to your next of kin as an inheritance.
The main thing to remember with lifetime mortgages is that you will be charged interest on your loan. Whilst this interest rate will be fixed, it will quickly compound. Compound interest is when you get charged on the interest that has already been charged on your loan.
Essentially, the amount you owe will snowball. Fear not, because most equity release loans and lifetime mortgages are paid off in entirety by the sale of the property upon death. If your house has decreased in value for whatever reason, your money and family will be protected by the equity release with no negative equity guarantee.
With any lifetime mortgage, you are able to release a lump sum from your property. This is an ideal option for anyone who needs to use their equity release money on big expenses, such as home improvements or to pay off an interest-only mortgage.
With every lump sum lifetime mortgage, you do not have to make any mandatory monthly repayments and the loan will always be repaid when the property is sold. As with any lifetime mortgage in Yorkshire, you will never be asked to move out of your property or sell at any point.
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A home reversion plan is an alternative type of equity release, which is less common and popular than a lifetime mortgage. Home reversion plans allow you to release money from your home by releasing and selling a percentage of your property to the lender in exchange for the cash inside your home in Yorkshire.
Whilst you will have sold a percentage of your property to the lender, you won’t be asked to move out of your property for the duration of your loan. It is also important to understand that with home reversion plans, you sell a percentage of your property to the lender for less than the market value.
This means that you are going to sell your property for a lot less than you would get than if you sold it on the normal property market. You can choose to sell anything between 10% – 90% of your property to a lender. Obviously, the more you sell the more equity you will gain access to.
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The biggest difference when it comes to lifetime mortgages and home reversion plans is that when you opt for a lifetime mortgage, you still own your home in its entirety. However, when you opt for a home reversion plan, you have to sell some of your Yorkshire home in return for access to the money inside your property. This is the main difference between the two types of equity release loans.
Typically, lifetime mortgages ensure that you end up better off. Despite this, both types of loans benefit from a no negative equity guarantee. Luckily, this means that even if your house sells for less than you bought it for, you won’t have to make up the difference.
You might be fined for both types of loans if you decide to exit early. However, if you choose to opt out of a home reversion plan, then you will be asked to buy back the percentage of property that you sold in order to take out the loan in the first place.
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Equity release calculators are a great way of working out how much equity you might be able to release from your home.
Most equity release advisers will suggest that you use an equity release calculator to get a good idea of how much you might be able to borrow from a lender, considering your age, the value of your property and whether or not you still have an existing mortgage.
It is normal to have to provide a number of details in order to gain a clear picture of how much you are able to release from your home, so do not be alarmed if your adviser or lender asks you a number of different questions.
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There is no one answer when it comes to this question, as the amount of money you are able to release from your home depends on a number of different factors which are listed below for you.
Usually, most people are able to release anything between 20% and 60% of the total value of your home in Yorkshire.
You can do this in either one large lump sum, or through a number of smaller payments, also known as a drawdown plan.
Believe it or not, there are actually very few limits on what you spend your equity release money on.
As long as you are open and transparent with your lender and advisor, then you are able to spend your money on whatever you want. Afterall, it is your money to spend in many ways!
Lots of people spend their money on helping loved ones with house deposits or University fees, whereas others spend their money on making some changes and home improvements to their property.
This is the most popular way to spend your money, as it usually increases the value of your property which will help to pay off the loan.
Other people spend their money on things like holidays, fancy cars or living a better lifestyle!
Afterall, your retirement years are there for you to enjoy and make the most of!
With any equity release loan, you have to be open and honest about what you are spending your money on with your advisor and with your lender.
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According to The Telegraph, the cost of all equity release plans are based on two things, which are fees and interest rates.
This is why your interest rate is an incredibly important factor to consider when taking out an equity release loan.
You need to be aware of what your interest rate is going into the loan, as this will remain fixed for the duration of your loan, so it is incredibly important.
It is also important to understand that your interest will compound over the years, increasing your overall loan amount significantly.
The Telegraph highlighted in that interest rates for equity release loans had increased significantly, with the average fixed rate reported to be 7.55% [2].
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You are charged interest every month or year. This interest is then added to the original loan, which will grow in value and compound interest each time.
The interest rate you are approved for depends on a number of factors and varies significantly depending on your personal situation.
These factors and circumstances include how old you are, how expensive your Yorkshire house is and which lender(s) you are approved for.
The longer you live, the more interest you are charged which increases your overall loan amount.
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The length of time for equity release varies depending on many different things, so do not expect that the process will last the same amount of time for you as it does for other homeowners.
We would generally advise you to expect equity release take around 8 weeks, so keep this in mind if you have any upcoming plans such as holidays or work projects.
In some cases, there are delays that result in equity release taking months and months, but remember that this can happen with any process involving your property, including downsizing.
Equally, there are times that equity release can last a few weeks, which is why we state 8 weeks as a general, not specific, figure.
There are certain things you can do to speed up the Yorkshire equity release process, such as making yourself as available as possible for appointments, asking advisers for help, and doing as much independent research as possible.
On the other hand, some homeowners inadvertently delay the process by taking a long time to respond to their solicitor or lender and going back on decisions. This is why we recommend learning about the different equity release schemes before getting in touch with a lender.
To find out more about the stages of equity release and how long they take, read the following article. We cover the many different steps of equity release (research, application, valuation, mortgage offer, solicitor and completion) and how long each one should take.
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This is another question that cannot be answered directly, as it is dependent on many factors. For the most part, you are in control of how much it costs you to take out equity, as you decide which advisers to speak to, and each adviser will offer a different quote.
When it comes to seeking out equity release advisers, remember that many offer free services. For example, we offer a free consultation for new customers who are considering equity release.
There are other advice services you will have to pay for, such as working with a solicitor, but you can choose how much to spend on this.
Having said that, though some people release equity in Yorkshire on a budget, there is no way to avoid spending money completely.
You should expect to pay out for things like application fees and valuation fees, and often the prices for these will be non-negotiable.
To get an idea of the specific costs, see our post on how much equity release costs. The prices are slightly different in each area, but the costs you see in this article will be very similar in Yorkshire.
When you are looking into the costs of equity release, remember to keep in mind the amount of equity release funds you could be offered, as this could outweigh the drawbacks of paying certain fees.
Yorkshire is a profitable place for equity release, with a potential equity release value of £71.3k per household (2).
You may conclude the cost of equity release is too high a price to pay. If so, consider the alternatives to equity release. Also, you can read about other potential drawbacks of equity release here.
If you are releasing equity to combat the cost of living, then it might be better to first try to see if you can better manage your budget. Below, we list organisations that may be able to help in Yorkshire:
Address: Community House, 46-50 E Parade, Harrogate HG1 5RR
Telephone: 01423 502253
Website: http://www.ageuk.org.uk/northyorkshire/
Address: 39 Aberdeen Walk, Scarborough YO11 1BD
Telephone: 01723 379058
Website: http://www.ageuk.org.uk/scarboroughanddistrict/
Address: South Yorkshire Fire & Rescue, 197 Eyre St, Sheffield City Centre, Sheffield S1 3FG
Telephone: 0114 250 2850
Website: http://www.ageuk.org.uk/sheffield
You can also reach out to national organisations such as StepChange Debt Charity and then Money and Pensions Service.
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Equity release in Yorkshire is very safe, and it’s only getting safer.
When you sign up to an equity release plan, you will be informed on the process in great detail, so you are never handing your property over without being aware of the potential consequences.
For example, you are obliged to have at least one appointment with a solicitor, who will explain the legal aspects of equity release in Yorkshire, which helps you to make wise financial decisions.
You are also encouraged to speak to an adviser about how equity release will impact you personally, so you will not be jumping into a decision unwisely, which ensures the scheme is as safe as possible.
You can also take steps to make equity release safer, such as doing as much research as possible and potentially speaking to people you know about how equity release has impacted them.
You can even head to popular forums such as Mumsnet to get some advice from fellow Yorkshire homeowners. This will help you to make an informed decision based on how equity release has impacted other people like you.
Another way to keep equity release safe is to carefully consider the many different equity release plans that are available in Yorkshire, instead of selecting the one you like the most to begin with.
Different schemes benefit different homeowners more than others, so we advise you to take your time and think about which arrangement may be best for you.
Now that you know how to keep equity release as safe as possible, what does unsafe equity release look like in Yorkshire?
We would say that unsafe equity release involves committing to a lender and a plan without doing research, keeping advisers out of your decision as much as possible, not involving your family in your choices, and not considering the impact it will have on your future.
If you follow our advice and find an adviser who is trained in equity release (and a member of the Equity Release Council), you should have no problems regarding the safety of your equity release application and completion.
If any issues do occur along the way that threatens your safety, you would be able to raise this with the Equity Release Council.
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We have stated that it is wise to carefully consider Yorkshire equity release before committing to it, and this does not only involve researching the scheme itself, but looking into the alternative options to equity release.
The alternatives will certainly not be for everyone, which is why many people end up deciding to take out equity, but it’s important to learn about them nonetheless, as you may discover that there is a less risky option that is better for you.
Perhaps the most obvious option is to continue working, as this would ensure you had a steady income for a longer period of time.
If you cannot cope with the amount of work you are currently doing, or if you are retired from your full-time job, you could consider reducing your hours or even starting your own business doing something you enjoy.
Another alternative to equity release in Yorkshire is to downsize. This is usually less risky as it doesn’t involve an equity loan and it means you aren’t tied to a scheme.
We advise this form of retirement planning for people who are happy to leave their current property and are fit and healthy enough to move home.
Some people may decide to rely on credit cards to fund their later years, as they are in the position to make the repayments that are required, and they would rather do this than let the interest accrue as it does with equity loans.
Finally, we always encourage our customers to check whether they are entitled to any state benefits, as this can be an additional help in retirement that does not involve much stress to organise.
If you are already claiming benefits and they aren’t covering your living costs, that’s when we would suggest equity release.
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If you are planning on taking out an equity release loan, then you will need to consult a solicitor before doing so, so that they are able to handle your application for you.
Your solicitor will ensure that you are clued up legally when it comes to your loan, so that you do not fall foul of any scams or agree to anything that you are not happy with.
Essentially, equity release solicitors are there to protect and safeguard you from any scams or rogue equity release advisers who might not be acting in your best interest. Whilst you will have to pay your solicitor, they are well worth the money.
In fact, the Equity Release Council makes it mandatory for anyone wanting to take out an equity release loan to engage a solicitor before officially applying.
All solicitors are members of the Law Society of England and Wales and are regulated by the Solicitors Regulatory Authority.
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Yes, you are able to opt for equity release in Yorkshire even if you suffer from a poor credit score. However, suffering from a poor credit score will inevitably make it harder for you to apply for any type of loan, equity release loans included.
If you have experienced a CCJ or an IVA, then you will need to pay off the remainder before applying for an equity release loan.
When you first apply for an equity release loan, your lender and adviser will ask you to declare if you suffer from a poor credit score, any other form of debt, a CCJ or an IVA. They will also run their own credit checks on all applicants.
The best advice we can give you is to be honest. With any type of loan or mortgage, honesty is always the best policy.
We understand that declaring debt can be daunting and embarrassing at times, but it will certainly work in your favour if you are open and honest about any debt as early on as possible.
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If you are considering taking out an equity release loan, then you might want to consider how this would impact any state or means-tested benefits you might be currently receiving or plan on receiving in the future.
This is because taking out an equity release loan will be increasing the amount of cash and savings that you have in the bank.
Therefore, taking out an equity release loan might impact your eligibility for any state benefits, or it might simply reduce the amount of money you are eligible to receive.
For example, taking out an equity release loan might impact your eligibility to receive Pension Credit, Council Tax Reduction and Universal Credit.
If you are currently receiving these or plan to claim them in the future, then you should talk to your equity release adviser during the application process about this.
The legal onus will be on your to inform the Department for Work and Pensions of your change of circumstances when you start receiving payments under your equity release product.
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Luckily, equity release is exempt from income tax, as the money you receive is not classed as savings but as a loan.
This allows you to spend the entire loan however you want, without having to worry about how much you are going to lose to taxation.
Whilst you might not be charged tax on the amount you receive, you will be charged interest on your loan which will quickly compound and increase the overall loan amount which you have to repay once you pass away or move into a care home.
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Yes, inheritance protection is a common feature of most equity release plans and loans offered throughout Yorkshire and the rest of the UK.
Unfortunately, many people believe that opting for an equity release loan means that you are taking away your loved ones inheritance, which is simply not the case.
Instead, any money left over from the sale of the property which is not used to repay the loan will be left to your loved ones as inheritance.
Almost all equity release plans benefit from a no negative equity guarantee. This guarantee ensures that even if your house sale does not cover the cost of the loan, your loved ones will not be asked to pay.
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Yes, this can be the case. Lots of people who opt for equity release choose to gift their money to their loved ones, or spend it on other assets.
When you pass away, your inheritance tax (IHT) bill is calculated by looking at the value of your assets, minus any liabilities.
Equity release is classed as a liability, meaning that it decreases the value of your property and therefore decreases the amount you have to pay in inheritance tax (IHT).
It is also important to remember that not everyone who owns a property has to pay inheritance tax. In fact, the current threshold in the UK sits at £325,000. Therefore, if your estate does not hit or exceed this amount by the time you pass away then you do not have to pay inheritance tax.
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When someone passes away after taking out an equity release loan, their property will need to be sold. Usually, this is arranged by the next of kin and the money from the sale of the house pays off the equity release loan.
This means that your loved ones will not receive the entire amount from the sale of the property. Instead, they will receive whatever is left over after the loan has been repaid.
Your next of kin is also protected through the ‘no negative equity guarantee’ which ensures that your next of kin will not be left responsible for repaying the loan if the sale of the property does not pay off the loan in its entirety.
According to the Equity Release Council [3] all products which meet their standards have to feature this type of guarantee in their terms and conditions.
Whilst the Equity Release Council makes it clear that it is very unlikely that your house would have decreased in value, they understand the importance of this type of guarantee in protecting your loved ones.
If this were to happen, the loan would always be written off by your chosen lender.
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The Equity Release Council is an industry body who represents a whole host of lenders, advisers and solicitors throughout the equity release industry.
They now represent approximately 90% of all professionals who work within the equity release industry and provide a long list of standards, principles and guidance for individuals to abide by and work to [4].
For example, under the Equity Release Council, all products must have a ‘no negative equity guarantee’ and a fixed interest rate.
Likewise, the Equity Release Council ensures that everyone who opts for equity release has the legal right to remain living in their property for as long as they want to, without ever being asked to move out or leave by a lender.
They also ensure that everyone who takes out an equity release loan in Yorkshire or throughout the rest of the UK seeks independent legal advice first, from a qualified and established solicitor.
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Some people choose to release equity from their property by remortgaging their property. This is usually done by remortgaging for a larger amount than you currently owe on your property, meaning that the surplus amount becomes yours to spend on other things.
One of the biggest benefits to remortgaging your property is that you will almost always find yourself on a new and cheaper interest rate, unlike with most standard equity release loans and interest rates.
Increasing the amount of money you owe in later life should never be done lightly, so you should think long and hard about whether this is the best option for you, your family and your future.
If you pass away or move into a care home, then your property will need to be sold to pay off the equity release loan. This only happens if you do not have a spouse who is still living in the property and is entitled to do so.
If this is not the case, then the property will be sold and the loan (including any interest) will be paid off in its entirety. You will not be charged any early repayment fees.
Usually, you and your loved ones have anything between 6 – 12 months to sell the property and repay the loan, which is why it is always important to maintain the quality of your home over the years, so that it can be sold quickly and easily once you move into a care home or pass away [5].
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Yes, there are a few reasons why someone might be denied equity release as each lender has their own qualification criteria.
Usually, this includes your age, the value and condition of your property, the type of property it is and if you are currently suffering from debt.
Your house will be valued during the initial stages of your application, which usually costs around £100.
At this stage, it will become clear whether or not your property is suitable for equity release. Your lender will also run a credit check to establish your personal suitability.
It is always important to remain clear, open and honest with your adviser and lender about your circumstances and any debt you might have, as avoiding doing so will not only be a waste of their time but of yours, too.
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No, taking out an equity release loan will never affect your state pension. This is because equity release is a form of loan, as opposed to income.
The state pension is offered to everyone across the UK once they hit the national state pension age. This means that you will receive approximately £179.60 every week from the Government (as of 2023).
In order to receive this, you must have contributed to national insurance for at least 35 years. If you have not done this, then you might not receive this amount [6].
It is also important to remember that taking out an equity release loan might impact your eligibility to receive pension credit, which is something you should discuss with your adviser if you plan on receiving pension credit.
If you are unsure whether you would be eligible for pension credit, then head to the GOV UK’s pension credit eligibility page.[6]
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Your equity release loan is only due once you pass away or move into a care home. Your lender will never ask you to repay the loan early, or move out of your home.
Some people opt to repay their loan early in order to reduce the overall loan amount or interest charged. However, by doing so you might be charged early repayment fees, so should not do so lightly.
Once you do pass away or move into a care home, you or your next of kin will have approximately 6 – 12 months to repay the equity release loan through the sale of your property, which is usually enough time if your property is in good condition.
Yes, you are able to release property from your home if you and your partner are tenants in common. If this is the case, then you must apply for an equity release loan together.
Once one tenant in common passes away, the surviving owner will remain living in the property until they pass away or move into a care home.
You do not have to repay the loan until this happens. If you are unsure whether you are tenants in common or not, you should ask your solicitor or check the title deeds of your property.
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We understand that the best way to decide whether equity release is for you is to find out how it will impact your personal situation, including any effect it may have on your family in the future.
This is why we offer a personalised quote based on your specific situation. Click here to get your quote.
Our free initial consultation is another great way to figure out whether you are suited to equity release, as our advisers will ask questions to determine your eligibility and to decide whether an alternative would be better for you.
You will not be pushed to opt for equity release, as we know that it is not for everyone and we would never want you to take out a lifetime mortgage only to regret it soon after. Instead, our advisers will give honest advice based on their experience with other customers.
We hope that we have answered your questions about equity release in Yorkshire, but if you are left wondering about how the scheme works, visit our frequently asked questions page.
You can also have a look at our blog where we dive into the difficult questions surrounding equity release, such as whether you can do equity release twice, whether you can move home after releasing equity, and how equity release can affect your benefits.
All advisors we work with are regulated by the Financial Conduct Authority. This means you are covered under the Financial Services Compensation Scheme, and you lodge a complaint with the Financial Ombudsman Service (FOS) if you are unhappy about the advice you receive in relation to equity release.
All lawyers are regulated by the Solicitors Regulation Authority. If you are unhappy about the legal advice you receive in relation to equity release, you can lodge a complaint with the Legal Ombudsman.
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[1] https://www.plumplot.co.uk/Yorkshire-house-prices.html
[3] https://www.equityreleasecouncil.com/what-is-equity-release/faq/what-is-a-no-negative-equity-guarantee/#:~:text=Products%20which%20fully%20meet%20the,worth%20when%20it%20is%20sold
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