20x20 Vision on Equity Release.

Equity is the cash value of your house over and above any mortgage or liability that is secured against it. Equity release means getting your hands on this cash now rather than leaving it in your estate or when you sell. Equity release is a massive and irreversible financial step. So be like the man who went to his doctor and asked for help because he had blurred vision and eyestrain. His doctor immediately took off his own glasses and handing them to the patient said, “I had the same problem. Try these for a week and see how you get on”. Well the guy thought this very strange but trusted the expert. A week later he returned and reported no improvement in his eyesight. “That’s strange” said his doctor “they work for me”.

Needless to say if you came across a doctor like this who prescribed a remedy before actually diagnosing the problem you would find another doctor in short time. Well you should use the same good judgment if you come across a financial adviser who doesn’t match his or her recommendations with your money needs. A good financial adviser will recommend an equity release option that works in harmony with the rest of your long-term money goals. Also you should bear in mind the truism that if it sounds too good to be true, then it almost certainly isn’t!
But how do you know a good financial adviser when you see one?

Well, unlike the quack doctor, you will find your financial health checked from head to toe. No prescription without thorough diagnosis first. So for example with equity release a good financial adviser will elicit from you your objectives with regard to your property in question. They will also draw out your personal view on risk taking. What is your individual risk versus return balance? If the adviser you are talking to does not do these two things then drop them as quickly as you would the shortsighted quack. Also if possible report them to the financial regulatory authorities for gross malpractice.

You as the subject of the financial diagnosis should of course know yourself and in particular your limitations when it comes to money matters. With regard to property and equity release you should fill your own knowledge gaps by referring to a good mortgage broker.
There are 2 main types of equity release scheme. With ‘lifetime mortgages’ you take out a loan that is eventually paid back with interest, either when you die or go into long-term care. The second type is a ‘home reversion scheme’ where you sell a proportion of your home to a reversion company.

Depending on how fast the value of your property has grown in comparison to your debt, there may not be enough equity left to buy you another home. Keep an eye on property values and if you choose a roll-up lifetime mortgage, regularly check how much your debt has increased by.

Virtually all equity release schemes offer a negative equity guarantee that means your debt can never be more than the value of your property. Never do equity release without one of these guarantees.

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