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Do you really need to downsize?

ABarnes — Thu, 17 May 2012 12:06:24 +0000

When people have watched their children leave home and set up homes of their own they inevitably begin to think about the practicality of downsizing and leaving the family home themselves.

Often, this is more a financial decision than a decision made with the heart. Most people love the home that they have lived in while raising their family, and while they may have a bit more space than they need, the realities of uprooting from a property that you love in a neighbourhood you are familiar with can be difficult emotionally.

It is true that there will be a store of value in your home that you could free up through selling it and moving somewhere more compact. And that money could help to finance a more comfortable and relaxing retirement.

However, it’s not the only solution. Instead, you could still free up some cash from your home without moving out of it. This can be achieved through taking out an equity release plan. There are four main kinds of equity release plan – and you can read about them at Age Partnership. Age Partnership is an independent company that will search the whole of the equity release market in order to find the product that is most suitable for your individual circumstances. It doesn’t belong to any one particular provider, so will seek the best deal for you.

There is information on the different types of equity release at Age Partnership on its website. It’s basically a lifetime mortgage taken out on the whole or a partial value of your home. In general, the amount borrowed is paid back after your death, when your property is sold, and there’s no need to leave your home until you die, unless you choose to do so before then.

The website also has an equity release calculator which can help you generate an online quote, with a realistic idea of how much interest will accrue on any equity release plan you take out.

Equity release plans need thorough research and understanding of the terms before you sign up to them, but they are one practical solution that means you’ll never need to downsize.

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