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An Equity Release Scheme - Is it suitable for you?

An Equity release is a scheme that allows you to unlock some or all of the value tied up in your property. The main requirement is that you own your home outright.

The value of your home, minus any outstanding mortgage, can be described as your ‘equity’. An equity release plan enables homeowners like you to unlock some of this value as tax-free cash. The most common uses for this extra income are: home improvements, clearing debt and helping family members.

There are many schemes that are widely available, yet we cannot stress enough how important it is to be in touch with a trusted and knowledgeable financial advisor. It is best to consider all viable options, and a trusted advisor can both personalise and tailor the scheme to your lifestyle and what best suits you.

Here at Aci Money HQ, for example, we understand that this is not a light decision, and henceforth offer a no monthly repayment option, and low rates than can be fixed for life. We pride ourselves on flexibility.

Equity release schemes are an effective and financially rewarding way of generating more income to ease you through retirement.

There are alternatives that too should be considered, with the main being downsizing to a smaller property, and this would achieve it. However, it is understandable that you want to make your retirement as stress-free as possible and moving may disrupt this. An equity release can provide you with a lump-sum of money, with your home remaining your home.

If you require a lump sum of money we would recommend you consider this as an option. This money is tax-free, and your home remains your home throughout the process.

Previous clients have often used the money for:

-Clearing debts

-Home improvements

-Helping the family

-A new car

-The holiday of a lifetime

We pride ourselves on flexibility, and our Equity Release Schemes reflect this.

 Lifetime Mortgage This allows you to release a lump sum of cash or regular, extra income from the value of your property.
  •  There are typically no monthly repayments to make as the amount released is repaid from the money when the property is sold.
Drawdown Lifetime Mortgage  This is similar to the standard Lifetime Mortgage. Through this, however, you can access your money with more flexibility.
  •  You have the option to release your money over time and when you need it.
 Interest-Only Lifetime Mortgage Similar, once again, to the standard Lifetime Mortgage, yet you make regular monthly repayments to reduce the effect on the value of your estate.
  •  Some plans allow you to make repayments that are equal to or less than the amount of interest that is charged.
 Home Reversion Plan This allows you to exchange the ownership of some or all of your property for a lump sum of cash, along with the right to stay in the property, free of charge, for as long as you live.
  •  This is also known as a 'lifetime lease', and there are no monthly repayments to make.

Everybody's circumstances vary, and we realise this. Where we stand apart from our competitors is in our ability to produce a personalised plan, suited and tailored to your needs and requirements. is the trading name of assured capital & investments ltd registered in england & wales No.10283774aci money nor its parent company is regulated by the financial conducts authority, and as such does not offer any regulated advice, but it does refer clients to regulated advisers where required or requested.
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