Frequently Asked Questions

If you are considering Home Reversion (Equity Release without a Loan), our FAQ may help answer any queries you may have. Of course, please feel free to email here, if you have any specific queries, not answered below.

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What is equity release?
What is a home reversion plan?
How do I find out if home reversion equity release is suitable for me?
How much can I release?
Why don’t I get “full market value”?
How long will it take to receive my money?
What can I use the funds for?
What happens if I still have a mortgage?
Will I have to pay tax on the money raised?
Am I Responsible for any charges relating to my Home Reversion Plan?
Do I need to use a Qualified Financial Advisor?
Do I have to instruct a solicitor?
Can I choose my own solicitor?
Will I still own my property?
What is a lifetime loan?
What happens should I need to move into long term permanent care?
What happens to my plan after I die?
If I choose a plan with monthly payments will they change over time
If I choose monthly payments, what happens if I can’t afford them?
Can I move to a different property once I have taken out a plan?
Can I choose which surveyor values my home?
Do I need to consult my family before proceeding?
What happens if my partner dies and I can no longer afford the agreed monthly payment?
Can I leave some inheritance?
Can I still keep the deeds to my house?
Can I end the plan early and buy back your share of the property?
Why do I need to complete and return the Home Plus “Home Check” Form annually?
Who is responsible for maintenance and insurance?
What happens if maintenance work or alterations are needed to my home?
I pay for my buildings insurance, why do you require a copy each year?
What if a relative or carer wants to live with me?
Can I rent a Room?
How do I release more money from my home?
What happens if I miss a monthly payment?
Can I change the date of my direct debit?
Is my pension affected?
Does my plan change if my property rises in value?
Does my plan change if my property decreases in value?

How Much Can I Release?

Home reversion is not a loan - it is simply a way to release equity in your own property. Find out how much equity you can release...

You can release a mimimum of

Please wait while we calculate...

2528

To avail of further benefits and release more equity, further tailor with one of our plans below:

Core

Lump sum with no monthly payments.

Home Plus brings you our Core Finance Plan. This is our balanced entry level financing plan.

Boost

Boost your lump sum by opting to pay a small monthly figure.

Home Plus brings you our Focus Boost Finance Plan for customers who need high level of boost financing.

Flex

Boost your lump sum and either stop paying those monthly amounts or lower it to an even smaller amount after a number of years.

Home Plus brings you our Flex Grade Finance Plan for customers looking for flexible financing.

find out morehow do i apply?Contact Us
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Our Plans

Core

Lump sum with no monthly payments.

Home Plus brings you our Core Finance Plan. This is our balanced entry level financing plan.

Boost

Boost your lump sum by opting to pay a small monthly figure.

Home Plus brings you our Focus Boost Finance Plan for customers who need high level of boost financing.

Flex

Boost your lump sum and either stop paying those monthly amounts or lower it to an even smaller amount after a number of years.

Home Plus brings you our Flex Grade Finance Plan for customers looking for flexible financing.

calculate your lump sumhow do i apply?Contact Us
WARNING
Purchasing this product may negatively impact on your ability to fund future needs.
WARNING
The money you receive may be much less than the actual market value of the share in your home.
WARNING
Releasing equity from your home may impact your ability to claim means tested social welfare benefits.
WARNING
Failure to insure your home and/or make monthly payments in line with your home reversion agreement may result in the dilution of your share in the home and you may be at risk of losing your home.