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Equity release is a financial product whereby retired homeowners can raise a lump sum or monthly income to supplement their pension through selling all or part of their home to an equity release company - while continuing to live in their home. Once both members of a household have passed away the home is sold in order to pay off the money the homeowners benefit.

Choosing whether or not to unlock the equity in your home can be a major decision and is not one to be undertaken lightly. Apart from concerns such as the impact on your family and their inheritance, sometimes equity release plans do not offer as much value as a straightforward loan or downsizing. They can be right for some individuals depending on their circumstances, but we would always recommend speaking to an independent financial advisor before agreeing to undertake an equity release arrangement.