Unlock the value of your home, while staying right where you belong.
A lifetime mortgage is a way to release equity (cash) from your home without having to sell it. It’s a form of equity release, designed mainly for homeowners aged 55 and over.
With a lifetime mortgage, you remain the owner of your property and continue living there. The loan, plus any interest, is repaid when your home is sold — usually when you pass away or move into long-term care.
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How Does It Work?
- You borrow against the value of your home.
- You can take the money as a lump sum, smaller payments over time, or a mix of both.
- Interest is added to the loan — though some plans let you make voluntary repayments.
- When your home is eventually sold, the loan and interest are repaid from the proceeds.
Key Benefits of a Lifetime Mortgage
✅ Access tax-free cash tied up in your property
✅ Stay in your home for life
✅ Choose between a lump sum, smaller amounts over time, or flexible drawdowns
✅ Some plans allow you to protect part of your home’s value to leave as inheritance
✅ Regulated products with clear safeguards to protect you
Things to Consider
It’s important to make an informed decision. Lifetime mortgages aren’t right for everyone.
⚠️ Interest can build up quickly if unpaid, reducing the value of your estate
⚠️ May reduce the amount of inheritance left for your loved ones
⚠️ Could affect entitlement to means-tested benefits
That’s why independent advice is essential — and that’s exactly what we provide at Browning Rose Financial.
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