Home Reversion Plans

A Home Reversion Plan involves selling part or all of your property to an equity release company in exchange for a lump sum, an income, or a combination of the two.

You will continue to benefit from any increase in your property's value on the remaining share that you own and you can live in your property rent free for the rest of your life or until you move into long term care. In addition, you are able to guarantee the proportion of your property that is not owned by the reversion company is left as part of your estate to pass on to your beneficiaries after your death.

Advantages of a Home Reversion Plan

  • Plans available from the age of 65
  • No repayments to be made during your lifetime
  • You are guaranteed occupancy for life or until you move into long term care
  • You can typically raise more money from a Home Reversion Plan than you would be able to from a Lifetime Mortgage
  • You benefit from any rises in the property market on the proportion of the property you own
  • Guaranteed inheritance for your beneficiaries of the exact percentage of your property you continue to own
  • No roll up of interest, instead you sell a fixed percentage of your property
  • The plan will reduce your estate and may therefore reduce your inheritance tax liability
  • Portability means you can take the plan with you if you move house

Disadvantages of a Home Reversion Plan

  • The amount you leave as inheritance will decrease
  • You will no longer benefit from any rises on the proportion of the property that you have sold to the Home Reversion Plan Company
  • Reversion Plans cannot usually be repaid as you are selling part of your home
  • The Reversion Plan company will be buying their proportion of your property lower than the market value as they will be giving you the right to remain in the property rent free
  • Eligibility for means tested benefits could be affected

Non-Obligation Advice From
Independent Financial Advisers


Estimated Property Value:
Title:
First name:
Surname:
Email address:
Contact number:
Best time to call:
Current loan or mortgage:
Address:
Street:
City/Town:
County:
Postcode:
Age:
Gender:



I have read and I agree with the Terms of Use
We would like to keep you informed by telephone, post or email of selected products and services available from us and our carefully chosen suppliers.

LinkU2EquityRelease.co.uk is a website operated by Teknosis Digital Media Ltd. This website is a consumer application system, allowing consumers to make instant applications to a multiple of Equity Release providers via a single online form. LinkU2EquityRelease.co.uk is not responsible or liable for any financial service provided by, or obtained through a third party.