Equity release, home reversion and their USA counterparts


Now hopefully if you are reading this page you will definitely have learned what equity release and home reversion means and how it all works. I am currently writing this from New York and so the theme for this excerpt is America.

As with our legal system, our language, our philosophy and most other civilised pillars of every day life, the Americans have taken to equity release and home reversion. The similarities between our cultures are patent for all to see and so it is inevitable when a good product is conceived, be it on either side of the pond, the other might take to it.

This time, counter to the trend of recent years, it is the UK that are the trend setters. Only in the USA, equity release is called a reverse mortgage. So if you come across the term reverse mortgage, know for sure that it means exactly the same as equity release mortgages and home reversion.

Responsible Equity Release is a trading style of Responsible Life Limited. Responsible Life Limited is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register (https://register.fca.org.uk/) under reference 610205. Only if you choose to proceed and your case completes will Responsible Life Limited charge an advice fee, currently not exceeding £1,490. A lifetime mortgage may affect the value of your estate and your entitlement to means-tested state benefits. Our adviser will talk you through this and the setting up costs before you make any decision to proceed.

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