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It allows homeowners over the age of 55 to unlock tax-free cash from their home, with only the monthly interest being paid off in their lifetime.
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Because it is mandatory that you repay the existing residential mortgage first you may be left with a shortfall.
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Lifetime mortgages are relatively new to the market - but their growing popularity means they're already an industry staple.
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If you're renting, though, your landlord can raise your monthly payment every time your current lease agreement comes to an end.
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