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Our Over 50s Life Cover is not a savings plan and has no cash-in value. A lifetime mortgage starts with a minimum loan of £10,000.
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After the first three to 10 years, the mortgage rate changes based on market conditions and can go up or down depending on your loan documents.
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However, if you are only borrowing a small amount then you might be better off not paying a fee and opting for the higher interest rate.
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Equity release is a mortgage product that allows you to access the money tied up in your home in the form of a loan.
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While equity release has become much more common and mainstream, lifetime mortgages can be complex products with disadvantages.
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