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For example, if your mortgage balance is £150,000 and your house is worth £200,000, you have £50,000 equity in the property.
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The Midwest and South again had the top 10 states with the highest shares of mortgages that were seriously underwater.
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Rates are usually fixed for life, so your financial adviser can show you how much you might end up owing depending on how long the loan runs for.
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Loan to value ratios for lifetime mortgages range from 20-60%, and for home reversions they can be anywhere from 80-100%.
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A job is not required to qualify for retirement mortgages. The loan amount will need to pay off any existing mortgage secured against the same property.
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