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You and your partner (if the plan is in joint names) can continue to live in the property until the last person dies or moves into permanent care.
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Don't worry, the equity release funds can be used to repay any mortgages, and you will then receive the remaining net sum as cash.
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If you give some of the money you release to family as a gift, they may be liable to pay inheritance tax in the future.
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Be aware, though, that some super-low rates require you to pay points , an upfront cost. They can get RIO mortgages or lifetime mortgages.
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