Property

Help with your property.

Feel free to explore the benefits below or sign up now to have a look around your Digital Toolkit!

Find out what else is included in your Digital Toolkit here.

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Get advice about selling your home or find a conveyancer.

The first thing you will be asked when you put an offer on a property is details of your licensed conveyancer or solicitor.

Both are there to deal with all the legal aspects of buying and selling property on your behalf. Licensed conveyancers are specialised in property and any complex legal issues that may arise, where as solicitors generally cover all aspects of law.

Good conveyancers or solicitors will keep you regularly updated on the progress of your purchase and / or sale, carry out local searches, handle contracts, deal with the land registry, transfer funds, as well and guide and support you from start to finish.

Choosing the right professional to deal with the sale and / or purchase of a property is important!

Your Digital Toolkit includes a tool which will help you find a conveyancer from a carefully selected group. They will be able to advise you and carry out the conveyancing based on your circumstances.

Get advice from a professional about releasing some or all of the money (equity) in your property.

Equity Release means to unlock the money you have in your property, in a lump sum, multiple lump sums or a steady income stream, and in some cases a mixture of all these. The money you receive is tax free and will be repaid at a later stage, usually when you die, usually from the sale of your home and means that you can still continue to live there in the meantime.

There are two main options to choose from;

Lifetime mortgage

This is where you take out a mortgage secured on your property (where it is your main home), while still retaining ownership. The loan amount, plus interest, is repaid when you and your partner die or if you go into long-term care.

You can also take out a Drawdown mortgage, a different type of Lifetime mortgage, which can allow a little more flexibility to unlock money when you like. You and the lender will agree to an overall sum of money to borrow. After withdrawing an initial amount, you will be then be able to withdraw smaller amounts as and when you need it.

Home reversion

You sell part or all of your home. You have the right to live in the property until you die, rent free but you will have to maintain and insure it. At the end of the plan your property will be sold, with the proceeds being shared according to the remaining ownership proportions.

If you are thinking of applying for Equity Release you should speak to a professional financial adviser. Using your Digital Toolkit, you can find a financial adviser from a carefully selected group, who will be able to talk you through releasing money from your property, guide you through the process and find the best deals for you.

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