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A reverse mortgage lets you spend your home equity without selling — no repayments required while you live there, and the debt simply grows. That growth is the catch: interest compounds on a balance you are not reducing, and the loan can consume a startling share of your home's value over two decades. This guide shows the long-term numbers, the effect on your estate and benefits, and the alternatives worth comparing first.
equity-release analysis
You keep ownership and can stay for life as long as you maintain the property, pay rates and insure it — those obligations are the real terms to respect.
Faster than you think — at 7-8% compounding, a balance doubles roughly every 9-10 years even with no new drawdowns.
Yes, potentially — the loan can count as an asset or income for means-tested benefits. Check before you sign.
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