Shared Appreciation Mortgage
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What is a Shared Appreciation Mortgage?
A shared appreciation mortgage is a form of equity release, where you take out a loan against your home, so that you can boost your retirement income without having to sell your house. The loan is repaid when the house is sold upon your death or if you move permanently into care. 
How does a Shared Appreciation Mortgage work?
You still own the property, but take out a loan against its value. Shared appreciation means you agree with the lender that if the property increases in value during the term of the loan, they get a share of the value when it is sold. In return, you get charged less interest, or no interest at all, on the loan.
How do I find out more about Shared Appreciation Mortgages?
To see if a Shared Appreciation Mortgage is right for you, use our free service to:
- Talk to an equity release expert
- Get professional, friendly advice
- Compare no obligation quotes
Just fill in our quick enquiry form and a broker will call you back to explain the process and help you choose the right equity release product for you.
Lifetime mortgages as from October 2004 are regulated by the Financial Services Authority. A lifetime mortgage is a loan secured on your home. The loan and interest are normally repaid from the proceeds of the sale of your home when you die or move into long term care. With a home reversion plan you sell all or part of your home for cash. However you do not get the full market return for doing so.
The above equity release mortgage detail is for information purposes only as does not constitute financial advice under the Financial Services and Markets Act 2000. When considering any type of equity release product, it is important that you seek independent legal advice.
THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.