As our loans are structured as a Reverse Mortgage you benefit from key structural and legislative protections.
You remain the owner of your home (and benefit from any increase in property value)
You can stay in your home for as long as you want to
No Regular Loan Repayments
There is no requirement for you to make periodic loan repayments (although you can do so at any time). The loan becomes repayable when you leave your home.
No Negative Equity Guarantee
You cannot end up owing us more than the house is worth.
These protections are subject to you not materially breaching our loan contract terms and conditions.