If you own your home, aged between 55 and 95, and have little or no mortgage left to pay off then you could use whats known as an equity release plan to unlock some the cash thats tied up in your property. The Daily Mail writer Charlotte Beugge has produced a guide that explains the ins and outs of equity release, and the benefits and pitfalls of the various types of plan available.

Equity release is a way for you to enjoy the money tied up in your home without having to move, but may not be suitable for everyone. Take independent financial advice before agreeing to an equity release plan, and read all you can before signing. The www.keyrs.co.uk/dailymail Equity Release Guide from the Daily Mail would be a good place to start. It’s sponsored by the equity release specialists ‘Key Retirement Solutions’ and also available from www.keyrs.co.uk/express

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