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Lifetime mortgages can be an excellent option for some people and for many they offer a real lifeline when access to cash.

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Yet equity release products aren't without their drawbacks and shouldn't be taken on without serious consideration and sound financial advice.

If you remortgage, you will have to make monthly payments to cover the cost of your borrowing and the interest.

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You probably already know about standard mortgages, which are repayment or interest-only fixed-term residential mortgages.

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Borrowers need to hold this insurance until the loan's remaining principal dropped below 80% of the home's original purchase price.