Money blog: Is equity release a good idea? Industry insiders give their view

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Equity release refers to taking money out of your home without having to sell the property. You can take the money you release as a lump sum or in several smaller amounts.There are two ways to do this:To be eligible for a equity release you must be:ProsRichard Dana, founder and CEO of the family mortgage specialist Tembo, says the big benefit of equity release is it allows you to remain in the home you want to live in for the rest of your life without any risk of it getting repossessed.

'It's a good product to improve their lifestyle but the problem is how you spend the money,' Dr Koblyakova says.'If you are just paying existing debts that means you are losing your house and being charged such high interest rates. So you are having one debt to cover another debt which is expensive.'I would suggest thinking 100 times before going for that sort of loan.

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