The risks will depend upon the type of equity release plan chosen. For example, a roll-up interest loan will continue to increase until the property is sold but, to avoid owing more money that your home is worth, we only deal with providers who are members of SHIP (Safe Home Income Plans). This means that they are bound by a code that guarantees that the repayment amount will never exceed the sale proceeds of their property. A reversion plan actually involves selling an agreed percentage of the home to the lender, so there is a risk of the plan holder’s estate failing to benefit from any future rise in house prices on this percentage. A Just Retirement Solutions adviser will explain all the associated risks.