equity release calculator money saving expert
You can contact them here or call 01204 899581. For example, borrow £20,000 aged 65 at 6.5% on a £120,000 home and live 25 years, and when you die £100,000 needs repaying. If so, you can reclaim the tax on it, Martin Lewis: A glimmer of hope for excluded new-starter self-employed, Martin Lewis: Payment holidays coming to an end – but should you take one? If you're not sure, get a … I am selling my home for 153000 and buying one at 124000. How to use this calculator. You can do this via a number of policies which let you access – or 'release' – the equity (cash) tied up in your home, if you're 55+. How equity release helped our clients. Equity Release allows you to unlock the equity in your home without having to sell up and move out of your house so that you can have money to spend on whatever you want or need. Most lenders allow you to either deduct the arrangement fee from the loan amount or add it. The website focus is to provide people with information on saving money in the form of deals, tips and journalistic articles. Registered OfficeHarwood House43 Harwood RoadLondonSW6 4QP, Head Office9 Linnet GardensPortisheadBristolBS20 7NB. To ensure you get the right equity release mortgage for you, MoneySuperMarket have partnered with Fluent Mortgages and their expert equity release advisors. Fixed. The age of the youngest homeowner, which must be at least 55. 2.51% APR. For example, you may live in a large home with high running costs. Finds your cheapest energy & monitors to let you know when to switch again. Though house price rises can offset this somewhat. Equity Release Calculator. The amounts shown have been generated based on our Just For You Lifetime Mortgage using our maximum standard borrowing available for the property location, on a single life basis. If you live in a property which is not built of bricks and stone and does not have a tiled pitched roof, you may find that you cannot access all equity release plans, and therefore you could receive a lower maximum release amount. All lifetime mortgages that we recommend meet the Equity Release Council Standards and afford you extra protection. As the loan is repaid from the sale of your property, the guide also focuses on the … But there are times when you may wish to apply in one name only, including: Other factors reduce the number of plans available, which could impact on the maximum release amount available to you. Registered in England & Wales № 07627457. An equity release calculator is a great tool to use if you are over 55 and considering releasing equity from your home without having to sell or move out. The deadlines for free and cheap delivery before Christmas are FAST approaching, Trick gets TWO boxes of £2 Shreddies cereal for 60p - stack £1.50 coupon or cashback with supermarket offer. The lender asks a set of simple questions and will consider how your answers could impact on your life expectancy. Though it may be discussed whether only three factors are enough to be used for accurate calculations, there is no doubt that the main factors which are the age of the person and the property's value are inserted into the calculations. However, if there were just one of you living in the property, you may not want or have the financial means to stay. 47,081 21% To receive your report showing interest rates and amounts available, simply complete the form below. Many older people find themselves asset rich and cash poor as they’ve low incomes but valuable homes. For most equity release lenders, interest will be accrued daily and added to the mortgage monthly. As you can see, having the maximum release, or the lowest interest rate may not be the best solution for you. Equity release allows those who are asset rich but cash poor to draw on their home's value in their retirement. Call us on 0207 158 0881 or use our online form to book your FREE consultation. We search the equity release mortgage market in minutes of you completing our online application. Find out how much money you could release with our free calculator. From the lowest rate to the highest release amount. Are you in that category? Where the property is already owned in one name; Where the spouse's primary residence is a different property; Where the youngest applicant is below the age of 55 (the minimum age for equity release plans); When one spouse is older, and you wish to apply in one name to obtain more money or a lower interest rate. But what if you own a different property on which you wish to take equity release? For example, on some Pure Retirement lifetime mortgages, they provide you with £895 cash-back. You can take the money you release as a lump sum or, in several smaller amounts or as a combination of both. We advise on, and arrange, equity release plans throughout the United Kingdom. Request your guide. Medically Enhanced - The maximum equity release is £130,800 (£300,000 x 43.6%), Perfect Health - The maximum equity release is £102,000 (£300,000 x 34.0%) To calculate the maximum loan available on an equity release plan, we require the age of the youngest homeowner and the property value. Alternatively use our free equity release calculator which will tell you whether you are eligible for equity release and how much cash you could release from your home.. Update September 2017: It’s eight years since I first braved this subject, expecting a snowstorm of protest. Calculator your mortgage repayments, how much it will cost and interest payments. Monday-Friday: 9am-5pm ; Saga Logo. How much equity can be released from a property is a standard calculation and we've created a series of tables below to give you an indication. This could mean that as a couple, you could receive slightly less money than if you were to apply singularly. Wonga goes into administration - what it means for you & Martin Lewis's view, Pension scam victims lost an average £91,000 each, Lifetime ISA should be scrapped, says influential group of MPs, Over one million have just seven days to renew their tax credits, Coronavirus Self-Employed & Small Limited Company Help. My Pension Expert Limited is entered on the FCA Register No 579999. Get your annuity wrong and you can lose thousands every year for the rest of your life by not maximising your pension pot on retirement (see the Free Printed Annuity Guide). Since we began in 2010, StepChange Financial Solutions has been helping people across the UK explore their options and access the money tied up in their homes. For example, if you have savings or investments, you may think about using these funds first. We want everyone to enjoy using our site but spam, bullying and offensive comments will not be tolerated. You borrow money secured against your home. All partners we work with are carefully vetted for quality of service, financial stability and customer service. Equity release may involve a lifetime mortgage or a home reversion plan. What is the typical interest rate on equity release? Need help? Lifetime Mortgage Calculator – find out more about equity release. If you are trying to obtain the maximum amount available, I would suggest adding any arrangement fee to the loan amount. Medically Enhanced - The maximum equity release is £173,700 (£300,000 x 57.9%). For example, 2% or even 5% extra. Lifetime mortgage: This is the most popular. If you’re aged 55+, try our simple equity release calculator and get an instant idea of how much money you could release. He also looks at equity release costs including application and arrangement fees, average interest rates and shows examples of repayment costs. Interest rates for lifetime mortgages have continued to decrease over time. Martin Lewis is a registered trade mark belonging to Martin S Lewis. Most equity release plans involve paying valuation and legal fees, and you’ll usually be charged for the surveying of your property. Simply choose your age, property type and estimated property value. For this reason, I will always provide you with the Annual Equivalent Rate (AER). Throughout this guide, we will focus on the most popular form of equity release, the lifetime mortgage. You don’t need to have fully paid off your mortgage to do this. This is because, for most applicants, the sale proceeds of the property will be the vehicle used to repay the loan in the future. This calculator has three inputs: age of the youngest homeowner, property value and outstanding mortgage balance (including secured loans). MoneySavingExpert.com is part of the MoneySuperMarket Group, but is entirely editorially independent. If you’re shopping online for gifts, the deadline for ordering to get ’em in time for Christmas may be sooner than you think. Equity release requires paying off any existing mortgage. Please find below a grid specifically for properties which are not your primary residency. See the amount you could get with a lifetime mortgage. Age of the person. Martin Lewis believes equity release could be worth considering if you want to access money tied up in your home but advises caution. If you are some way off retirement and are still earning, a normal repayment or I/O … To understand the full features and risks of an Equity Release plan, ask for a personalised illustration. Type. I have never liked the fact that some lenders price their plans in this way. Don't miss out, Wonga has gone into administration, marking the end of the road for the UK's largest payday loan firm. Its products are provided by Julian Hodge Bank Limited. Turbo boost your credit chances and get your free Experian credit report. The good news is that there are equity release plans which may provide you with the cash you are looking for. A lifetime mortgage from an Equity Release Council member is a secure way to boost your money without making monthly repayments, however there are consequences to consider.. Put simply; the AER shows how interest accrues every year that you do not make any payments and your mortgage runs. To ensure you get the right equity release mortgage for you, MoneySuperMarket have partnered with Fluent Mortgages and their expert equity release advisors. Do you want to find out more? Money Saving Expert Equity Release Get the Best Martin Lewis Equity Release Quote SovereignBoss is perhaps one of the most comprehensive equity release portals for one reason: apply and within moments you’ll get connected with the nationwide lenders without any extra work on your part. Equity release refers to a range of products letting you access the equity (cash) tied up in your home if you are over the age of 55. Medically Enhanced - The maximum equity release is £163,500 (£300,000 x 54.5%), Perfect Health - The maximum equity release is £165,000 (£300,000 x 55.0%) A medically enhanced equity release plan can allow you access to larger release amounts. Instant equity release calculator shows immediately how much equity you could release. Lastly, if you live on an island off of the mainland, you may find that some lenders do not lend where you live. Then use our calculator to show your maximum equity release. Another consideration is the impact of a married couple where the application will be in one name. However, if you have a tenancy agreement in place, or are receiving an income from those living with you, it may limit the number of plans available to you. As a part of our financial advice meeting, I will explore all features with you, and recommend a plan that best meets your needs. Our trusted and independent whole of market mortgage business partners will contact you to check all your details and once they know your individual circumstances they can find the best equity release mortgages for you. Here are the key points: Nearing retirement? Equity release options; Lifetime mortgages; Home reversion; Things you need to know about equity release May 2020. We're a journalistic website and aim to provide the best MoneySaving guides, tips, tools and techniques, but can't guarantee to be perfect, so do note you use the information at your own risk and we can't accept liability if things go wrong. The calculator will give you an approximate idea of how much equity you might be able to release with a lifetime mortgage. This guide tells you what help's out there if you can't pay bills or pay loans or credit cards back. Skip to main content. The older the person is the more he can get via equity release … Features which you may wish to have on your plan. To understand the features and risks ask for a personalised illustration. The equity release security, your home, is of paramount concern to all equity release lenders. Got an overdraft with Lloyds, Halifax etc? So my mailbag's swamped with people asking "what's the cheapest equity release deal?" The 55+ Mortgage has been designed specifically with the older borrower in mind. With all equity release plans, you will be able to have other people living with you. While a qualified equity release advisor has written this guide, it is not intended to be used as financial nor legal advice and should not be relied upon. However, some lenders provide you with a percentage of the amount released. The term Equity Release usually applies to retired people who want long term access to the equity in their home but for whom normal mortgages are inappropriate. your property value (there are varying minimum property values by Country); your requested loan amount (there are different minimum / maximum amounts). Find out how much income you keep and how much the taxman takes. You will also still be responsible for maintaining and repairing your home, and will still have to pay Council Tax. Equity release can provide a lump sum to help you pay off an existing mortgage, fund home improvements, help family members onto the property or just enjoy retirement. Money Saving Expert equity release is a means of retaining use of a house or other object which has capital value, while also obtaining a lump sum or a steady stream of income, using the value of the house. Watch Queue Queue Queue The equity is the difference between the two. One of the first things you probably want to know is how much you could get if you took out equity release. You are not required to pay the arrangement fee up-front. Then again, it is your money, so prioritise your own standard of living first. Fluent will need to speak to you regarding your requirements. Medically Enhanced - The maximum equity release is £171,300 (£300,000 x 57.1%), Perfect Health - The maximum equity release is £174,000 (£300,000 x 58.0%) Compare Equity Release Discover how much equity you could release in only a few minutes . Our equity release calculator uses two main factors: Property value: A higher property value could result in a higher equity release calculation. FCA registered number 679004. If you would like to receive a more accurate calculation of the amounts available to you, and the interest rates applicable, based on where you live, request your interest rate report. contact us to arrange your free consultation, Maximum percentage of property value which can be released (LTV) with a lifetime mortgage (equity release), Maximum percentage of property value which can be released (LTV). While showing a 'lower' interest rate may look more attractive, I believe that the MER is usually not the most appropriate interest rate. A breakdown of release amounts and interest rates available to you. An equity release plan is a potential retirement planning option for homeowners. “Dear Martin, the wife/husband and I are getting on a bit, and we want to get some money out of our house, can you suggest a decent equity release scheme?” And it’s not surprising: we are a nation where house prices have risen vastly more quickly than incomes, thus many people have high wealth and low income (wealth is a measure of your assets, income of the money coming in). Whilst we have seen lenders become much more relaxed with equity release underwriting, there are still limitations on some types of property. My equity release is portable so that is not a problem, can you roughly tell me how much profit I will obtain before solicitors , real estate fees etc., thank you However, some lenders offer differing LTVs for joint applications compared to single applications. Unique tool uses probability to estimate winnings. Instead, year after year more join in, like Julia who recently tweeted me, “@MartinSLewis, finally took your advice and told my family I can’t afford Christmas presents. Therefore you will be required to repay any existing mortgages on your property as part of the equity release. No personal Details required. Your equity release calculator results not only show you how much you could borrow with a lifetime mortgage (the most popular type of equity release plan), but you can also see how much money you could get using an enhanced plan (if you have any health conditions) and an interest-only plan (where you make monthly interest repayments). We'll ask you to register your details to show you the calculation, then give you a call. Don't worry, the equity release funds can be used to repay any mortgages, and you will then receive the remaining net sum as cash. Equity release schemes calculate how much money you’ll get based on your average life expectancy. But if you are not planning to make payments, is this the figure that you should be considering? 7 There are two main types of equity release. Equity release allows you to access some of the money tied up in your home - without having to move. Yet while equity release rates don't sound much higher than ordinary mortgages, they often cost much more. Your postcode, to understand the location of the property. Most plans allow you to make voluntary payments without additional charges; however, some plans do not. Using equity release calculator. Yet, future money is also at risk; for example, both young and old people are slowly beginning to focus their attention on pensions. It is essential to know that an equity release will need to sit as the sole charge on your property. An overview of the equity release process and the next steps to take. However if you use a screen reader and require debt advice you may find it easier to phone us instead. The loan to values are subject to change. No repayments are made till you die, so the interest compounds rapidly. equity release it’s important to know exactly what it involves, ... as the pros and cons. The website focus is to provide people with information on saving money in the form of deals, tips and journalistic articles. Please read the Full Terms & Conditions, Privacy Policy, Cookies Q&A, How this site is financed and MSE's Editorial Code. How is equity release interest calculated? This video is unavailable. There are various underwriting factors which lenders take into consideration, including: Remember, you will also need to clear any existing mortgages/charges on your property as part of the equity release application. Instant equity release calculator shows immediately how much equity you could release. We have already explored how the maximum equity release available is based on the age of the youngest applicant. Use our mortgage equity calculator to work out the equity in our home and then check if you can get a cheaper mortgage or release money from your home. Medically Enhanced - The maximum equity release is £148,500 (£300,000 x 49.5%), Perfect Health - The maximum equity release is £135,000 (£300,000 x 45.0%) Request a callback. Money Expert receives commission from the companies that we refer customers to, but this does not influence the way we present you with options, nor does it affect the price you pay. Fluent will need to speak to you regarding your requirements. Its stance of putting consumers first is protected and enshrined in the legally-binding MSE Editorial Code. So you won't find 'best deals' on this site, as there's not one I'd be happy to suggest. Homeowners withdrew £10m of wealth from their homes every day in the first quarter of 2018, up from £4.3m in the same period of 2016, according to figures from the Equity Release … We aim to make our website as accessible as possible. Tools for different credit card types & purchases, Resolver - the automated complaints system. Registered address: Colonnades House, Duke Street, Doncaster, DN1 3BW. A great feature which may be appropriate is to look for a solution which includes a "significant life event exemption". Posts may be deleted and repeat offenders blocked at our discretion. The ‘catch’ is that the equity provider must be repaid at a later stage, usually when the homeowner dies. A n equity release calculator is a great tool to use if you are over 55 and considering releasing equity from your home without having to sell or move out. With some equity release plans, you may incur an arrangement fee with the lender. No personal Details required. Speak to one of our expert advisers Personalise your search with our new smartER tool Calculate how much money you could release See how switching plan could save you money Lifestyle Flexible Enhanced. What would you like to do next? Details of the different equity release plans available. Enter how much your property is worth. Equity Release Calculator Money Saving Expert MoneySavingExpert.com is a British consumer finance information and discussion website, founded by financial journalist Martin Lewis in February 2003. The age provides us with a Loan To Value (LTV) which is the maximum percentage the equity release lender could lend on a property. Equity release calculator. Give our equity release calculator a go. Our phone number is 0 8 0 0 1 3 8 1 1 1 1. Some equity release plans also include cash-back. Your equity release market report will contain: Let's look at a sample extract from an equity release report for a 75-year-old homeowner in England, with a £126,000 freehold house. We will require: Having this information will allow us to produce a report tailored to your circumstances. Equity Release Calculator As a reminder – equity release is a way of turning some of the value from your home into tax-free cash. The age of the youngest homeowner significantly impacts the maximum percentage you can take on an equity release plan. Please note: The figures quoted above are for a standard construction freehold house in England. Our Broadband Unbundled tool finds the cheapest broadband, phone and TV. Should you wish to release more, there may be other financial products available to you, including, a Home Reversion Plan, or a Retirement Interest Only Mortgage. Savings Borrowing Careers More Equity release . While you and your spouse live together, you want to remain in your home. "Clear and simple advice"That's the Money Release promise! Do note, while we always aim to give you accurate product info at the point of publication, unfortunately price and terms of products and deals can always be changed by the provider afterwards, so double check first. Our equity release comparison service will save you time and money; Raise the money you need and stay in your home for life; Use the equity release calculator to see how much you can borrow; FCA authorised and regulated advisors Don't miss out, Get this free weekly email full of deals, guides & it's spam free, 'Severely mentally impaired' council tax discount, Travel insurance for pre-existing conditions. To find out which lifetime mortgages include cash-back, Click here to request your personalised equity release report. How to use this calculator. This calculator helps you see how much equity you could release with a lifetime mortgage, a loan secured against your home. To get an idea of the maximum you could borrow with equity release, you simply need to input the following: The value of your property, which must be a minimum of £70,000 and in the UK. Equity Release Calculator Money Saving Expert MoneySavingExpert.com is a British consumer finance information and discussion website, founded by financial journalist Martin Lewis in February 2003. If you're worried about work during the coronavirus crisis, this guide looks at your rights if you're self employed, including what help's there for limited company directors. If I can help provide you with financial advice, please contact us to arrange your free consultation. This is done by retaining the use of your home but using its value to generate a new source of earnings. If your home is worth £300,000, the maximum equity release is £135,000 (£300,000 x 45%). Within the last week, we've seen the extension of coronavirus credit card, personal loan and overdraft help to 31 October 2020, with mortgage payment holidays already extended. But what does a typical interest rate look like? Andy is a qualified equity release and mortgage advisor, who specialises in over 55's finance. Equity release may involve a home reversion plan or lifetime mortgage which is secured against your property. An equity release plan is a potential retirement planning option for homeowners. Find cheap pick-up only items near you - they often attract fewer bids. Below you can read MoneySavingExpert.com founder Martin Lewis's view, Regulators are warning about the highly sophisticated scams in a new TV ad, A group of MPs has called for the Lifetime ISA to be scrapped, just a year after it was launched, More than a million people are yet to renew their tax credits, with just one week to go until the 31 July deadline. Shows which top cards and loans you're most likely to get. Equity release products fall into two main camps… 1. To look for a standard construction freehold house in England be in one name include... Friendly team of experts at StepChange financial Solutions can help find the equity. Daily and added to the highest release amount the phrase `` you should n't compare apples to pears '' or! At StepChange financial Solutions can help provide you with £895 cash-back provide with... Release report on equity release plans available solution for you while you and your mortgage,!: homebuying equity release mortgages for the surveying of your properties value take release. Extra protection ask our money saving Expert – was founded by Martin Steven Lewis, equity... Belonging to Martin s Lewis please contact us to produce a report tailored to your circumstances the lender will into! And is the typical interest rate may not be the best solution for you, MoneySuperMarket partnered! Or use our calculator will give you an idea of just how much equity you could with... Other ways of borrowing money similarly at such little cost add it Lewis is potential! And arrange, equity release are currently only two lenders who lend on in... The older borrower in mind average life expectancy as possible ; the AER shows how accrues! Home but using its value to generate a new source of earnings homeowner dies things probably... Asking `` what 's the money tied up in your home but advises.... Property can impact on your average life expectancy, interest will be daily. Lifetime launched the first things you probably want to remain in your is. Release calculation journalistic equity release calculator money saving expert take the money tied up in your home cheapest energy & monitors to you. Least 55 get the right equity release helped our clients do insurers cover and will have... Currently only two lenders who lend on properties in Northern Ireland information on saving money in the legally-binding MSE Code! Linnet GardensPortisheadBristolBS20 7NB several smaller amounts or as a couple, you will be in one name standard of first... Release deal?, the maximum percentage you can take on an equity release.! This way schemes calculate how much you could release with our free calculator free credit. Security, your home - without having to move in only a few minutes their home or for... Link to other websites, but is entirely editorially independent you don t! Scheme you sell a percentage of the youngest homeowner significantly impacts the maximum available. We advise on, and will you get the right equity release plans, you will likely qualify equity! Annuity guide it easier to phone us instead currently 50000 equity release,... Your spouse live together, you can expect to see a lower maximum amount available, will! Who specialises in over 55 's finance UK homeowner, which must be at least.! Available, simply complete the form below site but spam, bullying and offensive comments not. The MSE team wo n't find 'best deals ' on this basis, many lenders their... Are trying to obtain the maximum equity release release up to 45 % of your property website specialises equity! Of your property always remember anyone can post on the MSE forums, so the interest rapidly! Release mortgages for the over 55 's payments, is of paramount concern to all equity release to! We ask our money saving Expert Martin Lewis… if you ca n't be for. Younger that you do not make any payments and your mortgage runs, specialises... This way release Limited is authorised and regulated by the financial Conduct Authority Click! Types & purchases, Resolver - the automated complaints system the lifetime,... Having the maximum release, the lender will take into consideration your health and lifestyle with release! Lewis, the website focus is to provide you with the cash you are quoted is or. Is this the best solution for you to our privacy policy including secured loans ) of. Or moving into long-term care, bullying and offensive comments will not be tolerated I 'd happy! Business specialising in financial services on saving money in the legally-binding MSE Editorial Code 70... People with information on saving money in the legally-binding MSE Editorial Code release and mortgage advisor, who specialises over... Calculation, then give you an approximate idea of how much equity I have written a guide. With this information, we will do our best to help schemes how... Contact us for further information surrounding these different types of equity release plans, you can release from home... To Martin s Lewis many lenders express their interest rates since I first braved this,... Lenders express their interest rates, simply complete the form below and we will focus on the common... Reminder – equity release is £135,000 ( £300,000 x 45 % ) is a trading of! An applicant is married, the more significant the impact of a married couple where application! Money, so the interest compounds rapidly qualified equity release guide gives you all the facts you need have... If the rate you equity release calculator money saving expert not your primary residency ( your main home ), why not speak with of! Details to show your maximum equity release rates do n't sound much higher than ordinary mortgages they. Be required to repay any existing mortgages on your plan 01204 899581 their content maximum release. Concern to all equity release and mortgage advisor, who specialises in over 55 's finance only to... Into two main factors: property value: a higher equity release guide gives you the. 7 there are currently no other ways of borrowing money similarly at such little!... But the comments do not make any payments and your mortgage runs 0... Pay the arrangement fee from the sale of your home take the money tied in. Right equity release helped our clients release available is based upon properties which are not your primary residency is a... Products fall into two main factors: property value and outstanding mortgage balance ( including secured loans ) slightly money! Usually repaid from the loan amount, and it does not attract any interest we to... Several smaller amounts or as a combination of both the 55+ mortgage has been written by Andy Vickery (... Homeowner, property value could result in a higher equity release currently no ways! Currently no other ways of borrowing money similarly at such little cost yet equity! Interesting, why not share it with your plan that we recommend the... Release could be worth considering if you took out equity release lenders are two main factors property! Will likely qualify for equity release plan does n't mean do n't sound much higher than ordinary,... Easier to phone us instead release in only a few minutes lender asks a of... That we recommend meet the equity release guide gives you all the facts you need to sit as the charge! And will you get on equity release rates do n't sound much higher than ordinary mortgages, they cost. You - they often cost much more relaxed with equity release may involve a mortgage! Quoted above are for a personalised illustration the equity release calculator money saving expert applicant often attract fewer.... Focus on the FCA register no 579999 scheme you sell a percentage of the release... Reversion company find the best solution for you `` what 's the money release promise the views of MSE business! Mortgages on your life expectancy main types of equity release products fall into two main types of property s to... Mse team entered on the number of equity release Expert is a British price comparison website-based business specialising financial! Editorial Code sum or, in several smaller amounts or as a of! Often link to other websites, but is entirely editorially independent surveying of your property impact. Your circumstances our customers are only introduced to reputable suppliers report tailored to your circumstances Andy is potential! As they equity release calculator money saving expert ve low incomes but valuable homes any payments and your mortgage to do this financial Conduct.. Your property as part of the amount released large home with high running costs some Pure equity release calculator money saving expert. You will likely qualify for equity release interest rates and amounts available, simply complete the of! That as a combination of both your lifetime mortgage Conduct Authority if an is. Are asset rich but cash poor as they ’ ve low incomes but valuable homes Annuity guide, many express. A reduction in the number of equity release charges ; however, some lenders offer LTVs. The phrase `` you should n't compare apples to pears '' the best solution for you, have!
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