{"id":157,"date":"2021-10-05T15:45:25","date_gmt":"2021-10-05T14:45:25","guid":{"rendered":"https:\/\/www.affalo.co.uk\/blog-api\/?p=157"},"modified":"2022-09-08T14:20:10","modified_gmt":"2022-09-08T14:20:10","slug":"equity-explained","status":"publish","type":"post","link":"https:\/\/www.check.co.uk\/blog\/money-matters\/personal-finance\/equity-explained\/","title":{"rendered":"Equity explained"},"content":{"rendered":"\n<hr class=\"wp-block-separator is-style-wide\"\/>\n\n\n\n<p>You may have heard people talk about \u201cequity\u201d before, in relation to buying a home. But what exactly is equity? And why is it so important? In this article, we\u2019ll be explaining equity and what it means for you.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_79_2 counter-flat ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">What&#039;s Included?<\/p>\n<span class=\"ez-toc-title-toggle\"><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.check.co.uk\/blog\/money-matters\/personal-finance\/equity-explained\/#Home_equity\" >Home equity<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.check.co.uk\/blog\/money-matters\/personal-finance\/equity-explained\/#Why_is_it_important\" >Why is it important?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.check.co.uk\/blog\/money-matters\/personal-finance\/equity-explained\/#What_can_I_use_it_for\" >What can I use it for?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.check.co.uk\/blog\/money-matters\/personal-finance\/equity-explained\/#Pitfalls\" >Pitfalls<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.check.co.uk\/blog\/money-matters\/personal-finance\/equity-explained\/#How_do_I_build_equity\" >How do I build equity?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.check.co.uk\/blog\/money-matters\/personal-finance\/equity-explained\/#Credit-Score_offers_two_fabulous_solutions\" >Credit-Score offers two fabulous solutions.<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Home_equity\"><\/span><strong>Home equity<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Equity is, in a sentence, the portion of your home that you \u201cown\u201d.<\/p>\n\n\n\n<p>It\u2019s the difference between what you owe your lender and the property\u2019s current value. It comprises the amount you\u2019ve paid off, plus your deposit.<\/p>\n\n\n\n<p>What\u2019s more, if your home rises in value, then this also includes the difference between the price you paid when you bought the home, and how much you could sell it for now.<\/p>\n\n\n\n<p>Paying back your mortgage increases your equity.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Why_is_it_important\"><\/span><strong>Why is it important?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Equity in your home is a measure of your accumulated wealth. Ideally, you want your equity to be positive. If you have negative equity on your home, you will not be able to sell it for the same amount that you bought it, since a large portion of the money goes to the lender.<\/p>\n\n\n\n<p>It takes time to build equity on your home, because it is dependent not just on your mortgage, but also on the wider housing market. The value of your home can depreciate even when you\u2019ve paid off more than half your mortgage. Even once you\u2019ve completely paid off your mortgage, your home\u2019s overall value is still tied to the market.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_can_I_use_it_for\"><\/span><strong>What can I<\/strong> <strong>use<\/strong> <strong>it for?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Once you&#8217;ve paid off your mortgage, you can use the equity to get a lump sum, or a steady stream of income. Often, people over the age of 55 arrange for something called \u201cequity release\u201d. There are two ways of doing this:<\/p>\n\n\n\n<p>First, you could take out a mortgage on the value of your home. This liquefies the cash that is tied up in your home and allows you to put it towards other things.<\/p>\n\n\n\n<p>Second, if you\u2019re over 65, you could apply for a \u201chome reversion\u201d. You sell a stake in your home to a provider who pays you a tax-free lump sum in return. The provider will allow you to keep living in the house rent-free. When you die and your home goes back on the market, the provider will ask your heirs to hand over a portion of the sale equivalent to their stake in the home.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Pitfalls\"><\/span><strong>Pitfalls<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Bear in mind that equity is just as important in inheritance. If you go through with release when you\u2019re still alive, your heirs will not receive as much as they otherwise would. On the other hand, it does improve your standard of living while you\u2019re still alive.<\/p>\n\n\n\n<p>You should always seek proper financial advice before you go through with something as serious as equity release.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_do_I_build_equity\"><\/span><strong>How do I build equity?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>This is a question with a complicated answer, as discussed above. However, the main points are that you need to be reducing your debt as fast as you can. Mortgages with large deposits already put you at an advantage, so it pays to save before you buy.<\/p>\n\n\n\n<p>Making overpayments can also help reduce your outstanding balance and therefore your interest. <a href=\"https:\/\/www.check.co.uk\/blog\/which-type-of-mortgage-is-right-for-me-mortgage-types-simplified\/\" target=\"_blank\" rel=\"noreferrer noopener\">However, bear in mind that some mortgage types disincentivise and even punish you for making overpayments,<\/a> so be sure that overpaying won\u2019t hurt you financially.<\/p>\n\n\n\n<p>Lastly, remember that a house is an investment, just like buying stocks and shares in a company, and therefore, it makes more long-term financial sense to direct money you receive outside of your regular income \u2013 bonuses, windfalls, lottery winnings \u2013 into paying off your mortgage, which in turn greatly builds the value of your estate.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Credit-Score_offers_two_fabulous_solutions\"><\/span>Credit-Score offers two fabulous solutions.<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>If you\u2019re preparing to take a mortgage, never apply until you\u2019ve tried our unique and&nbsp;<a href=\"https:\/\/home.credit-score.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">FREE Credit-Score Home app.<\/a>&nbsp;Our smart technology will tell you what you need to fix so you avoid rejection. The app predicts when you will be able to buy, for how much and tracks your month-by-month progress to mortgage success. We\u2019ve even added your own mortgage broker, so you get the best deals available.<\/p>\n\n\n\n<p>More focused on your credit rating? Well, get started for free with&nbsp;<a href=\"https:\/\/www.check.co.uk\/register\" target=\"_blank\" rel=\"noreferrer noopener\">Credit-Score\u2019s 24- Factor Credit Check<\/a>&nbsp;to truly help you improve your creditworthiness and how lenders view you. (Remember: lenders don\u2019t use your credit score! We\u2019ll show you what lenders look for and how to get your credit report in the best shape possible).<\/p>\n","protected":false},"excerpt":{"rendered":"An explanation of what equity is, and how you can make it work to your advantage later in life, after you&#8217;ve paid off your mortgage.\n","protected":false},"author":19,"featured_media":5159,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[285],"tags":[506,508,620,664,665,558,666,621,523],"class_list":{"0":"post-157","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-personal-finance","8":"tag-buying-a-home","9":"tag-buying-a-house","10":"tag-creditscore","11":"tag-equity","12":"tag-equity-release","13":"tag-homebuyer","14":"tag-how-do-i-build-equity","15":"tag-mortgage-score-home","16":"tag-mortgages"},"acf":[],"featured_image_src":"https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2021\/10\/hutomo-abrianto-X5BWooeO4Cw-unsplash-scaled.jpg","author_info":{"display_name":"Robert Edwards","author_link":"https:\/\/www.check.co.uk\/blog\/author\/conor-mullinsaffalo-co-uk\/"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.6 - 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