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The answer will depend upon many factors, including:
 Whether you have dependants. Do you want to leave money to any relatives?
• If you have no dependants then look at Reversion schemes where you can sell up to 100% of your home. This will offer more money from a property than a Lifetime Mortgage plans.
 If you have any dependants
• Look at a Revision plan. But this time only sell a percentage of your home, this guarantees that no matter what happens to the value of your property the remaining percentage will always be available for your beneficiaries
 How much you need to borrow
• A Roll Up mortgage may not provide enough money, but larger sums are available under a Reversion Plan providing you are willing to sell a considerable percentage of your home
• Your Age / Youngest Age
• Reversion plans are generally not available until the youngest applicant is 65 whereas Cash Release plans are available from 55
 Life expectancy
• With a Reversion plan interest is charged upfront, usually based on average life expectancies
• If you, or both of you in the case of a joint plan, are unlikely to live a long time, or intend to sell the home shortly after taking out the plan you could lose out more under a Reversion Plan than a Equity Release scheme
• This is because your beneficiaries would only be liable for the initial amount borrowed plus interest due during your lifetime
 How much spare income you have each month
• If you have considerable spare income each month and only want to release capital to spend, an ordinary interest only mortgage might be better as providing you pay the interest each month
• The debt would not build up and the interest charged by the lender would be lower
• Alternatively, if you didn't want the extra monthly expenditure a specialist Equity Release Scheme would be better

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equity release