You'd be putting someone's else's home up as collateral and therefore at risk should you default on your home loan repayments.


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Your spouse will need to use alternative means to repay the loan, should they wish to retain ownership of the property.



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If you're receiving certain means-tested state benefits, taking a lifetime mortgage could impact your entitlement.


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Government-backed mortgages, such as FHA, VA, and USDA loans, have less strict approval requirements, so they are popular among first-time home buyers.


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