Chat with us, powered by LiveChat Home reversion plans | Agincare
Care enquiries 0800 0121 247 Careers 0800 2100 149 Mon - Fri 08:00 - 18:00

Search form

Delivering quality care for over 30 years

You are here

Home reversion plans

With a home reversion plan, you agree to sell a percentage of your property (up to 100%) for an agreed amount. You can receive this as a lump sum, an income or both.

If you choose to sell ALL of your property to the reversion company, you will usually receive between 25% and 50% of its current market value, depending on your age.
When you die, the percentage of your home that you sold belongs to the reversion company. If you sell your entire home, the company owns your home outright, including any increase in its value since you agreed to sell it. Some schemes offer a rebate for your family if you die within the first few years of signing up to a home reversion scheme.

Full reversion example

Your home is worth £100,000. You agree to sell all your property to the reversion company for half its current value, so you receive £50,000. When you die your house is worth £150,000, 100% of the house is owned by the reversion company, so there is no residual value to pass on to your beneficiaries. 

Partial reversion example 

Your home is worth £232,000. You agree to sell 50% your property to the reversion company for 25% its current value, so you receive £58,000. When you die, your house is worth £300,000.The reversion company will receive £150,000 in recompense for their original loan of £58,000, your estate will have £150,000 to pass on to your beneficiaries.


  • You continue to live in your home
  • No monthly interest repayments
  • You control what portion of the property is left to your beneficiaries – If you sell 50% of your property, then 50% is still available to be left to your beneficiaries
  • Plan provides a cash lump sum and/or partial payments
  • The payment is larger if the applicant suffers impaired health


  • Full Reversion - You do not own your house Partial Reversion – You only own a percentage of your house
  • You may not be able to move or downsize as you do not own all or any of your house. Reversion policies are not portable, so the house will have to be sold and the reversion company repaid before you can move to a new home
  • Full 100% Reversion - You will not own your home when you die, so you cannot leave it or any money from it to your family or other beneficiaries Partial Reversion - You will not own 100% of your home when you die, your family or other beneficiaries will not inherit the full value of the house
  • The home is bought at a discount so is less suitable for people in their 60's
  • If death occurs soon after taking out a plan, it could be poor value for money
  • Reversion companies may not buy 'unusual properties' and/or in certain locations
  • General upkeep expenses - you are responsible for the upkeep and maintenance of your property. If it is not done to a satisfactory standard, the reversion company may do it and invoice you

Important note

Releasing money from your home means you will leave less to your family. Tax and welfare benefits may also be affected. Check that your chosen plan will meet your needs if you want to move or sell your home, or if you want your family to inherit it.


(Mon-Fri 8am-6pm)
Care Assessment
Book a free home visit
Brochure Download
For further information
Careers in Care Start Your Future Now

"It's wonderful to be an important part of someone's life and make a real difference".

Jess from Nottingham

Care Assessment