Roman Pathak
Equity Release & Later-Life Lending
Roman Pathak is Director of Accounting Solutions and writes our equity release, RIO mortgage and downsizing content. Based in Greater London, he advises clients on the cash-flow, tax and estate consequences of later-life borrowing decisions.
His guides are deliberately balanced - equity release can be the right answer for some households and the wrong answer for many others, and he believes readers deserve the full picture before they speak to a salesperson.
Roman is a strong advocate for working through downsizing, unclaimed benefits and family arrangements before committing to any later-life borrowing product.
Credentials
- Director of Accounting Solutions
- Specialist in later-life lending and estate planning
Recent articles by Roman Pathak
- Equity release explained
What equity release is, the two main types - lifetime mortgages and home reversion - and how interest rolls up over time.
- Equity release: pros and cons
A balanced look at the benefits and the risks of equity release, including the no-negative-equity guarantee and the impact on your estate.
- Equity release alternatives
Downsizing, retirement interest-only mortgages, family loans and using savings - alternatives to consider before releasing equity.
- Lifetime mortgage vs retirement interest-only
How a lifetime mortgage compares to a retirement interest-only (RIO) mortgage, with worked examples of the long-term cost.
- Does equity release affect benefits?
Equity release can affect means-tested benefits like Pension Credit and Council Tax Reduction. Here is how - and what to check first.
- Equity release for care costs
When equity release might fund care at home, the risks, and lower-cost alternatives such as deferred payment agreements with the council.