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If one is to release equity at 54 months, what is the regulations regarding repayment period? If one is male and self-employed can one be forced to go beyond standard retirement age, ie:65

Hi
No, the mortgage company will want to make sure that you have an income to repay any mortgage and if retirement reduces your income they are very unlikely to agree to a mortage that goes beyond this date.
Regards

There are some mortgage companies who will lend beyond 65 so if you have agreed to release equity in your proposal it is possible that you will have to work on. I suppose it depends on what age you are when the IVA starts and whether a fourth year valuation has been included in your proposal as standard.