Okay so you have looked at your options, and there are many ways of raising more money if you need to when you have reached retirement. Trade down to a smaller property very simple way of releasing cash but can take time depending on the housing market, may be though it’s not an option. What else is there? Equity release or lifetime mortgage, can be great in that you secure a loan against your property but you don’t actually have to make repayments, you are however charged interest which is rolled up into the loan, or you agree to selling a percentage of your house when it is sold. A lifetime mortgage you release money and pay the interest as you would on a normal loan, the only problem being there are not that many lenders that like lending past 75 for example. I dislike the fact that people are treated differently just because they are over 75, may be that is part of getting older I am not there yet so how can I comment.