Q: My husband and I are in our 70s. We are managing our day-to-day expenses with our state pensions and my husband’s small pension from his work. We have only a small amount of savings and are worried that we have no funds to fully enjoy our retirement, indulge our grandkids a little bit and to pay for any unforeseen expenses. Our son has suggested we look at lifetime loans as a way of releasing some of the value of our house. Is it complicated and what are our options? Margaret – Galway

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