Wim and Dorothy are aged 79 and 75 respectively and they own their own home. They do not have much spare capital to undertake repairs and renovations on their home but intend to sell their home in the next 3 years and move to a residential unit where they will have easy access to care as they age. They believe that their home will gain a better price if they spend about $50 000 on updating their bathroom and kitchen and doing some painting. Consider the proposal of borrowing the funds as a reverse mortgage with no repayments made until they sell their house. What factors do they need to consider in making their decision.