Providing the best equity release deals since the beginning!
Bannerlarge

National Equity Release Pension Conference

Key advice equity release

  Many people are not aware that it is possible to get money from their homes without having to rent or sell them. This can be done by a procedure known as ‘equity release’ which helps people to get tax-free funds without needing to sell their home. After a person buys a property, the value of the home will hopefully increase over time, although this can be cyclical and currently the property market is at the bottom of this cycle. For key retirement solutions it is important to know all of the financial products available no matter where the housing cycle is at the moment.

Defining Equity

However, when property prices do pick up this additional increase in value is known as 'equity' and a person can borrow money based on this added value. Equity is based on the amount of a loan one has on their home versus the true value of the home. For retirees this often means 100% of their home is paid for and that they have 100% of the equity available to them. After several long years of working to pay off your home, utilising special financial products that can release some of this equity can be helpful to a more comfortable retirement.

Seeking Financial Advice 

The first and most important step is to seek advice from companies that specialize in this kind of arrangement by offering a range of key retirement solutions. One of the common reasons why people seek an equity release is being unable to cater for household maintenance costs. An equity release mortgage gives homeowners access to cash to keep their houses in good condition and thereby maintain their re-saleability.

As economic slowdowns are unavoidable, property owners can use their houses to get finance in order to get them through the tough economic times. An equity release mortgage benefits people who are rich in terms of property equity but actually cash poor when it comes to bank and cash savings. When a homeowner takes up an equity release mortgage they get access to cash which can then be used to carry out many important tasks. This cash is tax free for them and can be used in any way. 

The only possible way for a person to get money from their house was to sell it and rent another one or buy a house of lesser value. This was quite cumbersome and usually didn’t help people to get money in times of emergencies. Also, people may not wish to leave their home as it may carry fond memories for themselves and their children. It is good to know there is a solution that can save you from having to sell away your home when you need a little cash for regular maintenance, daily living, holidays, or to help your children through their difficult times. Speaking with an adviser can help you choose the right equity release for your situation.

Quick Access to Funds and Other Benefits

Equity release enables people quick access to cash during emergencies. The process itself it like any mortgage application. It can take between 6-8 weeks on average for an equity release scheme to complete, this always bear these timescales in mind when ordering goods & services which are to rely on this release of equity.

Another great benefit of equity release is that it can provide a source of income to a person for the rest of their life. Depending on the agreement, a person does not have to pay any money until the last member mentioned in the agreement passes away or moves into long term care. The only other time when a person forfeits the benefit of an equity release agreement is when they decide to permanently move away from the house. In this case the house has to be sold in order to repay the borrowed amount and this is when the equity release company receives their money back with interest.

Setting up Equity Release

There is no "one" solution for equity release. Instead, you have five options to help you. There are four lifetime mortgages and a home reversion plan. Home reversion is not a release of equity in which your home is kept, but rather it is sold in a partial amount so that you do not have a mortgage on the home. 

Lifetime mortgages require repayment at death or move out to a new location. Under this category there are rollover, drawdown, impaired, and interest only lifetime mortgages.

There are many firms specializing in equity release such as Equity Release Supermarket and Compare Equity Release, and most times a person can get free financial advice about borrowing money on their house’s equity. As key retirement solutions go, the equity release helps homeowners without making things more difficult in the end.

The World of Equity Release Mortgages   

One of the biggest commitments you will ever make is in taking out a mortgage and then striving to repay it, eventually reaching the pinnacle of complete home ownership. It is perhaps the biggest investment too from both financial and emotional angles. A lot has changed in recent years within the mortgage industry and the new trends and rules are a result of what happened to the global economy back in 2006. In the United States, things started to spiral downwards and as a result, many markets around the world were largely affected. The house owners could not afford their repayments and financial disasters struck almost everywhere. For older individuals struggling with the loss of their financial retirement plan a necessary change needed to happen in the form of an equity release mortgage.

Financial Hardship 

A lot of people lost their dream homes while some were lucky to manage their finances carefully and re-coup back what had always belonged to them. For those who were savvy enough there was another answer to make the financial strain lessen just a bit. People who knew about the equity release mortgage and how it could work in their favour could find their ground. For the over 55's an equity release is one of the options they used. Today, you can apply for an equity release whenever you need, as long as you know that you have taken specialist equity release advice and it’s for the right reasons.

There are always specific details that will determine if a financial option is in your favour and available to you:

• You must be at least 55 to take out a lifetime mortgage.

• You must qualify for this type of mortgage based on personal information and house valuation of greater than £70,000.

• You own your own home & it’s your main residence

• You have no mortgage, or if you do this can be repaid from the equity release proceeds

The financial world can always be a tricky place and situations do arise as they always did. The basic principle here is that any home equity loans permits you to use your equity value in the property by using it as collateral. This is a quick way to get the money you may need. In reality, it works more as a personal loan than anything else. The golden rule or the key rule here is to know your long term investment and financial plans because lack of planning can cause some serious trouble at a later stage. 

You are also better off speaking to your independent mortgage adviser in the first instance to ascertain how much you are eligible for. This is important as the mortgage needs to be arranged in order for you to stay on track with your budget and finances. The younger you are the less you want to use of your equity right away. Saving it and using it over the long term can be a much better use of your retirement funds. 

Equity release mortgage loans have gained a lot of momentum and popularity in recent years. You can either get the whole money as a lump sum or in monthly instalments, namely by drawdown. This depends largely on the availability of the lifetime mortgage lenders. 

The Types of Lifetime Mortgages

• Lump sum or roll-up mortgages are the type to pay out in one tax-free lump sum of capital, while compounding the interest until the loan is paid off in full. 

• Drawdown mortgages allow you to take money out of an account as you need it with an initial, smaller lump sum. The interest only adds onto the funds you use and not what is actually available to you. You can then withdraw smaller sums, as low as £1000 at time, as & when circumstances require.

• Interest only lifetime mortgages allow you to pay off the interest of the loan, so all you need to pay back when you move out or at death is the principle loan amount. This is the most affordable in terms of interest as it is paid each month. A key retirement solution is to have disposable income that can make the payment.

• Illness lifetime mortgages work for those who have a serious, life threatening illness that could end your life early, in which case you need more funds right away with a shorter repayment period. These are typically known as enhanced lifetime mortgages and provide a greater lump sum than standard equity release schemes.

It is highly recommended that equity release is used as a last resort once all other options have been eliminated such as downsizing, using any savings and asking your children for financial assistance. Also, bear in mind plans start at age 55, hence the younger you commence an equity release mortgage there is more inherent risk due to the fact it has more time to run based on average life expectancy, resulting in a potentially larger balance at the end of the day.

These are lifetime mortgage & home reversion plans. To understand the risks involved, always ask for a personalized illustration.

Equity Release Mortgages in Poor Health   

There is one way in which the poor health of pensioners can be beneficial to them – equity release. Equity release schemes allow retired homeowners to release cash from their properties. More commonly, equity release mortgages are starting to take into account the medical condition of the person (or persons) applying for the mortgage to determine how much money they can take out of their properties. These enhanced lifetime mortgages are also commonly known as impaired life equity release schemes.

Many equity release providers including Aviva, Just Retirement, More2life and Partnership realize that pensioners with poor health have different needs than pensioners with good health and will therefore need more money to sustain their needs and to enjoy their lives with their family and friends while they are physically still able to do so.

The general rule is that the worse the health of homeowners, the more money they will be able to take out of their properties. Common health issues that are taken into consideration and that might result in a homeowners qualifying for more money include: smoking, diabetes, stroke, angina, cancer, heart attacks and Parkinson's disease or even just a minor issue such as being on medication. 

In most cases, pensioners are not required to pay the monthly interest but instead it is allowed to be rolled up until the mortgage has been repaid. In most cases, the mortgage is repaid when the homeowner dies or moves into a care facility. At this point the house is usually sold to clear the enhanced equity release mortgage.

Most equity release schemes are calculated based on the life expectancy of the person. A impaired life equity release scheme is based on the logic that poor health will have a direct impact on the life expectancy of the person. However if the person lives longer than is expected, there might be a danger in that the initial advance and the accumulated interest might become more than the value of the property. In order to prevent this, many equity release providers place a maximum loan that is allowed to be borrowed based on the age and the health conditions of the borrower. 

Pre-requisites for illness qualifying equity release

• Any equity release plan that is a lifetime mortgage requires the person to be at least 55 years of age. This impaired equity release also requires the same, unless it is a special circumstance. 

• The lender may request information form the applicants GP. No medical would be involved, however to prove a smoker status the lender could request a nicotine test. This would be to prove that more than 10 cigarettes were being smoked per day.

• The basis of the impairment is usually calculated on the younger life as this normally is the person that will live the longest. However, some lenders will look at both cases & make an underwriting decision based on both parties.

• The home needs to be paid in full before all other mortgages or the money with the new equity release must be used to pay the house mortgage off. If a mortgage still remains on the house, then less money is available to be borrowed and the lifetime mortgage has to be paid first. 

A life impaired equity release is helpful in paying off medical bills or making a person's last years of life more comfortable; however, if there is a spouse there are situations that can make this more difficult. The spouse might have to sell the home to repay the debt or the mortgage might be outstanding during the rest of their life too. In most instances lifetime mortgages can be taken out as a couple and the living spouse has the right to remain in the home. Interest accrues during this period making it important to know all the facts before considering lifetime mortgage.

This option is also only one on the market specifically set up for individuals with life threatening illnesses or medical conditions that warrant enhanced terms. Therefore, even though health maybe suffer due to disability, these ailments are not considered necessarily life threatening & therefore do not affect the enhanced terms available. 

Life impaired equity release  

Before taking out this mortgage it might be best to consider if it is the right option based on current research for the health situation a pensioner is in. A younger person may have a chance at a cure from a disease or at least better health management to extend life. Talk to your equity release adviser about the options & potential benefits available due to impairment. Remember these schemes are suitable for those looking for the maximum equity release, or the largest drawdown facility to provide that financial cushion throughout their retirement.

Once all the facts are known about the equity release recommendation, possible outcomes, and the income generated from the lifetime mortgage a decision can be made. It is often helpful for a person to look at all avenues of equity release to understand other options too. The family of the individual looking to take out this mortgage is going to be affected. Making your family a part of the decision is advisable given that they may end up having to help pay for the mortgage due to inheritance loss. 

By having to sell the home, or selling the home with no equity release left, this means your family will not have any inheritance. They may want to be made aware!

With the help of online equity release calculators, pensioners are able to estimate how much money they will be entitled to base on their age and their physical health. Bear in mind that the majority of equity release calculator results do not provide the enhanced lifetime mortgage maximums. They gladly take your details for the standard terms but don’t paint the whole picture. To obtain full results of standard, enhanced & interest only lifetime mortgages then sites such as www.equityreleasecalculator.net are geared towards providing such statistics.

It is always advisable to seek professional financial advice before committing to an equity release scheme like the impaired life equity release plans. There are many factors to account for which without specialist knowledge can leave yourself wide open to making an incorrect & therefore expensive mistake for you & your children. 

Equity Release Mortgage Set Up Costs    

An equity release mortgage is a way for you to raise money against the value of your home, which is basically a loan with no regular repayments. The provider which loans you the money will be paid back when your property is eventually sold. Such equity release schemes can provide you with a lump sum of cash as agreed upon or you can opt for a plan that gives you regular payments for income such as a drawdown lifetime mortgage.

There are two main types of equity release mortgage plans out there that you can choose from. You can either go with a lifetime mortgage or a home reversion plan. A lifetime mortgage is when you take out a loan against the value of your property but you still have 100% ownership of the property. The second option, which is a home reversion plan, is where you sell off part, or all of your home to a home reversion company. With this option you will have to give up part of or full ownership of your property accordingly. 

You want to find an equity release plan that will allow you minimal set up costs but that will give you a maximum pay out. After all, most people want to get the most out of anything they do in life. As it is a long term financial plan, you need to make sure that an equity release is a good option for you. Remember that it is a big commitment and it will also reduce the inheritance you leave behind for your family as your home will be sold to pay the loan. Therefore, the golden rule is to obtain the maximum facility, but only take what you need initially. This will decelerate the roll-up effect of the interest. This method is opposed to taking the full amount immediately & seeing the future balance run away with itself. Always get independent advice on this area as this holds the key retirement solutions to a better inheritance for your beneficiaries.

The plus side is that you will be able to receive money from your home while still living in it and/or there will be money from your home left behind for your family when you pass away if that is the option you choose.

Advantages of Lifetime Mortgages

• You receive tax free money in a lump sum or drawdown future payments.

• You have 4 lifetime mortgage options to choose from.

• The money you use can be on anything from home improvements to holidays.

• You have extra capital/income to live on during a tough situation.

• You still own your home categorically

• There is a protection clause that will not make a negative equity situation if your home loses value, or if the balance ever supersedes the value of the property 

• You can be as young as 55 and take out a lifetime mortgage. 

Disadvantages of Lifetime Mortgages

• Unless you have a life insurance policy designed to cover your home mortgage, you will need to sell your home to repay the loan and its compounded interest.

• Your children may not have an inheritance depending on the amount you borrow and the interest that accrues. 

• The balance s accrues on a compounded interest basis

• They offer poor value for money if property values stagnate or fall

Home Reversion Differs

For home reversion you need to be a minimum of 65 years of age. You also sell a portion of your home, or the entire home. You do not owe any money at the end of your life or the agreement; however, you also do not own your full home. You will live in your home until you decide to move out under a lifetime tenancy agreement which stipulates you do not have to pay rent or ever move out. Your spouse can also continue living in the home if you pass on as long as they are named in the original contract.

Comparing Equity Release Plans

It is clear there are some advantages and disadvantages to both lifetime mortgages and home reversion. In the end you may have to sell your home under both deals. The biggest factor with regard to these options is the payout percentage. Given that you are living rent free under home reversion you typically receive less of a payout for the portion of home sold than you can receive in lifetime mortgage options. 

If you choose drawdown lifetime mortgage you can use a sum of money when you need it by drawing on an account. These are much more flexible than the home reversion; however check out the Bridgewater Secured Escalating Release Plan where regular payments can be received over a number of predetermined years. With a lifetime mortgage you only pay interest for the money you withdraw rather than the entire sum available in terms of interest. This can be easier to live with than selling your entire home due to an unaffordable mortgage payment in the end or selling it before you move on to a new home or pass on.

An equity release mortgage can be a great solution to problems with cash flow later in life. If you are considering taking out an equity release on your home, you definitely want to make sure that you have a lot of advice and support in order to avoid any hidden costs and find the best deal available to you. Consult the Unbiased website or leading equity release brokers such as Equity Release Supermarket to help with making this massively important decision.

The Home Equity Mortgage 

If you are above the age of 55 and are a UK homeowner, you could benefit from a home equity mortgage where you get the money in the form of a monthly payment, lump sum or a combination of both. The good thing is that the money raised through equity release is all yours and what you do with the cash is totally up to you. Moreover, the money is tax-free and you can spend it on anything you like including going on holiday, home improvements, improving your lifestyle and also the chance to clear your mortgage among other financial worries.

Why Consider Equity Mortgages

One of the most popular reasons why people choose equity release is to do home improvements. So for instance, you may want to build a conservatory, fit in a new kitchen, or building an extension among others. This reason in particular makes the home equity mortgage very attractive as you use the money to improve the very space you are living in whilst increasing the property’s value. Retirees desire to continue living in the same kind of comfort as they did while they were still working, which means that doing home improvements allows you to live in luxury in your retirement years.

If you have not already cleared your mortgage, you can use the funds to do so now. Most importantly, you will have more money in your pocket as you will not be making any monthly mortgage payments back to the lender. This will certainly affect your disposable income positively. If you desire to move houses or location, this could also allow you to upsize or move to a quieter location and still be able to take care of the deficit. As most people spend most of their lives working, raising a family and paying bills, a home equity mortgage will allow you to enjoy added luxury, and anyone would want a comfortable retirement anyway.

You can use the money to mitigate your inheritance tax liability. House prices have risen sharply in the recent past, meaning that most homes today fall within the government’s treasury department by the time they pass on. Taking up equity release allows one to reduce the amount of income tax they have to pay.

Lastly, you can use it to help family members pay off their own debts. Limited pensions and the ease to obtain credit means that many people have found themselves debt ridden, or wondering how to pay their regular bills. If you have a family member in such a scenario, you can use the money to help them out and make their lives much more enjoyable.

How Equity Release Works

While you have plenty of reasons to take out the equity release mortgage there are also important factors on how it works that you should learn. 

• The mortgage does not require payments if you choose a lifetime mortgage, unless you choose an interest-only lifetime mortgage. The interest only lifetime mortgage requires you to pay the interest that accrues each month for the term of the mortgage, your life. The balance thus remains constant.

• To repay the mortgage you either have to sell your home or find funds that will cover the entire mortgage amount. This could leave your home in the clutches of a new owner unless your family has the funds to pay off the mortgage in full including the accrued interest. 

• Another repayment option is to have a life insurance policy that covers a mortgage payment in full. 

• There is an APR that accrues for the length of time the mortgage is outstanding even though you are not making payments. 

Based on these caveats it is important that you use any remortgage option wisely. Going on a holiday that is excessively expensive could cost you your home, while helping to pay off other debts or improve your home for a better sale value is a wiser decision.

If you do not like holding a mortgage in your later life, where in particular the balance can be seen to increase on each & every annual mortgage statement you do have an alternative. The alternative is to consider home reversion plans where you sell a portion of your home to a lender and live in it rent free for life. You have money to use, but you do not have to pay anything back in the end. You simply sell the rest of your home. This only works if you are not concerned over losing your home and you are over 65 years of age.

Why Home Equity Works   

Home equity mortgage options ensure you have money to live your life in comfort and there is every chance that you can pay the funds back at the end of your life through insurance or selling the home when you move. They offer peace of mind for those who may have not been fortunate enough, for one reason or another, to save sufficiently for their retirement. Afterall, retirement is a long holiday and doesn’t come cheap!

Equity Release Mortgage Calculator    

Many people are confident in their internet researching skills and feel that they can find the best deals available out there. While this may be true when making a retail purchase, the equity release market is filled with numerous schemes and products which can be a little difficult to compare. Deciding to go ahead with an equity release scheme is a big decision and it is important that you have all the relevant information to enable you to make an informed choice. The equity release mortgage calculator is a useful tool provided by a number of brokers and companies specialising in equity release. It can prove invaluable to those researching equity release and it is imperative that you make use of this free tool before you make any decisions to buy.

There are a number of benefits and reasons why you should use an equity release mortgage calculator before you make any final decisions. These include:

Maximum Equity Release Lumpsum

This is an essential piece of information, which is pivotal in most people's decision to go ahead with equity release. Most forms of equity release mortgage calculator can provide very accurate information about the amount of release which would be available to you. Providing you have supplied accurate information to the calculator, this figure can be relied upon when moving forward. Some people have found that although they have a great deal of equity in their home, their personal circumstances may restrict the amount of equity which could be released. This figure may prove to be insufficient for their needs, which means that they will need to revisit other options. 

Varying Equity Release Schemes

There are a number of different schemes and products offered through equity release. Many people have only researched one particular product range, which may not actually represent the best possible choice for their circumstances. Most independent calculators will search the whole marketplace and provide information related to all schemes. These can usually be divided into three types: Home reversion plans, which allow home owners to sell all or part of their property; Standard lifetime mortgages, which allow customers to borrow against the value of their home but make no repayments until their death when the property is sold to repay the balance; and Drawdown lifetime mortgages, which are similar to standard lifetime mortgages but offer a drawdown facility to request funds rather than an initial lump sum.

Equity Release Facts and Figures

Equity release products will usually compound the interest for the loans. By using an equity release mortgage calculator, you will be provided with the facts and figures including how the compound interest will affect the balance of the loan year on year. Without an understanding of this concept, you will be entering into an equity release scheme blindly. You must understand the full implications equity release can have on your estate and beneficiaries before proceeding. In fact, most specialist brokers and advisers will recommend discussing your decision with your children and family before you make a final commitment to proceed. The figures provided by the calculator allow you to present the information to your family, so that they too understand the implications of your decision.

All equity release schemes are designed to allow you to retain the right to live in your home for the remainder of your life or until you move into a facility for long term care. However, the schemes are designed to be in place for the remainder of your life. It can prove costly and penalties may be applied if you change your mind after a plan has been put in place. Therefore it is important that you have received all the information and are confident in your decision. Although your broker or adviser will provide detailed key facts illustrations, advantages and disadvantages, and other paperwork, many people skim over this documentation. However, by using an online equity release mortgage calculator, you will be presented with this information and you can study it at your leisure in the comfort of your own home.

Equity release can provide an excellent solution for a great number of people over the age of fifty-five. However, it is a big decision to make and it is therefore vitally important not to rush in to buy or commit to one particular scheme or product. By taking your time to research your options fully using an online equity release mortgage calculator, you can be assured that when the time comes to make your decision, you are confident that proceeding forward is the right choice for your requirements and particular circumstances.

Get the Best of a Lifetime Mortgage Calculator  

Equity release can provide an excellent solution for a number of home owners with limited income and in need of a cash lump sum. However, the development of the equity release market has meant that there is now an amazing variety of different products and types of lifetime mortgage. Calculators are often provided on company websites to provide examples and figures to make your decisions easier. However, it is important that the calculators you are using offer the information for all your available choices.

Different Types of Equity Release Schemes

There are a number of different equity release products  but a great many of them are types of lifetime mortgage. Calculators will often quote for lifetime mortgages but may not offer the alternatives. There are three basic types of equity release:

Home reversion plans: These are plans which allow a home owner to sell all or part of their home to the home reversion company while retaining the right for lifetime tenancy. This type of plan is usually only available to those aged over sixty-five and are considered to be a more suitable alternative for those who want more control over what equity will be left for their beneficiaries.

Standard lifetime mortgage: This is one of the most common types of lifetime mortgage. Calculators will often use these types of schemes as the default product for equity release. It is similar to a conventional repayment mortgage in that you can borrow a certain percentage of the value of your home but unlike a conventional mortgage there is no monthly repayment, so there are no restrictions on your income. Instead of the interest being paid off each month, it accumulates and is compounded onto the mortgage balance. The total balance is only due for repayment at the end of your life or if you move into a facility of long term care. At this time your property is sold and the proceeds are used to settle the balance. Any remaining funds are then passed on to your beneficiaries.

Drawdown lifetime mortgage: This is similar to a standard lifetime mortgage and works in much the same way with one exception. Instead of providing a lump sum, it creates a drawdown facility, which you can call upon as and when you are in need of cash. This can be beneficial as you will only pay interest on the money already taken and it can be helpful for those who are worried about the impact a large lump sum may have on their eligibility for means tested state assistance.

Enhanced lifetime mortgages: With these types of lifetime mortgage, calculators will factor in your current medical health. Those who are suffering from a medical condition which may impair their life expectancy are offered a higher percentage of equity release than those of the same age but in good health. 

Making the Most of Your Lifetime Mortgage Calculators  

Check the type of calculator: In order to ensure that you have considered all your options, it is important to check you are using a calculator which offers different types of lifetime mortgage and equity release plans. There are a number of independent brokers who offer a free calculator and cover a full range of different equity release products. These types of calculator will often automatically verify that you meet the relevant criteria and provide details of plans which would be best suited to your needs. 

Use more than one calculator: These tools are very useful and offered for free with no commitment. It is important to take advantage of this convenience and ensure you use more than one calculator. Ideally, to gain a good perspective on the market, you should use at least three to five different calculators.

Ensure your details are correct: The calculators use mathematical information and have no checks for accuracy. Therefore you must ensure that your details are correct. It is worth taking the time to obtain a new statement from your mortgage provider with an up to date balance, and use website tools to obtain a property value based on houses which have recently sold in your area. 

If you are considering equity release, it is important to make the most of lifetime mortgage calculators. They can provide great information about the types of lifetime mortgage. Calculators can also supply the figures of plans which could suit your needs to enable you to make informed decisions. Although you will need to consult a professional adviser for your application, you can assure yourself of your decision to proceed further just with the information supplied by the calculator alone. 


Your life is about to get better..

  • Equity Release Plans Online
  • An Easier Retirement
  • Various Equity Release Solutions for Pensioners
  • Discover the bounty that lies beneath equity release
  • A Brief History on the Growth of Equity Release
  • Brighten up your financial portfolio with equity release
  • Why property owners should request an equity release guide
  • Get True Value from your Investment
  • Can I get an online equity release quote?
  • Make your home sparkle today
  • How Drawdown Equity Release Schemes Can Help Your Building Project
  • Evaluate Different Equity Release Plans Before You Invest In Any
  • Equity release tips for the financially savvy
  • Different types of annuity
  • Understanding the Costs of Care for the Elderly in Their Own Home
  • Assessing your ability to pay for Long Term Care
  • Charitable Funding for UK Care Fees
  • How Care Fees Can be Affected by Rules Governing Deprivation of Capital
  • Where can Carers Turn for Help in Providing Long Term Care for the Elderly?
  • Paying for Your Long Term Care in Scotland
  • The Provision of Elderly Care
  • Legal Reassurance for Those in Elderly Care
  • Government Proposal to Secure Long Term Care Fees on Your Home
  • How The Dilnot Report Affects Long Term Care
  • Can You Reclaim the Cost of Residential Care?
  • The Regulation of Long Term Care Homes
  • Is the Government Finally Going to Change Legislation on Elderly Care?
  • Home loans to help pay for elderly Long Term Care
  • Deadline Looming to Reclaim Entitlement to Care Home Fees
  • Is the Social Care Insurance Scheme the answer to care costs?
  • The Purchase of a Care Plan can Help Protect your Beneficiaries
  • Financial and Elderly Care Assessments
  • How Your Home is Affected by the 12 Week Property Disregard
  • Local Authority View on Deliberate Deprivation of Assets
  • Point of Care Long Term Care Annuities
  • Pre Funded Long Term Care Insurance Products
  • Using Investments to Pay for Residential Care
  • Long Term Dementia Care
  • Using Your Property to Pay for Elderly Care
  • How to Survive Being a Carer for the Elderly
  • What are the typical costs for providing Care for the elderly
  • Interest Only Lifetime Mortgage
  • Home Reversion Plan Calculator Your most important tool
  • The Lifetime Mortgage Explained
  • Your Annuity Options in Retirement
  • How Poor Health Can Enhance Your Lifetime Mortgage
  • With the enhanced lifetime mortgage, poor health is your advantage
  • Use An Impaired Equity Release Calculator Today
  • Who are the Best Annuity Providers?
  • How Can Your Lifestyle Impact on Your Annuity Rate?
  • Do You Qualify for an Enhanced Annuity?
  • Alternative Annuities: Are They More Flexible for Income in Retirement?
  • Questions to Ask Yourself Before Committing to Purchase Your Annuity
  • Equity Release in the UK Property Market
  • Where do I Find the Right Equity Release Schemes for my Parents?
  • Equity Release Calculator
  • What is the Role of the Equity Release Solicitor and Do They Offer Advice?
  • Annuity Products Guide
  • Choosing the Right Equity Release Scheme
  • An Equity Release Calculator Can be so Helpful
  • When Ill-Health Can Prove an Advantage
  • Basics of buying an Annuity.
  • Can I Remortgage My Old Equity Release Scheme?
  • Raising Standards of Advice in the Lifetime Mortgage Market
  • If Looking Towards Retirement Finance an Equity Release Calculator Might Present a Solution
  • How Long Does an Equity Release Application Take from Start to Finish?
  • The Alternatives to Releasing Equity
  • Advice on Which Equity Release Schemes Have No Early Repayment Charges
  • Retirement Home Plan Reviews Help Understand Lifetime Interest Mortgage
  • Accurate Equity Release Calculator
  • What is a Drawdown Equity Release Scheme and What are its Advantages?
  • What are the Advantages and Disadvantages of the Stonehaven Interest Select Lifetime Mortgage Plan?
  • Does a Buy to Let Interest Only Mortgage Still Need a Repayment Vehicle?
  • What are My Interest Only Lifetime Mortgage Options on Reaching Retirement?
  • Can Interest Only Mortgages Survive the Recent Cull Delivered by the FCA and Mortgage Providers?
  • Should I Choose a Fixed or Tracker Interest Rate on My Equity Release Plan?
  • Where Can I Find Information on Halifax Retirement Mortgages
  • What Are the Lowest Equity Release Interest Rates
  • How Can Equity Release Mortgages Help with Debt Management Plans
  • Do I Have to Sell My Property to Take Out an Equity Release Plan
  • Life Mortgages Equity Release Home Reversion Market Needed
  • What are the Key Retirement Solutions to a Successful Retirement
  • How Can the Retirement Mortgages and Equity Release Schemes Help the Baby Boomer Generation
  • Why Do Equity Release Companies Value Houses Lower than they are Really Worth?
  • Benefits of Using an Online Lifetime Mortgage Calculator
  • Handling the Legal Affairs of an Equity Release Application
  • Knowing the True Value of Equity Release in Your House
  • How to Calculate Compound Interest
  • How Long Does a Typical Equity Release Application Take
  • Hodge Shared Growth Option Revealed
  • The Differences Between Lifetime Mortgage and Drawdown Lifetime Mortgages
  • How Does the Stonehaven Interest Only Lifetime Mortgage Differ from Equity Release?
  • The dangers that are Associated with a Drawdown Lifetime Mortgage
  • Fresh Competition From Hodge Lifetime in the Interest Only Lifetime Mortgage
  • Companies Offering Attractive Equity Release Products
  • Can the Man From the Pru Offer Equity Release to the Over 60s
  • Choosing Your Equity Release Mortgage
  • Are More Lenders Offering Interest Only Lifetime Mortgages?
  • How Do Retirement Mortgage Lenders Calculate How Much You Can Borrow?
  • Why are Mortgage Lenders Still Risk Averse?
  • How Stonehaven Helps You to Fund the Education of Your Children
  • How Do I Calculate Whether I Can Borrow Extra Cash From My Prudential Equity Release Plan?
  • All you Need to Know about Home Reversion Plans
  • Determining How Much Money can be Obtained from Home Reversion Plans
  • Is Home Reversion Becoming a Dinosaur?
  • The Value of Equity Release Calculators
  • Using a Lifetime Mortgage or Equity Release Calculator
  • What to Know when Choosing Best Equity Release Interest Rates
  • Equity Release Solicitors are Needed to Complete the Equity Release Process
  • Legal Viewpoint of the Lifetime Mortgage Application Process
  • Just 5 of the Ways to Show how Highly Protected the Equity Release Marketplace Now is
  • Necessarily Come With the Lowest Interest Rate?
  • Equity Release - a Guaranteed Source of Income
  • Keep up to date with important Equity Release News
  • The Most Frequently Asked Questions Surrounding Equity Release
  • All You Need To Know About Equity Release Schemes
  • Getting Guidance on the Best Equity Release Provider Scheme
  • Take a Closer Look at Home Reversion Schemes
  • What is the Formula to Calculate the Maximum Equity Release?
  • Choosing the Best Equity Release
  • All about Equity Release Schemes
  • Business Needs to Take Note of the New Equity Release Schemes in Town
  • Protecting Your Inheritance with an Interest Only Equity Release Scheme
  • Equity Release Schemes - Key Retirement Solutions
  • Debt Consolidation Using Equity Release Schemes
  • Determining Which Equity Release Plan is the Right One
  • How to Determine the Best Equity Release Schemes
  • What Are The Typical Costs to Set Up an Equity Release Mortgage?
  • How does SHIP (Safe Home Income Plans) Provide Protection to Equity Release Customers?
  • What are the Benefits of Taking Out Life Cover on an Interest Only Lifetime Mortgage?
  • Life Insurance protect the Retirement Home Plan Interest Only Lifetime Mortgage
  • Understanding Some Important Facts About Halifax Equity Release
  • The Benefits of Having a Mortgage in Retirement
  • What Do Mortgage Lenders Mean By Interest Only?
  • The Financial Conduct Authority¬ís (FCA) Mortgage Crackdown on Interest Only
  • What is an Interest Only Mortgage?
  • Finding the Best Home Reversion Schemes for You
  • Why Have Home Reversion Plans Become So Unpopular?
  • Can Home Reversion Plans Keep Up With the Modern Day Lifetime Mortgage?
  • Why You Should Consider Equity Release Schemes
  • Financing Home Improvements with Equity Release Schemes
  • Know More about Equity Release Schemes
  • An Introduction to Stonehaven Equity Release Schemes
  • Home Reversion Plans - A Release of Equity
  • Advantages of Remortgaging Your Old Equity Release Plan
  • An Equity Release Loan Can Pay Your Bills
  • What is Equity Release: Understanding the Basics
  • What is the Maximum Equity Release I Can Raise?
  • Can Loans and Regular Commitments Affect Equity Release Borrowings?
  • Why Prudential Equity Release Remains a Lifetime Mortgage Lender
  • Using an Equity Release Calculator
  • How Much Equity Can Be Released with a Lifetime Mortgage
  • The Virtues of Using a Lifetime Mortgage Calculator
  • How an Equity Release Calculator Can Speed Matters Up
  • Use an Equity Release Calculator UK for Quick Results
  • Calculating How Much Money You Can Obtain from an Equity Release Plan
  • Determine Your Cash Amount with an Equity Release Calculator
  • Equity Release Compound Interest Calculator
  • How Equity Release Calculators can Help You to Determine if You Can Afford a Property
  • Upon Down Valuation: You Will Need to Revisit Your Equity Release Calculations
  • How to Figure Out the Equity Release Value Available to You
  • Calculating the Maximum Equity Release Amount Possible
  • Increase Your Knowledge with a Lifetime Mortgage Calculator
  • Calculate the Maximum Release of Equity From Your Home
  • Why an Equity Release Calculator is Important
  • Interest Only Mortgages Basics
  • How Does the Halifax Retirement Home Plan Mortgage Work in Practise?
  • Plan Ahead for Your Retirement with a Halifax Equity Release Scheme
  • Halifax Retirement Home Plan: An Equity Release Scheme to Safeguard Your Future
  • Equity Release Mortgages Boosted By Poor Health
  • You Have the Capacity to Switch and Remortgage Equity Release Schemes
  • The Virtues of Stonehaven Equity Release Plans Currently Available
  • Stonehaven Interest Select Scheme Allows Pensioners in Manchester to Purchase a House
  • Equity Release Schemes
  • Benefits of an Equity Release Mortgage
  • Two Different Sides to an Equity Release Mortgage
  • Your Guide to Equity Release Mortgage
  • A Unique Lifetime Mortgage from Stonehaven
  • Stonehaven Requires Some Form of Property Insurance
  • Are Stonehaven the Only Company Offering a Retirement Mortgage Plan?
  • The Concept of Equity Release Schemes
  • The more2life Interest Choice Plan Can Help Your Children in More Ways Than One
  • Interest Only Lifetime Mortgage Plans
  • Is the Halifax Retirement Home Plan Still Available?
  • Interest Only Lifetime Mortgage Schemes
  • Retirement Magazines Offer a Wealth of Information on Equity Release Schemes
  • How Equity Release Schemes Help Over 55s Improve Their Homes
  • Statistics Show that Equity Release Schemes are Here to Stay
  • Variety Required for Equity Release Schemes to Find the Key to Market Success
  • Basic Understanding of Equity Release Schemes
  • Equity Release Schemes - Introduction to the Various Types
  • The Information Superhighway Now Empowers Equity Release Plans
  • Make the Most of a Lifetime Mortgage Calculator
  • The Enduring Popularity of Compound Interest
  • Use an Equity Release Mortgage Calculator Before You Buy
  • Benefits of an Equity Release Mortgage
  • The Home Equity Mortgage is Coming to Town
  • Equity Release Mortgage Set Up Costs
  • Equity Release Mortgages Boosted by Poor Health
  • The World of Equity Release Mortgages
  • Two Different Sides to an Equity Release Mortgage
  • Your Guide to an Equity Release Mortgage
  • How Does a Home Equity Mortgage Work?
  • Equity Release Loans can Consolidate Your Debts
  • Find the latest Lifetime Mortgage Deals
  • The Best Equity Release Deals are Just One Click Away
  • Lifetime Mortgage Deals
  • Getting the Real Deal on Equity Release
  • Sourcing the Best Equity Release Deals
  • Youre on to a Winner With the Latest Equity Release Deals
  • Interest Only Mortgages for Individuals Over 55
  • Paying Off a Current Mortgage with an Interest Only Mortgage
  • Equity Release Mortgage Set Up Costs
  • Benefiting From an Interest Only Mortgage After Age 60
  • What is an Interest Only Mortgage?
  • A Look at Interest Only Mortgages
  • The pros and cons of an Interest Only Lifetime Mortgage
  • What Options Do I Have to Pay off an Interest Only Mortgage?
  • Interest Only Mortgages Help Us Finance Our Housing Dream
  • Why Arent More People Considering a Pensioner Mortgage?
  • Threat for Pension Mortgage Holders
  • Do Halifax Still Offer Mortgages for People in Retirement
  • Why Retirement Mortgages Look Good for the Future
  • The Difficulties of Obtaining a Mortgage in Retirement
  • Mortgage in Retirement
  • Can a Pensioner Still Get a Retirement Mortgage?
  • How to Find a Mortgage for Someone Aged 60 Plus
  • Where Can I Obtain a Pensioner Mortgage to Help Purchase My New Retirement Home?
  • Factors to Consider before Taking a Mortgage into Retirement
  • The Scary Term: Mortgage in Retirement!
  • Surely I Cannot Have a Mortgage in Retirement?
  • The Value in Mortgages for Pensioners
  • Market Review of the Stonehaven Interest Select Lite Plan
  • Consider an Interest-only Lifetime Mortgage
  • A Lifetime Mortgage for Retirement
  • Interest Only Lifetime Mortgage Inheritance Protection
  • Understanding a Lifetime Mortgage or also known as a Reverse Mortgage
  • All Lifetime Mortgages Explained
  • Releasing Equity for Mobility with Lifetime Mortgages
  • The Definition and Types of Lifetime Mortgages
  • Lifetime Mortgage Explained
  • Dont Be Afraid to Ask a Question about Your Lifetime Mortgage!
  • Time for a Lifetime Mortgage Review
  • A Lifetime Mortgage to Release Equity
  • How Your Health Can Affect a Lifetime Mortgage
  • Which is the Best Lifetime Mortgage product?
  • Get the Latest Lifetime Mortgage Rates Now
  • Why Should You Choose an Equity Release Lifetime Mortgage
  • Compare Lifetime Mortgages
  • Equity Release Mortgage
  • Will UK House Prices Fall Because of Brexit?
  • What is a Financial Introducer?
  • Drawdown Equity Release
  • Best equity release interest rates 2.96 with One family Lite Plan
  • Is equity release safe?
  • Buy To Let Second Home Equity Release
  • Equity release for pensioners in retirement
  • Plan for retirement with better rates of Equity Release
  • Equity Release Calculator
  • Compare Equity Release
  • Equity Release rates
  • Compare the equity release market
  • Compare Drawdown Mortgages
  • Equity Release Mortgage providers
  • Compare Home Reversion Mortgages
  • Benefits of equity release
  • Calculate the equity in my home
  • reverse mortgages calculator
  • Best home revision plan with under 3 percent interest rates
  • Legal and General Equity Release
  • Equity Release Advice
  • Lifetime Mortgage
  • Equity Release Schemes
  • Home Equity Release
  • Nationwide Equity Release
  • Releasing equity from your home
  • Age Concern - Equity Release
  • Equity Release Explained
  • Key advice equity release
  • Equity release lifetime mortgage
  • Lifetime Mortgage Providers
  • More to life equity release
  • Lifetime mortgage explained
  • Maximum equity release
  • Equity Release Options
  • Retirement equity release
  • Best equity release plans
  • Equity release deals
  • Optional Payment Lifetime Mortgage
  • Equity Release Funding
  • Elderly Care Costs
  • Equity Release Finance
  • Lifetime Mortgage

    Lifetime Mortgage

    Home Equity Release

    Home Equity Release

    Nationwide Equity Release

    Nationwide Equity Release

    Releasing Equity From Your Home

    Releasing Equity From Your Home

    Age Concern   Equity Release

    Age Concern Equity Release

    Equity Release Explained

    Equity Release Explained

    Key Advice Equity Release

    Key Advice Equity Release

    Equity Release Lifetime Mortgage

    Equity Release Lifetime Mortgage

    Lifetime Mortgage Providers

    Lifetime Mortgage Providers

    More To Life Equity Release

    More To Life Equity Release

    Lifetime Mortgage Explained

    Lifetime Mortgage Explained

    Maximum Equity Release

    Maximum Equity Release


    Contact


    Our clients are satisfied with their new lives!

    National Equity Release Pension Conference, Bath Street, Bakewell, Derbyshire, DE45 1BX.

    You can also contact us by phone , or you can send us a message here: