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So who owns my property?

Traditionally, when couples purchase a property, they do so as ‘Joint Tenants’. When taking out a mortgage, I’m sure that lenders have been happy with that type of arrangement as both clients are then financially liable to ensure the loan or mortgage is repaid. The alternative, ‘Tenants in Common’ has been used where people may [...]

By |December 5th, 2017|News|Comments Off on So who owns my property?

We must not forget the bank of Gran & Grandad!

We regularly hear and see comments about the role of the ‘Bank of Mum and Dad’. This comes as no surprise as many who already retired are now in a position to provide additional funds for their children.  Many are happy to do so as they can see the benefits of the money and the [...]

By |November 23rd, 2017|News, Uncategorized|Comments Off on We must not forget the bank of Gran & Grandad!

Its now time to seek professional advice.

So you have now decided that you want or need some capital and you feel that one option would be to release the money from your home via an Equity Release plan. You have considered the two main types of Equity Release, the Home Reversion and The Lifetime Mortgage and now you want to move [...]

By |November 13th, 2017|News|Comments Off on Its now time to seek professional advice.

So, you have now decided to proceed with an equity release plan. So, what’s next?

When asked initially what they’re looking for from their Equity Release plan, most people will tell us how much money they would like to release along with an indication of what they want the money for. However, for the majority of clients, their main concern is also about ‘getting the best deal’ But what exactly [...]

By |October 18th, 2017|News|Comments Off on So, you have now decided to proceed with an equity release plan. So, what’s next?

Equity Release, the two main options.

Although there a number of ways of raising money on your property, perhaps through arranging a conventional mortgage or through down-sizing, you might want to consider using one of the Equity Release options. These are the Lifetime Mortgage or Home Reversion Plans. So here are a few of the main features of these plans.   [...]

By |October 5th, 2017|News|Comments Off on Equity Release, the two main options.

Equity Release…is this for you?

We’re seeing an increase in the amount information about Equity Release, in Newspapers and advertisements on the TV from providers such as Aviva and Legal & General, but is this something we should be considering, and if it is, where do we go to get the facts? Perhaps there are two places to start. The [...]

By |September 28th, 2017|News|Comments Off on Equity Release…is this for you?

Retirement Freedom Spring 2016 Newsletter

If you’re already aware of Equity Release (which enables you to borrow against the value of your home), then you may also know that this form of borrowing is being increasingly spoken about and viewed as an integral part of the whole retirement planning process. So it’s probably no surprise that 2015 was another record [...]

By |February 23rd, 2016|News|Comments Off on Retirement Freedom Spring 2016 Newsletter

Our client’s response to Andrew Castle’s criticism of equity release

This weekend, The Sunday Times published an article by ex-tennis star Andrew Castle, who criticised 'rip-off' equity release schemes after one cost his elderly relatives £46,000. One of our recent clients has responded to this article, and we share his open letter below discussing his positive experience with Equity Release: Dear Money Editor, You invited comments [...]

By |August 3rd, 2015|News|Comments Off on Our client’s response to Andrew Castle’s criticism of equity release

Myths about Equity Release

Equity release has always drawn mixed reactions with many believing that equity release amounts to tying a financial noose around your neck. However, this is not the case - particularly in the last several years as equity release becomes more and more flexible. Here we de-bunk the top 4 myths: Myth 1. You will have [...]

By |May 29th, 2015|News|Comments Off on Myths about Equity Release

10 reasons to love retirement… with a little help from a lifetime mortgage

#1: You can take time to actually enjoy all the little things in life like taking a walk with your spouse… Walking in the countryside is free however after working up a thirst and burning off those calories what you really need is to stop off at a nice country pub for a few drinks [...]

By |April 15th, 2015|News|0 Comments