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Don’t despair, with a good Adviser down-valuations aren’t the end

How could down-valuation affect my equity release? So, the lifetime mortgage lender doesn’t quite agree with the property valuation for your home. Don’t despair, all is definitely not lost, it’s not all doom and gloom just yet. What it does mean however is that you definitely need a really good equity release adviser on your [...]

By |April 11th, 2019|News, Uncategorized|Comments Off on Don’t despair, with a good Adviser down-valuations aren’t the end

Equity Release: 5 myths busted and one about a pineapple

Getting cold doesn’t give you a cold, carrots won’t make you see in the dark and saying ‘pineapple’ to someone doesn’t steal their sneeze (latter myth courtesy of my daughter).  We’re surrounded by myths all the time, mostly entertaining but often quite confusing. And, despite the fact that things have changed a heck of a [...]

By |April 4th, 2019|News|Comments Off on Equity Release: 5 myths busted and one about a pineapple

Equity Release; solving the asset-cash imbalance

Cast your mind back for a moment. The Power of love is blasting from your radio, Madonna is getting into the groove, you’re experiencing that first sense of entertaining depression that can only be Eastenders, Live Aid love is taking the country by storm. Yes, it’s 1985 and the average UK home costs £35,436*. Now, [...]

By |March 28th, 2019|News, Uncategorized|Comments Off on Equity Release; solving the asset-cash imbalance

Equity Release; a handy leg up for first time buyers

Most of us are all too aware of just how difficult it is for youngsters to get their feet on the property ladder these days. And, unfortunately for our children and grandchildren, this doesn’t seem likely to change any time soon. Of course as parents and grandparents we all want to help our loved [...]

By |March 19th, 2019|News|Comments Off on Equity Release; a handy leg up for first time buyers

Equity Release – Your flexible friend

It wasn't long ago that equity release was a small, specialised area of the mortgage arena. To be honest, the equity release industry initially took a while to find its feet. It was some time before products were simple to understand, consumer-friendly, offered seriously attractive tax advantage and were – let's face it – trusted. [...]

By |March 7th, 2019|News|Comments Off on Equity Release – Your flexible friend

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.