Later Life Equity

Later Life Equity Later Life Equity prides themselves on offering fully independent and unbiased solutions from the wh

Your equity release plan is designed to enable you to stay living in your home until you either die, or become unable to...
15/10/2024

Your equity release plan is designed to enable you to stay living in your home until you either die, or become unable to continue living there. If you need to move into long-term care, and don’t have a spouse or partner who is still entitled to live in the property, it will be sold and the amount you borrowed, plus interest, will be paid back to your equity release provider. In these circumstances you will not have to pay any Early Repayment Charges, which can sometimes be payable if you decide to re-arrange your plan with another provider. Your equity release contract will explain how much time will be allowed for you or those acting on your behalf to sell your property. The time allowed is typically between 6 months and 1 year.

For more information, please call 07925010865 or you can call the office on 0800 195 1066 and ask for me, Jeremy.

One of the main drawbacks of a lifetime mortgage is the potential for early repayment charges should you be in the posit...
08/10/2024

One of the main drawbacks of a lifetime mortgage is the potential for early repayment charges should you be in the position to repay the debt early. However, one provider has now decided to remove early repayment charges completely from one of their products, subject to scrutiny of the clients circumstances. If other lenders follow suit then lifetime mortgages will become a much more viable option for many more people.

If you've been putting off looking at as an option, now may be a good time to start looking again. Good news - the rat...
04/10/2024

If you've been putting off looking at as an option, now may be a good time to start looking again. Good news - the rates are beginning to come back down!

Give me a call on 07925010865 so I can help guide you to the perfect deal.

Family matters when it comes to . Taking out equity release is very likely to have an impact on the inheritance you wi...
14/09/2024

Family matters when it comes to . Taking out equity release is very likely to have an impact on the inheritance you will be able to leave your loved ones. This is why I always recommend you discuss your plans with family members before deciding on a course of action. I actively encourage my clients to have a family member present at meetings too. Please be wary of services that do not actively encourage this practise.

For more information please call 0800 195 1066 or call me direct on 07925010865. Feel free to check out my website too; www.laterlifeequity.co.uk

While some equity release customers want to take a lump sum payment, perhaps to cover the cost of home improvements or t...
03/07/2024

While some equity release customers want to take a lump sum payment, perhaps to cover the cost of home improvements or to pass on to children, others may choose to use the money to supplement their pension incomes. It is possible to do this using an option known as drawdown. Drawdown doesn't mean you get a guaranteed income for life as you would with an annuity - the value of your property, among other factors, will limit the total you can take. But you should be able to boost your monthly income over a reasonable period.

Please get in contact, with me Jeremy, on 0800 195 1066 to explore this option in more detail ☎

Equity release can help you re-imagine the potential of your retirement years. I am here to help you get inspired and pr...
25/06/2024

Equity release can help you re-imagine the potential of your retirement years. I am here to help you get inspired and prepared for retirement. Let me help you get a better understanding of what could be available to you by giving me, Jeremy, a call on 07925010865 or through the office on 0800 195 1066 ☎

Not only am I SOLLA accredited but I have also been awarded the Later Life Lending Advice Standard. Advisers who hold th...
20/06/2024

Not only am I SOLLA accredited but I have also been awarded the Later Life Lending Advice Standard. Advisers who hold the LLLAS award can help you to make good decisions by presenting information and choices in a way that is easy to understand.

For more information, please give me a call on 0800 195 1066 or on 07925010865 ☎

Just a little reminder about who the Equity Release Council is and why I am a member. The Equity Release Council represe...
11/06/2024

Just a little reminder about who the Equity Release Council is and why I am a member. The Equity Release Council represents the equity release sector and exists to promote high standards of conduct and practice in the provision of and advice on equity release which have consumer safeguards at its heart.
These standards and safeguards have allowed the sector to grow, giving financial advisers and their customers confidence in the concept, dispelling myths about equity release, and educating people about the potential to access the wealth in their home for a variety of uses.

Responsibilities are pushed as families balance today’s inflationary pressures with the desire to protect and transfer f...
08/05/2024

Responsibilities are pushed as families balance today’s inflationary pressures with the desire to protect and transfer future wealth. This highlights the changing role of a home: no longer just a place to live, but now an asset that can be employed to reduce both today’s financial pressures and the risk of tomorrow’s care costs.

New research from Pure Retirement indicates how middle classes are firmly comfortable in using the equity in their homes...
13/03/2024

New research from Pure Retirement indicates how middle classes are firmly comfortable in using the equity in their homes to support family members through gifting, with 12% of equity released among owners of properties valued between £400,000 and £700,000 in 2023 going towards providing a living inheritance.

If this is something you would like to financially plan for please get in touch on 07925010865 for an informal chat.

According to new research from Pure Retirement, there has been an uptick in activity in applications for lifetime mortga...
06/03/2024

According to new research from Pure Retirement, there has been an uptick in activity in applications for lifetime mortgages from owners of properties from between £250,000 and £399,999 (36% in 2023, up from 35% in 2022). This is beginning to highlight that lifetime mortgages are anything but a product of last resort for those from lower socioeconomic groups, and have instead evolved to become an effective financial planning tool for over-55s from all walks of life.

Give me, Jeremy, a call on 07925010865 for more information.

Yes, it certainly can! Smoking or having some relatively minor medical issues can lead to being able to release more mon...
28/02/2024

Yes, it certainly can! Smoking or having some relatively minor medical issues can lead to being able to release more money from your home – although if you are couple, either both of you, or at least the younger person, may need to be the one which has such ailments, to qualify.

For more information please call 0800 195 1066 or 07925010865 ☎

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