Equity Release Hub

25/12/2025

🎄 Merry Christmas from Equity Release Hub 🎄

As the year draws to a close, I’d like to take a moment to thank my clients, professional connections, and partners for their trust, support, and conversations throughout the year.

Christmas is a time for reflection, family, and looking ahead with optimism. If you’re spending time with loved ones and talking about retirement, later-life finances, or plans for the future, know that clear, thoughtful advice can make all the difference.

Wishing you and your families a peaceful Christmas and a healthy, prosperous New Year.

✨ Here’s to 2026 and helping more people make confident, informed financial decisions. ✨

Roshan
Equity Release Hub

27/11/2025

📊 Yesterday’s Budget — What It Really Means for You, Your Family & Your Finances

The latest Budget brought a long list of changes some welcome, some worrying and plenty that could quietly affect your money over the coming years. Here are the main takeaways in plain English:

🔻 Lower growth forecast – The OBR has downgraded expected UK economic growth by 0.3%, which may mean tougher conditions ahead.

💷 Higher taxes by stealth – The freeze on income tax thresholds has been extended for three more years, pulling more people into higher tax bands without headline rises.

🏠 Property hit – A new “mansion tax” means £2,500 extra per year on homes over £2m, rising to £7,500 for properties above £5m.

👨‍👩‍👧 Families get help – The two-child benefit cap is scrapped from April a major boost for larger households.

📉 ISA blow – The cash ISA allowance is cut by £8,000 (except for over-65s), making tax-free savings harder to build.

🚗 Drivers & EV changes – Fuel duty stays frozen until next year, but electric vehicles will face mileage tax from 2028. Large investment is promised for charging infrastructure and grants.

💼 Workers –
• State pension rises by 4.8%
• Minimum wage increases by 4.1%
• Salary-sacrifice pension rules will change in 2029, meaning higher National Insurance bills for some workers

🔥 Bills relief – Average household energy bills to reduce by £150 from April.

🏥 NHS funding boost - £4.9bn promised (after cuts to local authorities).

🎓 Young people - Free training for under-25 apprentices at smaller firms, but student loan thresholds remain frozen.

💸 Investors & savers hit - Higher taxes on dividends and savings income.

⚰️ Inheritance tax change - Allowing full transfer of relief between spouses (a big estate-planning shift).

🎮 Gamblers & online players -Betting and gaming taxes sharply increased.

🔎 Bottom line:
This Budget gives with one hand and takes with the other. Rising wages and pensions are welcome - but stealth taxes, higher savings taxes, and squeezed allowances mean many families could still be worse off.

If you own property, rely on savings income, or are planning retirement, this Budget matters - whether you realise it yet or not.

03/10/2025

📈 More people are using equity release to support their loved ones.

According to Canada Life, the share of later life borrowers gifting money to family has risen from 13% to 22% in just a year.

While home improvements remain the top reason for releasing equity (43%), helping family is now the second most common motivation , with nearly 1 in 5 lifetime mortgages taken out for this purpose.

With equity release lending up 10% year-on-year, it’s clear more homeowners are looking at their property wealth to meet both personal needs and family support.

💭 Would you use your home’s value to help your family now, rather than later?

10/06/2025

One of the best lifetime mortgage products is leaving the market…

Standard Life Home Finance will stop offering new lifetime mortgages from 6 July with its award-winning Horizon range moving to more2life for ongoing servicing.

At Equity Release Hub, we’ve always admired the flexibility and innovation Standard Life brought to the market:

✅ Interest Reward — helping clients reduce costs
✅ Downsizing protection from day one & ERC exemptions on death/care
✅ Drawdown flexibility (minimum release just £500!)
✅ 5-Star Defaqto-rated products

Clients and advisers will feel this loss — Standard Life raised the bar for what a modern lifetime mortgage should offer.

👉 We hope more2life and other lenders continue this spirit of innovation.

👉 What do you think? Will innovation keep moving forward in the equity release market?

Source: https://www.mortgagestrategy.co.uk/news/standard-life-home-finance-exits-lifetime-market-in-more2life-transfer/

Standard Life Home Finance will pull out of the lifetime mortgage market, leaving rival more2life to integrate its Horizon equity release range into its own business. More2life says Horizon loans from 7 July will sit as a separate product offering within its proposition. The Horizon lifetime mortgag...

24/04/2025

Later life mortgage options use to become available after 55 , however you can now apply for some mortgages including lifetime at the age of 50!

14/01/2025

If you are a home buyer /home mover over 55 and looking to boost your deposit, a lifetime mortgage might be able to help you.

14/01/2025

There is NO REQUIREMENT to have a good credit rating to qualify for Equity Release/Lifetime Mortgages!

14/01/2025

Did you know Lifetime Mortgage lenders offer you better terms or higher LTV's if you have medical conditions?