Specialist mortgage and insurance advice for people over 55
Helping you to protect your income, secure your future and get the home you really want.
Whether it’s higher loans, lower rates or faster decisions, we have a track record of delivering results that save time, effort and money.
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Insurance and Mortgage Planning for Over 55’s
Many people assume that ‘Equity Release’ might be their only option, but this is not always the case.
By making the wrong assumptions or taking the wrong advice, you could risk either not accessing the funds you need to finance your plans or making costly mistakes.
That’s where we come in.
We will listen to what you want to achieve and then compare all of your options which include Lifetime, Retirement Interest Only and Standard mortgages with providers from across the market.
This means that you will have all the information you need to make good decisions about what is best for you.
Resources For Later Life Lending
Monetising Pension Pots for Mortgages
It’s common for people who can access their pension to not take an income from it. This is usually because it doesn’t make financial sense based on considerations like tax, investment return, retirement plans or simply not needing the money. However, when it comes to...
What Are The Options For Later Life Lending?
If later life lending is the right approach, it’s common for people to assume that Equity Release is their only option. In reality, this isn’t the case. There are 3 main options – Standard Mortgage Retirement Interest Only (RIO) Mortgage Lifetime Mortgage / Equity...
Is ‘Equity Release’ a bad idea?
It’s fair to say that the term ‘Equity Release’ tends to be associated with some horror stories from the past. However, this market has evolved and Lifetime Mortgages are now considered a more mainstream and certainly heavily regulated product. There are many more...
Is it Better to Use a Mortgage or My Pension?
This depends on your individual circumstances. We can’t advise on pensions or investments. However, we can work with your Pension Adviser / Wealth Manager to make sure you get the right mortgage advice based on your individual circumstances. Whatever your reason, it’s...
Can I Use My Pension To Take Out a Mortgage?
Yes. Traditionally this was difficult as lenders wouldn’t consider mortgages over a certain age (i.e. 65). However, many will now accept pension income and some have no maximum age. Furthermore, we work with lenders who can translate the value of a pension into an...
Is Later Life Lending The Right Approach?
This is the most important question. Usually this comes down to considering some key points – Your individual circumstances, plans and objectives Considering alternative options (i.e. other assets, scaling down) Loan amount required & purpose Whether a Lump sum,...
Why Consider Later Life Lending?
There are many reasons why you may consider later life lending such as – Being a viable alternative to using other assets Supplementing retirement income Holidays, cars and home improvements Gifting money to family Repaying an interest only mortgage Restructuring...