What we do. A guide to our services

Size: px
Start display at page:

Download "What we do. A guide to our services"

Transcription

1 What we do A guide to our services

2 Retirement solutions since 1965 Hodge Lifetime has been a specialist in the retirement market for 50 years. Hodge Lifetime has been a specialist in the retirement market for 50 years. We offer both lifetime mortgages and annuities. These products complement each other well and we have a depth of experience in these fields. With a history of award winning performance we offer products with the right mix of flexibility and price.

3 What do we offer? Equity release An equity release lifetime mortgage can provide a means for those in, or close to retirement to release cash from your home. Amounts released can be used for almost any purpose, and can be a good way of improving your quality of life in later years. We build flexibility into all of our products and offer you features like the option to repay up to 10% per year penalty free and also downsizing protection, meaning that you can sell up, move home and repay your loan early from the proceeds after five years with no early repayment penalties. As a founder and current member of the Equity Release Council, Hodge Lifetime has been at the forefront of the equity release market for 50 years. This is a lifetime mortgage. To understand the features and risks, ask an Independent Financial Advisor for a personalised illustration. The Retirement Mortgage Our Retirement Mortgage is an alternative way of borrowing in retirement if you benefit from a reasonable level of retirement income and can afford to pay monthly interest on your mortgage. This product was designed with flexibility in mind and offers the ability to make overpayments of up to 10% per annum, and no early repayment charges after 5 years. Please note that this lifetime mortgage is outside the scope of the Equity Release Council s SHIP Standards. This is a lifetime mortgage. To understand the features and risks, ask an Independent Financial Advisor for a personalised illustration. Your home may be repossessed if you do not keep up repayments on your mortgage.

4 Pension annuities An annuity offers a guaranteed income in retirement for the rest of your life. Our product is only available under the Open Market Option, which encourages our customers to shop around in order to secure the best possible level of retirement income. From 6 April 2015, new freedoms exist as to how you can access your pension. Before purchasing an annuity, it is important that you understand the implications in light of these new freedoms. If you are unsure how these changes affect you, and your decision to purchase an annuity, you should discuss this with your Independent Financial Advisor before proceeding. How can I apply for a Hodge Lifetime product? See your Independent Financial Adviser. Entering into an equity release plan or an annuity is a long term commitment that can be a good way of improving the quality of life in later years. As it is a long term commitment, it is not a transaction to be considered lightly and it is vital that you get it right. For this reason, Hodge Lifetime does not offer its plans directly to the public. We require that all applicants obtain financial advice from a qualified adviser. If you do not already have an adviser, you can start your search using the website If you wish to undertake some preliminary research and gain a better understanding of the implications of entering into an equity release plan or an annuity, a good starting point is the Money Advice Service.

5 Our Values Our Values We believe that everyone is different and so we operate to an important set of values that have served us well over the years: Simple and straightforward approach We always aim to ensure that our products are fair, and are explained in a clear way. Commitment to service We realise that good service isn t only important when you take out a product. Our long-term products could last for more than 25 years, meaning that we must be there to support you over the lifespan of the product. It's easy to get in touch with us and talk to our friendly, experienced customer services team. Our products are only available through advisers Given the long-term nature of the products we sell, we believe that it is vital that each of our new clients seeks some assistance in understanding fully the implication of entering into one of these plans. More importantly, it means that our products have to compare favourably with the rest of the market, and that they offer value for money.

6 Why choose Hodge Lifetime? Hodge Lifetime launched the first equity release plan in 1965, and is the longest established equity release provider in the UK. We have been annuity provider since 2009 and all of our products are provided by Julian Hodge Bank Limited. You can learn more about our products by visiting our website where a number of documents are available to our customers to read or to download. Over the last 20 years, some 270,000 households have benefitted from equity release, raising over 12 billion in the process. More and more people now consider equity release as part of their financial planning for a secure and happy retirement. Hodge Lifetime offer competitive standard annuity rates meaning that we can pay some of the highest levels of income for your chosen annuity options. We are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority. See your Independent Financial Adviser to apply for one of our products. For all other enquiries please contact: Hodge Lifetime 29 Windsor Place Cardiff CF10 3BZ Tel: Fax: info@hodgelifetime.com Hodge Lifetime is a trading name of Julian Hodge Bank Limited (Registered in England No ) and Hodge Life Assurance Company Limited (Registered in England No ) which are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Both companies are registered in England and Wales at 31 Windsor Place, Cardiff CF10 3UR.

A Guide to Equity Release in Retirement

A Guide to Equity Release in Retirement A Guide to Equity Release in Retirement 1. Introduction For the retirement you deserve 2. What is Equity Release? 3. Equity Release Plans The options available to you 4. The Application Process 5. Questions

More information

Retirement Mortgage Product summary

Retirement Mortgage Product summary Retirement Mortgage Product summary The Retirement Mortgage from Hodge Lifetime provides you with a flexible way to borrow money in retirement. A legal charge is secured on your home. AIMS The Retirement

More information

Lump Sum Lifetime Mortgage Product Summary

Lump Sum Lifetime Mortgage Product Summary Lump Sum Lifetime Mortgage Product Summary This document is intended to provide you with an introduction to our Lump Sum Lifetime Mortgage. Aims The lump sum lifetime mortgage provides you with a cash

More information

Flexible Lifetime Mortgage Product Summary

Flexible Lifetime Mortgage Product Summary Flexible Lifetime Mortgage Product Summary The Flexible Lifetime Mortgage provides you with an initial cash sum in the form of a mortgage loan. A legal charge is secured on your home. For as long as you

More information

Criteria and Affordability Guide. 55+ Mortgage Retirement Mortgage

Criteria and Affordability Guide. 55+ Mortgage Retirement Mortgage Criteria and Affordability Guide 55+ Mortgage Retirement Mortgage FOR INTERMEDIARY USE ONLY 1. Loan Criteria Type of mortgage Standard residential mortgage Lifetime mortgage (equity release adviser qualification

More information

Equity Release Guide. Helping you make the right decision. nationwide service all lenders available personal visits. www.therightequityrelease.co.

Equity Release Guide. Helping you make the right decision. nationwide service all lenders available personal visits. www.therightequityrelease.co. Equity Release Guide 0800 612 5749 www.therightequityrelease.co.uk Helping you make the right decision nationwide service all lenders available personal visits 1 Welcome to The Right Equity Release Who

More information

LEGAL & GENERAL HOME FINANCE. Guide to Lifetime Mortgages

LEGAL & GENERAL HOME FINANCE. Guide to Lifetime Mortgages LEGAL & GENERAL HOME FINANCE Guide to Lifetime Mortgages A lifetime mortgage could give you the freedom to really enjoy your retirement. We re delighted you re finding out more about lifetime mortgages.

More information

Lump Sum Lifetime Mortgage Application

Lump Sum Lifetime Mortgage Application Lump Sum Lifetime Mortgage Application 1. QUOTE DETAILS / LOAN AMOUNT Quotation reference on which you wish to proceed Q This must be completed Loan amount required 2. FIRST APPLICANT Full name including

More information

Roll-up Lifetime Mortgage Lump Sum Plus Lifetime Mortgage

Roll-up Lifetime Mortgage Lump Sum Plus Lifetime Mortgage Lifetime Mortgages Roll-up Lifetime Mortgage Lump Sum Plus Lifetime Mortgage Using the value in your home for a better retirement Just Retirement s Lifetime Mortgages Who are we? Just Retirement Limited

More information

Equity Release. A guide to our Lifetime Mortgage products

Equity Release. A guide to our Lifetime Mortgage products Equity Release A guide to our Lifetime Mortgage products Introducing Retirement Advantage Previously known as MGM Advantage and Stonehaven, we are a well-established company that can trace its roots back

More information

Welcome to. OneFamily

Welcome to. OneFamily OneFamily Lifetime Mortgages 1 Welcome to OneFamily Welcome to our OneFamily Lifetime Mortgages. This brochure acts as an easyto-digest introduction to lifetime mortgages and provides you with a summary

More information

Welfare Benefits for the Elderly 2008 2009. in association with Ferret Information Systems Ltd. Release your potential

Welfare Benefits for the Elderly 2008 2009. in association with Ferret Information Systems Ltd. Release your potential Welfare Benefits for the Elderly 2008 2009 in association with Ferret Information Systems Ltd Release your potential Welfare Benefits for the Elderly 2008 2009 This useful note of benefit rates can help

More information

Your Guide to Equity Release

Your Guide to Equity Release Equity release has enabled me to go on more holidays, purchase a new car and make some major household purchases. The service provided met our financial needs in an efficient and helpful way. John, Sutton

More information

Retirement. Providing solutions for your future

Retirement. Providing solutions for your future Retirement Providing solutions for your future ,,,, We firmly believe that retirement is a time to enjoy the rewards of your lifes hard work and having access to the funds to turn your ideas and dreams

More information

LEGAL & GENERAL HOME FINANCE. Guide to Lifetime Mortgages

LEGAL & GENERAL HOME FINANCE. Guide to Lifetime Mortgages LEGAL & GENERAL HOME FINANCE Guide to Lifetime Mortgages A lifetime mortgage could give you the freedom to really enjoy your retirement. We re delighted you re finding out more about lifetime mortgages.

More information

Lump Sum Lifetime Mortgage Terms and Conditions. Version 1

Lump Sum Lifetime Mortgage Terms and Conditions. Version 1 Lump Sum Lifetime Mortgage Terms and Conditions Version 1 INTRODUCTION Thank you for choosing Hodge Lifetime. We hope that your lifetime mortgage makes a positive difference during your retirement. This

More information

Use your home to your advantage. A guide to equity release

Use your home to your advantage. A guide to equity release Use your home to your advantage A guide to equity release 2 A guide to equity release Introducing Retirement Advantage Previously known as MGM Advantage and Stonehaven, we are a wellestablished company

More information

The Saga Guide to Paying for Care

The Saga Guide to Paying for Care The Saga Guide to Paying for Care Welcome An active and secure retirement is something we like to think we re all entitled to and we find it hard to imagine a time beyond that, when we may need care from

More information

Guaranteed Pension Annuity Policy Terms & Conditions

Guaranteed Pension Annuity Policy Terms & Conditions Guaranteed Pension Annuity Policy Terms & Conditions Thank you for choosing Hodge Lifetime for your retirement income. This document sets out the Policy Terms and Conditions that apply to all policyholders.

More information

WHAT IS EQUITY RELEASE? WHY CONSIDER EQUITY RELEASE?

WHAT IS EQUITY RELEASE? WHY CONSIDER EQUITY RELEASE? WHAT IS EQUITY RELEASE? Equity Release can free some of the capital tied up in your home, while you continue to live there. This money can be in the form of a tax-free lump sum, a regular income or a combination

More information

KEY FEATURES OF LEGAL & GENERAL S PENSION ANNUITY.

KEY FEATURES OF LEGAL & GENERAL S PENSION ANNUITY. PENSION ANNUITIES KEY FEATURES OF LEGAL & GENERAL S PENSION ANNUITY. HELPING YOU MAKE THE RIGHT DECISIONS FOR YOUR FUTURE This is an important document that you should keep in a safe place. 02 KEY FEATURES

More information

S U C C E S S F U L F U T U R E S T H R O U G H S E C U R E D F U N D I N G

S U C C E S S F U L F U T U R E S T H R O U G H S E C U R E D F U N D I N G S U C C E S S F U L F U T U R E S T H R O U G H S E C U R E D F U N D I N G Shawbrook is a British savings and lending bank that combines traditional banking values with a modern approach. We give our

More information

Key Features of our Guaranteed Pension Annuity. Guaranteed Pension Annuity

Key Features of our Guaranteed Pension Annuity. Guaranteed Pension Annuity Key Features of our Guaranteed Pension Annuity The Financial Conduct Authority is a financial services regulator. It requires us, Hodge Lifetime, to give you this important information to help you decide

More information

Release your equity tied up in your home Equity Release

Release your equity tied up in your home Equity Release Golden Age Equity brochure 14/8/07 14:58 Page 1 Because it,s your life Totally independent professional advice: Release your equity tied up in your home Equity Release Retirement planning Financial planning

More information

We provide a truly personal service

We provide a truly personal service We provide a truly personal service Welcome C. Hoare & Co. is a bank which is proud of its heritage but focused on the future. We combine the traditional values of prudence and integrity with thoroughly

More information

Chadwick s. Equity Release

Chadwick s. Equity Release c Independent Chadwick s Financial Advisers Equity Release Contents Chadwick s IFA Page 4 Equity Release Page 5 Lifetime Mortgages Page 6 Home Reversion Schemes Page 7 Considerations Pages 8&9 Safe Guards

More information

KEY FEATURES OF LEGAL & GENERAL S PENSION ANNUITY.

KEY FEATURES OF LEGAL & GENERAL S PENSION ANNUITY. PENSION ANNUITIES KEY FEATURES OF LEGAL & GENERAL S PENSION ANNUITY. HELPING YOU MAKE THE RIGHT DECISIONS FOR YOUR FUTURE This is an important document that you should keep in a safe place. 02 KEY FEATURES

More information

PHOENIX LIFE ASSURANCE LIMITED LONDON LIFE WITH-PROFITS FUND FORMER LONDON LIFE AMP (UK) WITH-PROFITS PENSION POLICIES

PHOENIX LIFE ASSURANCE LIMITED LONDON LIFE WITH-PROFITS FUND FORMER LONDON LIFE AMP (UK) WITH-PROFITS PENSION POLICIES With-profits policy performance your questions answered January 2015 PHOENIX LIFE ASSURANCE LIMITED LONDON LIFE WITH-PROFITS FUND FORMER LONDON LIFE AMP (UK) WITH-PROFITS PENSION POLICIES The aim of this

More information

Your Guide to Equity Release

Your Guide to Equity Release Equity release has provided me with financial stability. I now have the opportunity to help my family, go on holiday, and make some home improvements. Mr W, East Sussex Your Guide to Equity Release Contents

More information

Saga Equity Release Advice Guide

Saga Equity Release Advice Guide Your guide to Equity Release Expert advice with no obligation Your introduction to equity release Your retirement should give you the freedom to do all the things in life you haven t had time for. However,

More information

Open Market Option Application Form

Open Market Option Application Form Guaranteed Pension Annuity Open Market Option Application Form 1. QUOTE DETAILS Quote reference Official use only Application Number 2. YOUR PERSONAL DETAILS (THE ANNUITANT) Full name including title (Please

More information

Guide to Retirement Planning 2014/15

Guide to Retirement Planning 2014/15 Guide to Retirement Planning 2014/15 Retirement isn t what it used to be. In many ways it is better: people are living longer and enjoying healthier and more active retirement years. On the financial side,

More information

The Saga Guide to Paying for Care

The Saga Guide to Paying for Care The Saga Guide to Paying for Care Welcome An active and secure retirement is something we like to think we re all entitled to and we find it hard to imagine a time beyond that, when we may need care from

More information

Talk to us first... Equity Release. Mortgages & Finance. Investments, Pensions & Personal Protection

Talk to us first... Equity Release. Mortgages & Finance. Investments, Pensions & Personal Protection Talk to us first... Mortgages & Finance Equity Release Investments, Pensions & Personal Protection Why talk to? As Independent Financial Advisers we will work closely with you to help plan your finances

More information

Will your investment or savings plan pay off your mortgage? why you need to review your investment or savings plan regularly;

Will your investment or savings plan pay off your mortgage? why you need to review your investment or savings plan regularly; April 2006 FSA Factsheet Will your investment or savings plan pay off your mortgage? Financial Services Authority This factsheet is for you if: you are using an investment or savings plan such as an endowment

More information

Your retirement could have even more going for it

Your retirement could have even more going for it Your retirement could have even more going for it A straightforward guide to equity release For no obligation advice: call 0800 015 0993 www.justretirementsolutions.com Contents Imagine what you could

More information

Mortgage & Equity Release Guide

Mortgage & Equity Release Guide Edward Wilson Financial Services OVERVIEW Experience We have been advising clients since 1994, and have a wealth of experience for which there is no substitute. As an appointed representative of the Sesame

More information

Equity release. Money matters. Deciding whether equity release is right for you. AgeUKIL6

Equity release. Money matters. Deciding whether equity release is right for you. AgeUKIL6 Equity release Deciding whether equity release is right for you Money matters AgeUKIL6 Information and advice you need to help you love later life. We re Age UK and our goal is to enable older people across

More information

www.hoa.org.uk On the Edge Impact on Homeowners of Changes to Interest-Only Mortgages February 2013

www.hoa.org.uk On the Edge Impact on Homeowners of Changes to Interest-Only Mortgages February 2013 www.hoa.org.uk On the Edge Impact on Homeowners of Changes to Interest-Only Mortgages February 2013 HomeOwners Alliance 2012 About HomeOwners Alliance The HomeOwners Alliance is Britain s only group championing

More information

Flexible access to short-term finance. Precisely when you need it. Rathbones secured lending facility.

Flexible access to short-term finance. Precisely when you need it. Rathbones secured lending facility. Flexible access to short-term finance. Precisely when you need it. Rathbones secured lending facility. Flexible lending. As a client of Rathbones, there may be occasions when you need to access short to

More information

A simple guide to getting more from your future with. Aviva Equity Release. Best Equity Release Lender

A simple guide to getting more from your future with. Aviva Equity Release. Best Equity Release Lender A simple guide to getting more from your future with Aviva Equity Release Best Equity Release Lender J4602_PF011120_1015.indd 1 09/10/15 8:06 pm Contents An introduction to Aviva Equity Release What is

More information

Helping your clients through retirement think house, think equity release

Helping your clients through retirement think house, think equity release For For financial intermediary use use only. only Not approved for use with customers. Helping your clients through retirement think house, think equity release Not qualified? Referrals - The Right Way

More information

Understanding mortgages

Understanding mortgages This information is an extract from the booklet Housing costs, which is part of our Financial guidance series. You may find the full booklet helpful. We can send you a free copy see page 7. Contents What

More information

With new options available from April 2015, we can help you plan your finances for a worry-free retirement

With new options available from April 2015, we can help you plan your finances for a worry-free retirement Your retirement With new options available from April 2015, we can help you plan your finances for a worry-free retirement Life is full of financial decisions and planning your retirement is one of the

More information

Residential mortgages general information

Residential mortgages general information Residential mortgages general information Residential mortgages general information 2 Contents Who we are and what we do 2 Forms of security 2 Representative Example 2 Indication of possible further costs

More information

Wealth and Investment Management. Financing. Structured solutions as individual as you are

Wealth and Investment Management. Financing. Structured solutions as individual as you are Wealth and Investment Management Financing Structured solutions as individual as you are Singing Ringing Tree, by TONKIN, LIU, HILLTOP MUSICAL SCULPTURE, 2004. Wealth what is it to you? We provide financing

More information

TD Direct Investing A Guide to SIPPs

TD Direct Investing A Guide to SIPPs TD Direct Investing A Guide to SIPPs Introduction If you are considering investing for retirement, there are a number of ways to approach it. One way is to embark on the do it yourself (DIY) self investment

More information

Deferred Payment Agreement Scheme

Deferred Payment Agreement Scheme Adult Social Care and Health Deferred Payment Agreement Scheme Information about the Council s Deferred Payment Agreement Scheme an option to help you manage care home costs if you own your property www.reading.gov.uk/carecharges

More information

A GUIDE TO OUR OWNER OCCUPIER MORTGAGE CRITERIA

A GUIDE TO OUR OWNER OCCUPIER MORTGAGE CRITERIA A GUIDE TO OUR OWNER OCCUPIER MORTGAGE CRITERIA Issued: 17 May 2016 Contents Introduction. 3 Summary 3 Purpose of borrowing. 3 Status... 4 Foreign nationals.. 4 Impaired credit 4 Income 5 Age 5 Mortgage

More information

ACHIEVE YOUR FINANCIAL GOALS WITH THE HELP OF A COMMONWEALTH FINANCIAL PLANNER.

ACHIEVE YOUR FINANCIAL GOALS WITH THE HELP OF A COMMONWEALTH FINANCIAL PLANNER. ACHIEVE YOUR FINANCIAL GOALS WITH THE HELP OF A COMMONWEALTH FINANCIAL PLANNER. Andrew has been our financial planner for 16 17 years. During this time Andrew s advice has always been very professional

More information

Welcome to Aspire. Expert financial advice for you

Welcome to Aspire. Expert financial advice for you Welcome to Aspire Expert financial advice for you Welcome to Aspire At Aspire we have one goal in mind to give you the financial advice you need and complete peace of mind that your finances are in the

More information

Mortgage Concepts Associates. Innovative & Independent Mortgage Advice. Guide to Mortgage Services

Mortgage Concepts Associates. Innovative & Independent Mortgage Advice. Guide to Mortgage Services Mortgage Concepts Associates Innovative & Independent Mortgage Advice Guide to Mortgage Services Mortgage Concepts Associates offer independent and innovative solutions to all of your mortgage requirements.

More information

Commissioned by. Written by. Supported by

Commissioned by. Written by. Supported by Use of Housing Equity for Beginners A self training module Commissioned by Written by Supported by About this training module This self training module is for people who want to understand the basic ideas

More information

Flexible Income Annuity. An income for life with the potential to grow

Flexible Income Annuity. An income for life with the potential to grow Flexible Income Annuity An income for life with the potential to grow Introducing Retirement Advantage Previously known as MGM Advantage and Stonehaven, we are a well-established company that can trace

More information

Welfare Benefits for Over 60s. in association with Ferret Information Systems Ltd

Welfare Benefits for Over 60s. in association with Ferret Information Systems Ltd Welfare Benefits for Over 60s 2016 in association with Ferret Information Systems Ltd Welfare Benefits for Over 60s 2016 Means-tested benefits Pension Credit (PC) PC can be paid on its own or on top of

More information

Paying for Care Equity Release Annuities & Investments

Paying for Care Equity Release Annuities & Investments FirstStop Paying for Care Equity Release Annuities & Investments Changes in personal, housing or care needs in later life can make unprecedented demands on the finances of older people. What may once have

More information

CAVENDISH EQUITY RELEASE. The Essential Guide. Equity Release TRUSTED & IMPARTIAL ADVICE SINCE 1985

CAVENDISH EQUITY RELEASE. The Essential Guide. Equity Release TRUSTED & IMPARTIAL ADVICE SINCE 1985 CAVENDISH Equity Release TRUSTED & IMPARTIAL ADVICE SINCE 1985 EQUITY RELEASE The Essential Guide INDEX Welcome to Cavendish Equity Release 3 How can Equity Release be used? 4 Why is specialist advice

More information

Mortgage advice you can depend on

Mortgage advice you can depend on Our Mortgage advice you can depend on Whether buying your first home, buying to let, or remortgaging, this guide tackles the main considerations. If you want to learn more and receive advice tailored to

More information

MORTGAGE ADVICE YOU CAN DEPEND ON

MORTGAGE ADVICE YOU CAN DEPEND ON MORTGAGE ADVICE YOU CAN DEPEND ON INTRODUCTION Whether you re buying your first home, remortgaging, or purchasing an investment property, there are lots of processes to go through, issues to tackle and

More information

FOR ELECTRONIC USE ONLY

FOR ELECTRONIC USE ONLY 2015/16 GUIDE TO... Retirement Planning EVENS & CO LTD CHARTERED ACCOUNTANTS & REGISTERED AUDITORS YOUR GUIDE TO Retirement Planning Retirement isn t what it used to be. In many ways it is better: people

More information

ABOUT OUR SERVICES AND COSTS AND HOW WE DO BUSINESS WITH YOU

ABOUT OUR SERVICES AND COSTS AND HOW WE DO BUSINESS WITH YOU Wesleyan Financial Services Ltd Colmore Circus Birmingham B4 6AR ABOUT OUR SERVICES AND COSTS AND HOW WE DO BUSINESS WITH YOU About this document This document explains the service we offer, how you will

More information

Retirement Policy & Research Centre Symposium Spending the Savings: Decumulation & Middle-income Retirement 30 Nov 2012

Retirement Policy & Research Centre Symposium Spending the Savings: Decumulation & Middle-income Retirement 30 Nov 2012 Retirement Policy & Research Centre Symposium Spending the Savings: Decumulation & Middle-income Retirement 30 Nov 2012 The Future of Home Equity Release Products The Role of Property as a Decumulation

More information

It s flexible. Key features of the Flexible Income Annuity. Flexible Income Annuity

It s flexible. Key features of the Flexible Income Annuity. Flexible Income Annuity It s flexible Key features of the Flexible Income Annuity Flexible Income Annuity This is an important document and you should read it before deciding whether to buy your pension annuity from us Purpose

More information

ENHANCED LIFETIME MORTGAGE PRODUCT BROCHURE

ENHANCED LIFETIME MORTGAGE PRODUCT BROCHURE seeing retirement differently seeing retirement differently ENHANCED LIFETIME MORTGAGE CELEBRATING CELEBRATING YEARS sin ce 1 9 9 5 YEARS sin ce 1 9 9 5 WHAT IS THE PURPOSE OF THIS DOCUMENT? This document

More information

responsible equity release Responsible for your comfortable retirement The Latest On Equity Release In Just 800 Words

responsible equity release Responsible for your comfortable retirement The Latest On Equity Release In Just 800 Words The Latest On Equity Release In Just 800 Words Releasing equity with a lifetime mortgage Designed for those aged 55+, who own their property, are asset-rich and want to access to this wealth in a flexible

More information

ALL YOU NEED TO KNOW.

ALL YOU NEED TO KNOW. LIFETIME MORTGAGE LIFETIME MORTGAGES ALL YOU NEED TO KNOW 1 ALL YOU NEED TO KNOW. 2 LIFETIME MORTGAGES ALL YOU NEED TO KNOW CONTENTS 1. IntrODUCTION 2. AbOUT lifetime mortgages 3. FeaturES of our lifetime

More information

Is equity release the right choice for you? Protecting yourself If it isn t right for you, what are the alternatives?

Is equity release the right choice for you? Protecting yourself If it isn t right for you, what are the alternatives? Buyer s Guide : Content Page 1: What is equity release? Page 2: Is equity release the right choice for you? Page 3: Protecting yourself If it isn t right for you, what are the alternatives? Page 4: Lifetime

More information

M O R T G A G E S E R V I C E S A borrower s guide

M O R T G A G E S E R V I C E S A borrower s guide M O R T G A G E S E R V I C E S A borrower s guide For most of us, house purchase is our largest financial transaction and the associated mortgage the biggest financial commitment. Repayment of the mortgage

More information

Housing wealth could play a greater role in supporting retirement in the future says Pensions Policy Institute

Housing wealth could play a greater role in supporting retirement in the future says Pensions Policy Institute PRESS RELEASE - UPDATED VERSION 00.01 Tuesday 15 th September 2009 PENSIONS POLICY INSTITUTE Housing wealth could play a greater role in supporting retirement in the future says Pensions Policy Institute

More information

Making the most of your retirement

Making the most of your retirement Making the most of your retirement A guide to equity release and our advice service Provided by Contents Welcome from the Age UK Group 3 Do more with your retirement 4 What is equity release? 5 Is equity

More information

Switching your mortgage deal

Switching your mortgage deal Switching guide 1 Switching your mortgage deal We re with you every step of the way Switching guide 2 Why switch? If you re thinking about switching your mortgage, you might not have to shop around. You

More information

Equity Release An easy to understand guide just for you

Equity Release An easy to understand guide just for you TRuE BEARing ChARTEREd e Right direction for Financial Advice Equity Release An easy to understand guide just for you True Bearing Chartered 2 Buckshaw Court, East Terrace Business Park Euxton Lane, Euxton,

More information

SPANISH LIFETIME MORTGAGE

SPANISH LIFETIME MORTGAGE SPANISH LIFETIME MORTGAGE The following presentation relates to a Lifetime Mortgage which is available to European owners of Spanish Residential properties who are fluent in English. Golden Age Distribution

More information

First Time Buyers. A guide to owning your first home

First Time Buyers. A guide to owning your first home First Time Buyers A guide to owning your first home Helping you to get on the property ladder Fed up living with others? Been dreaming of owning your own home? If the answer is yes, then take a look at

More information

Equity release - an integral feature in a retirement account

Equity release - an integral feature in a retirement account Equity release - an integral feature in a retirement account September 2015 www.aquilaheywood.co.uk 1 - Synopsis 2 2 - A holistic retirement proposition 3 3 - Equity release 4 4 - Can the market deliver?

More information

Retirement. 2012/13 guide to... Mapus-Smith & Lemmon LLP. Chartered Accountants

Retirement. 2012/13 guide to... Mapus-Smith & Lemmon LLP. Chartered Accountants 2012/13 guide to... Retirement Planning Mapus-Smith & Lemmon LLP hartered Accountants 48 King Street, King s Lynn, Norfolk. PE30 1HE Tel: 01553 774761 Fax: 01553 768419 www.mapus.co.uk your guide to Retirement

More information

Council of Mortgage Lenders Equity release leaflet unlocking the value of your home

Council of Mortgage Lenders Equity release leaflet unlocking the value of your home Council of Mortgage Lenders Equity release leaflet unlocking the value of your home What is equity release? Equity is the difference between any mortgage you may have and the value of your home. Equity

More information

Preparing for 6 April 2015 Are you ready for Question Time?

Preparing for 6 April 2015 Are you ready for Question Time? Are you ready for Question Time? Background The new flexible pension regime will come into effect on 6 April 2015 There is already extensive press coverage of the changes In understanding the changes it

More information

Other options for dealing with your debts

Other options for dealing with your debts Other options for dealing with your debts This information is an extract from the booklet Managing your debt, which is part of our financial guidance series. You may find the full booklet helpful. We can

More information

what to consider before deciding on a particular scheme

what to consider before deciding on a particular scheme Factsheet 65 May 2014 About this factsheet This factsheet provides information about different types of equity release schemes such as lifetime mortgages and home reversion schemes. It includes information

More information

exploring the options

exploring the options Information caveat The content of this presentation is provided for illustrative purposes only and is not intended to be used for individual investment or financial planning and does not constitute personal

More information

A Guide to Releasing Capital from your Home

A Guide to Releasing Capital from your Home Advice for older people A Guide to Releasing Capital from your Home Advice provided by Advice for older people FirstStop Advice brings together the expertise of some of the most trusted and respected organisations

More information

Making a Surrender Claim

Making a Surrender Claim Making a Surrender Claim Q1. What is a Surrender Claim? A surrender claim is a voluntary decision made by a policyholder to cash in their policy before the agreed term of the policy has been reached. The

More information

A warm welcome to the first edition of the Ashtree Financial Services Newsletter.

A warm welcome to the first edition of the Ashtree Financial Services Newsletter. Ashtree Financial Services is part of the Autoline Insurance Group OCTOBER 2011 Ashtree Financial Newsletter - Issue 1 A warm welcome to the first edition of the Ashtree Financial Services Newsletter.

More information

MORE CHOICE MORE FREEDOM

MORE CHOICE MORE FREEDOM LOOK FORWARD TO MORE CHOICE MORE FREEDOM A guide to Income Release Pension Portfolio royallondon.com WELCOME TO ROYAL LONDON We re a mutual organisation and, unlike a PLC, we don t have any shareholders

More information

Guaranteed Annuity. Key Features. This is an important document and you should read it before deciding whether to buy your pension annuity from us

Guaranteed Annuity. Key Features. This is an important document and you should read it before deciding whether to buy your pension annuity from us Guaranteed Annuity Key Features This is an important document and you should read it before deciding whether to buy your pension annuity from us 2 Purpose of this document Guaranteed Annuity Key Features

More information

Your New Additional Voluntary Contribution and Defined Contribution Investment Choices

Your New Additional Voluntary Contribution and Defined Contribution Investment Choices THALES UK PENSION SCHEME Your New Additional Voluntary Contribution and Defined Contribution Investment Choices The Trustees of the Scheme ( the Scheme ) have recently completed a review of the Scheme

More information

Truly Bespoke, Truly Independent

Truly Bespoke, Truly Independent Financial Planning Group Truly Bespoke, Truly Independent Cottons Financial Planning Group Ltd is a specialist business; providing financial services and advice to both individuals and companies all over

More information

Taking control of your future

Taking control of your future The Association of Investment Companies Taking control of your future A guide to Self-Invested Personal Pensions September 2014 www.theaic.co.uk The Association of Saving for your retirement is one of

More information

Our Services www.pembrokefinancial.co.uk

Our Services www.pembrokefinancial.co.uk Independent Financial Advisers One less thing to worry about... A Guide to Our Services www.pembrokefinancial.co.uk About Our Services We are Independent Financial Advisers (IFA s) working in partnership

More information

EQUITY RELEASE GUIDE. Everything you need to know about equity release.

EQUITY RELEASE GUIDE. Everything you need to know about equity release. EQUITY RELEASE GUIDE Everything you need to know about equity release. An informative guide from the equity release specialists The informative guide to equity release... Equity release has come a long

More information

CompareEquityRelease.com. Your Guide To Equity Release

CompareEquityRelease.com. Your Guide To Equity Release CompareEquityRelease.com Your Guide To Equity Release C ontents About this guide 3 Let s talk money 4 The options 5 What is equity release? 13 How does equity release work? 14 Which type of scheme is best?

More information

A guide to equity release

A guide to equity release Enjoying financial freedom in retirement: Enjoying financial freedom in retirement: A guide to equity release A guide to equity release Many people see equity release as a way to ensure a comfortable retirement.

More information

Guide to: Consolidation Loans. Debt Advisory Services (Scotland) Limited Telephone 08000112322 www.scottishdebthelp.co.uk

Guide to: Consolidation Loans. Debt Advisory Services (Scotland) Limited Telephone 08000112322 www.scottishdebthelp.co.uk Guide to: Consolidation Loans Debt Advisory Services (Scotland) Limited Telephone 08000112322 www.scottishdebthelp.co.uk Contents 1. What is a Consolidation Loan 2. Re-Mortgages 3. Secured Loans 4. Personal

More information

Adviceguide Advice that makes a difference

Adviceguide Advice that makes a difference Jargon Buster A Z of financial terms This fact sheet explains some of the financial terms that you might come across when you are dealing with financial matters. ACCOUNT:- this is provided by a bank or

More information

Your Guide to Pension Freedom

Your Guide to Pension Freedom Your Guide to Pension Freedom 3 From April 2015, individuals will have more freedom to access their pensions. These changes mark a radical departure from the existing system, by giving you greater choice

More information

FREEDOM. Retirement. Your retirement years should be a. Radcliffe & Co Thomas House, 28-30 Bernard Street Southampton, Hants SO14 3AY

FREEDOM. Retirement. Your retirement years should be a. Radcliffe & Co Thomas House, 28-30 Bernard Street Southampton, Hants SO14 3AY Retirement FREEDOM Equity Release to assist Retirement Planning Summer 2015 Equity Release lending figures 384m in Q2 2015. Largest amount for any quarter since records began! (Source: Equity Release Council,

More information

PENSION INVESTMENT APPROACHES GUIDE. More detailed information

PENSION INVESTMENT APPROACHES GUIDE. More detailed information PENSION INVESTMENT APPROACHES GUIDE More detailed information OUR COMMITMENT TO YOU We want to do everything we can to help you achieve what you need from your plan. Aiming for investment growth is vital,

More information

Just the facts about dealing

Just the facts about dealing April 2008 Our guides here to help you This guide is part of our Buying a home series. About the Financial Services Authority. Pensions andeveryday retirement. money. Saving and investing. If things go

More information