NOW S THE TIME TO TAKE INTEREST.

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1 REMORTGAGE THE RIGHT WAY NOW S THE TIME TO TAKE INTEREST. We know how precious your spare time is. An adviser can take all the hard work off your hands when you look into remortgaging. With dedicated experts who know the market place back to front there s every chance an adviser will find a competitive alternative to your current deal. Interest rates fluctuate so get in touch with an adviser today and see what remortgaging could do for you. INSURANCE. SAVINGS. INVESTMENT MANAGEMENT.

2 REMORTGAGE THE RIGHT WAY a trained adviser can search out the mortgage market for you matching a product suited to your needs. Isn t now the right time to think about remortgaging? Money touches almost every part of our lives. Financial decisions are often some of the most important and difficult we face, especially given all the recent turbulence in the market. HOW COULD I BENEFIT FROM ADVICE? During these uncertain times imagine the reassurance of knowing you have a financial expert on hand to give you practical help and answer your questions. An adviser is a qualified professional with the knowledge and training to help you get the most from your money. UP TO DATE PRODUCT INFORMATION Advisers keep up to date with the ever changing choice of mortgages and protection products available so you don t have to. They ll ask questions to understand fully your current financial situation and use this information to make recommendations specific to your needs. You ll know you re making a choice between products best suited to your individual circumstances. CUTTING THROUGH THE JARGON They will explain everything in plain English, help you compare different products that best meet your needs, and answer any questions you have. They ll want to make sure you have all the information you need to make a decision that s right for you.

3 EXCLUSIVE MORTGAGE DEALS Did you know that advisers can access exclusive mortgage deals through our Legal & General Mortgage Club? These can be from top lenders such as Halifax and Santander, as well as more specialist and regional lenders. Legal & General s size means we re often adding new lenders to our panel, lenders which other advisers may not have access to. Ask your adviser about any exclusive mortgage deals that may be suitable for you. All advisers who are appointed representatives of Legal & General Partnership Services Limited are independent in their mortgage advice. This means they can advise you on products from across the whole of the mortgage market. However, for insurance business they can advise you on products solely from Legal & General. WHY IT S BETTER TO SEE AN ADVISER THAN GO ONLINE With the advent of the internet and price comparison websites many people may think they can arrange their mortgage online. However, price comparison sites do not tell the whole story and it s difficult to fully compare products. An adviser will: look at your individual needs search the market to find the most suitable product for you help you understand the various product features be on hand to make sure everything goes through smoothly do any chasing that may be needed saving you valuable time and hassle help ensure you, your family and your home are protected for the future. A price comparison site can t do all these things for you. Your adviser will also be around in the future should you have any queries or have further product needs later on. Seeing a real person when making these important decisions can give you real peace of mind. IF I M CURRENTLY ON MY LENDER S STANDARD VARIABLE RATE (SVR), WHY SHOULD I THINK ABOUT REMORTGAGING? With the record low interest rates in the last few years many home owners have had the benefit of paying low rates on their mortgages. Some people have been staying on their lender s Standard Variable Rate (SVR) when their deal comes to an end. However some lenders, particularly Building Societies, have recently been putting up their SVRs making them less attractive. Also, with interest rates expected to go up in the near future, it may be a good time to visit an adviser. Even if you decide to stick to your lender s SVR for the time being, it s always a good idea to visit an adviser so they can assess your current protection needs. Why not use some of the money you re saving on your mortgage each month to top up your protection for example with life insurance or our new Income Protection product. If rates increase, have you planned how you will manage? As interest rates go up, the cost of mortgage deals are likely to increase. So whether you re remortgaging at the end of a fixed rate deal, or choosing to make improvements to your home, an adviser will help you understand the different types of mortgages and the options available. So in the end the remortgage deal you choose will be the right deal for you. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. YOU MAY HAVE TO PAY AN EARLY REPAYMENT CHARGE TO YOUR EXISTING LENDER IF YOU REMORTGAGE. YOU MAY BE CHARGED A FEE OF UP TO 1.5% OF THE LOAN AMOUNT FOR ARRANGING YOUR MORTGAGE. THE EXACT AMOUNT WILL DEPEND ON YOUR CIRCUMSTANCES.

4 PROTECTING THE THINGS THAT MATTER TO YOU A mortgage is probably one of the most important financial commitments you ll make and the largest debt you ll take on. So when you remortgage it s important to think about how you ll make repayments should your circumstances change. Once you ve had your remortgage product approved the next step is to think about reviewing your protection for your home and family. The mortgage isn t usually the only payment we need to make each month. What about covering everyday bills and expenses? Utility bills, food shopping, travel costs, childcare the list could go on. It s not a pleasant thought, but: How would one partner cope financially with the death or critical illness of the other? Could you cope maintaining your current lifestyle? Could you continue to raise your family? Legal & General s protection products can help provide financial peace of mind when it s needed most. They re designed to provide you with a cash sum or monthly benefit. They are payable for example if you die or are diagnosed with a terminal or (if chosen) specified critical illness during the policy term and are eligible to claim. Please note that none of Legal & General s protection products have any cash in value at any time. Depending on the products chosen they could help you to: maintain your standard of living pay your monthly bills and meet your daily living costs pay off your debts afford to stay in your family home rather than have to downsize. HOW MUCH WILL IT COST ME? Premiums are based on: your age gender other factors such as health and whether you smoke. Usually, the younger you are the less you ll pay. We all want security for our future and a chance to maintain the financial stability we have worked so hard towards, that s why it s so important to plan ahead. WHO SHALL I COVER? It s also important to remember that it s not just the main wage earner that you may need to consider when working out the right cover. What about the work a full time houseperson does how would you replace them if they fell ill? In 2009 we conducted some research into the amount of time spent on domestic tasks by women and men in the home. The value of domestic work undertaken by women is 32,812 a year and for men it s 23,296 a year. WHAT YOU CAN DO TO GET COVERED From time to time we all need to stop and think about our current finances and future needs. With the number of protection products available these days this can be daunting for some. Wouldn t you feel better knowing you were getting professional help to find your way to the right protection product? By reviewing your finances with a financial adviser they could help you protect yourself and your partner s/family s future. As with all protection policies limitations will apply. HOW CAN AN ADVISER HELP YOU? They ll help to fully identify your protection needs and make recommendations that are specific to your circumstances. They ll answer any questions and concerns you may have. They can continue to review your requirements on a regular basis, taking into account any changes to your commitments or lifestyle. For more help and advice talk to a financial adviser today. It really is worthwhile thinking about protecting your partner/family s future.

5 HOME INSURANCE PROTECTING YOUR BUILDINGS AND CONTENTS GREAT VALUE HOME INSURANCE FROM A NAME YOU CAN TRUST The subject of home insurance might not get you excited, but remember it s your home and most prized possessions we re talking about. That s why an adviser can offer you Legal & General Home Insurance Choices at a competitive price. What s covered in Buildings insurance? Buildings insurance covers your home and its permanent fixtures and fittings against loss or damage caused by events such as fire, storm, flood and subsidence. It also covers less common causes of damage such as theft, vandalism or damage to your property caused by vehicle collision. What s covered in Contents insurance? Contents insurance covers your household goods and personal belongings against loss or damage caused by risks such as fire, theft, storm and flood. Features of Legal & General s home insurance include: access to legal and domestic emergency helplines; credit card cover as standard on contents insurance (to cover you against fraudulent use up to 5,000); and swift and efficient claims handling from UK based call centres. Available discounts include: discount for one, two, three or more years if claim free discount when you insure buildings and contents under one policy. Please note that home insurance is designed to cover certain unforeseen events and doesn t cover everything. It doesn t cover things like general wear and tear or damage that happens gradually over a period of time. There s also an excess on each claim. SPEAK TO AN ADVISER TO FIND OUT MORE!

6 Legal & General Assurance Society Limited. Registered in England No Registered office: One Coleman Street, London EC2R 5AA We are authorised and regulated by the Financial Services Authority. We are members of the Association of British Insurers. W11911 Approval number: H Expiry date: 24/06/11 Print date: 06/10

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