Retirement planning is no longer a binary decision between drawdown and annuities. Instead, many of your clients may require a ‘blended’ retirement income solution made up of several different products – including equity release. To help you explore the options available we’ve put together some handy guides. And over the course of 2019 we’ll [...]
The new rates are below: From 4.35% (MER) 4.44% (AER) on CC plans; From 4.65% (MER) 4.75%(AER) on CC Plus plans; 4.65% (MER) 4.75% (AER) on CC Drawdown plans; 4.80% (MER) 4.91% (AER) on CC Plus Drawdown plans. Go to fastpath
Register now for our webinar: Responsible lending – three ways to lower the cost of borrowingJoin us in our 45 minute webinar at 10am on 26th March: Responsible lending – three ways to lower the cost of borrowing.The webinar will feature Peter Borley, Just’s Retirement Lending Propositions Director and other Just experts. They will consider [...]
It’s been heartening to see our marketing toolkit resonate so well with advisers and continue to provide a useful resource for those aiming to make the most of the market. On the back of this we’ve expanded our toolkit to include a new digital element, combining both guiding documents and practical assistance (such as [...]
In 2020 - 11.98m people will have reached state retirement age and currently 75% of the UK’s housing wealth is held by people aged over 50… We understand that more business is coming from older borrowers who are looking to borrow more or to re-structure their mortgages. We were one of the first to [...]
Super LTV Lump Sum Interest Roll-up with Voluntary Payment option Lifetime Mortgage At a glance - What is it? The Super LTV Lifetime Mortgage is designed to support customers who are looking to release more equity from their homes. The lifetime mortgage provides your customer with a one-off lump sum amount at a fixed [...]
Welcome to our latest update dedicated to the topic of later life planning. Please take the time to read through the update as there may be some information that is important to you. This month's update includes: One Family launch super LTV product; Ipswich Building Society have made later life mortgages easier; Aviva redefine [...]
Chorley Building Society understand that lifestyles have changed and with them financial needs. The Society has now launched a range of Later Life Lending mortgages for older borrowers who wish to apply for a mortgage past the age of 70 or are in need of a mortgage term that will take them beyond the [...]
LV= are thrilled to let you know that their Equity Release products have maintained their excellent Defaqto and Moneyfacts ratings for 2019. For the third year in a row, LV= has achieved a 5 Star Defaqto Rating for both their Lifetime Mortgage Lump Sum+ and Flexible Lifetime Mortgage products. And for a second year in [...]
We’re experts in lending to older borrowers. Here are some of the ways we can help to place your case: No maximum age limit AND up to a 40 year term When calculating affordability we accept 100% of pension income, 75% of investment income and a proportion of other income such as property rental (if [...]
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