Talking about death and funerals can be... well... um... er... a little awkward. But, as a trusted financial adviser, you appreciate that sometimes talking about awkward things now can have significant benefits for your clients further down the line. If you look at the lifecycle of your client, which products are they likely to [...]
Case study: Anika Bansal’s story Anika, 60, lives near Hull and wants a smaller property closer to the coast, without moving too far from her family. She’s keen on an apartment in Bridlington and needs to find an extra £65,000. Lifetime mortgage required: Her current home is mortgage free and worth £300,000. A loan [...]
Call us today to discuss your cases. Our flexible approach and manual underwriting means we will listen carefully and make a decision based on each individual circumstances. For older borrowers who are in retirement we offer 60% LTV with repayment or interest only options available PLUS No upfront application fee, no upper age limit and a maximum [...]
While the later life market continues to show growth, it’s important we don’t underestimate the important role that advisers can have in the wider process, as having a market that offers a wealth of product solutions is of little value if there isn’t a knowledgeable bank of financial advisers on hand to act as [...]
For the first time ever, customers can secure their retirement against rate rises – for life. In uncertain times, security is key for customer finances. That’s why Hodge has created the Fixed-for-Life RIO – so they know exactly what they’ll be paying for the life of the mortgage. Who’s it for? Retirement interest only [...]
Welcome to this month's lending into retirement Update. Please take the time to read through the update as there may be some information that is important to you. Included in this month's update: Hodge launch UKs first fixed rate RIO; Buckinghamshire launch new mortgage retirement product; More 2 Life explain why the later life [...]
Canada Life has announced that it’s lowering the interest rate and increasing the maximum loan-to-value (LTV) for its buy-to-let and second home products. The annualised interest rates for Canada Life’s buy-to-let Lifestyle and buy-to-let Voluntary Select products have reduced from 6.16% and 6.36% to 5.78% and 5.98%. Additionally customers can also now benefit from [...]
Over fifties insurance has become more popular in recent years as funeral costs are continuing to rise1 and people don’t want their families to have to take on the financial burden. They may also be thinking about taking care of any outstanding bills or debts. Your clients can leave a small legacy for their loved ones [...]
Chorley Building Society understands that lifestyles have changed long with the financial needs of borrowers. The Society recognises that the older borrower market continues to grow year on year, and in order to meet the demand of this ever increasing market the Society recently launched a range of Later Life Lending mortgages. The Later [...]
With the growing popularity of Equity Release and the constant market changes, more and more advisers see lifetime mortgages as part of a holistic financial planning process to help their clients in later life. In this evolving and exciting market, the number of product choices and options for clients continues to increase and equity [...]
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