Equity release is no longer seen as an option of last resort, which only a handful of advisers consider for their clients, but now forms part of holistic financial advice. Due to the increasing levels of demand for later life products such as lifetime mortgages, LV= are investing time and effort to shape even more [...]
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: Canada Life add new dates to equity release exam workshops; Legal & General add new dates for equity [...]
As an adviser you wear a lot of hats, but a psychic isn't one of them. Lifetime mortgage interest rates are the lowest they've been for years. With more 2 life, you could secure a great deal for your clients from just 4.47% MER (4.56% AER). No one can predict the future, so if you [...]
We’re thrilled to announce that we’re introducing a second series of Equity Release Exam Workshops, due to the overwhelming demand we received for our first series of workshops, launched last month. Our Equity Release Exam Workshops, have been designed with mortgage advisers in mind. The equity release market is booming, and we're proud to be supporting advisers [...]
The later life lending sector went through some major landmarks in 2018 which highlighted the progress the industry has made and the opportunities that currently exist for advisers as a result. In the second half of last year alone the sector surpassed £1bn of lending in a single quarter (and regularly saw averages of £11m [...]
Our Guaranteed Over Fifties Life Plan was designed to provide peace of mind. Helping customers to cover the cost of their funeral, leave a small legacy for their loved ones and provide a safety net for their family against outstanding debts. We've created a bespoke customer introducer letter to help raise awareness and position the [...]
Paula (62) and Barry (68) have a mortgage on their property of £150,000 which has come to the end of its term. Their property is worth £250,000 so they're looking to extend the term on their 60% LTV mortgage. Paula is a self employed accountant earning on average £32,000 per annum and Barry is retired receiving state pension and a small personal [...]
The equity release industry is booming, with the Equity Release Council announcing a 24% increase year-on-year in Q3 2018. And in a post pension freedoms world, many customers are realising that the value in their property vastly exceeds that in their pensions, savings and investments, and recognise that tapping into that property wealth could be [...]
Having been one of the first lenders to remove our maximum age limit, we have been lending into and in retirement since 2010. During that time the later life lending market has changed significantly. The UK’s ageing population has made it imperative that lenders like us offer viable financially safe solutions to older borrowers. Many [...]
Adding an additional product to your portfolio can offer a great opportunity to get in touch with your clients and for you to strengthen your offering. Becoming a Golden Charter intermediary allows you to help your clients plan ahead for the future and there are benefits for you and your business, too. Below are some [...]
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