A historic period for retirement planning The later life lending sector has never been as diverse as it is today. New products are frequently entering the market, and current products are being developed to better suit the needs of those in or nearing retirement. In order to offer a more holistic financial advice service, [...]
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 [...]
For too long, income protection has lived in the shadows of life and critical illness cover. This is despite a quarter of UK adults saying they couldn’t survive financially if they were out of work for a month*. The truth is there’s no better way of protecting your clients from the financial impact of [...]
General Insurance (GI) – Its not worth it – Well I beg to differ! Over the 15 years or so that I have worked in the mortgage / IFA market promoting GI; as BDM, Head of Sales or MD role; brokers have consistently said ‘I don’t do GI, as it is not worth the [...]
Please join us from 12pm to 1pm on Tuesday 24 September for our next protection webinar where you'll learn more about diabetes and how to have better protection conversations with those clients who have it. Discovering the facts about diabetes Christina Rigby, who's been instrumental in developing our own Diabetes Life Cover product, will [...]
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