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.
The Later Life Lending Network Announces 2023 Annual Conference & Winter Masquerade Ball
The Later Life Lending and Equity Release Network, part of The Right Mortgage, has today (XX November 2023) announced details of its 2023 end of year Annual Conference and Winter Masquerade Ball. Taking place [...]
Later Life Lending Update – 16th June 2022
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 [...]
LV=: Positive changes to the lending criteria for our lifetime mortgages
We’ve recently made some positive changes to the lending criteria for our lifetime mortgages. Our maximum flat roof percentage has increased from 50% to 100%, and, we can now take a more flexible [...]
Livemore: Reduced ERCs on 10yr, 20yr and Fixed for Life Products
Its time to get out there and do your bit, helping customer fix for longer and protect themselves against rising, household bills, inflation and mortgage rates Help your customers through uncertainty with LiveMore [...]
Canada Life: Adviser Portal Survey
Our improved Home Finance Adviser Portal makes it easier for you to do business with us Designed with you in mind, the portal helps you to generate quotes, submit applications and track case [...]
more2life: Getting to a ‘Yes’ decision on lifetime mortgages
Getting to a ‘Yes’ decision on lifetime mortgages When it comes to applying for a lifetime mortgage, the time it takes to get from submitting the application, to the client receiving their funds [...]
Just service update May 2022
last week comments Customer / FI telephone service Last week we have seen no unplanned absence and had a minimal amount of annual leave, we experienced a higher daily call volume towards the end [...]
Changing the Face of Later Life Lending
The face of modern living for over-55s has undergone significant changes in the last decade, increasing the need for fresh thinking and product innovation in later life lending to meet the needs of [...]
We’re making changes to our product range today
With effect from 10am today, Thursday 12th May, we're making the following changes to our Capital Select and Lifestyle Select products. We're increasing the interest rates on: · Lifestyle Select Ultra Lite · [...]
Explore our portal for a chance to win a £100 Amazon voucher
Our improved Home Finance Adviser Portal makes it easier for you to do business with us Designed with you in mind, the portal helps you to generate quotes, submit applications and track case [...]
How OneFamily invests for your customer and a greener planet
On Wednesday 18th May, we are increasing the interest rates across the Just for you Lifetime Mortgage range. J6 Interest rates are shown without interest servicing reductions Cash Back Set Up Fee Minimum [...]
How OneFamily invests for your customer and a greener planet
By Chris Brown, Head of Lifetime Mortgages and Distribution at OneFamily. With customers and organisations now more environmentally aware than ever; we wanted to take this opportunity to tell you about the ‘green’ aspects [...]
5 Ways equity release can help first-time buyers
The challenge for first-time buyers Rising house prices and an inflated rental market have made it much harder for today’s generation of first-time buyers to save for a deposit, with many people nearing mid-thirties [...]
We’ve changed our retirement interest only mortgage to help more of your clients…
As the face of retirement evolves, so must the range of financial products available to clients entering later life. You can help more clients realise their retirement ambitions through our enhanced retirement interest [...]
Helping 50-90+ borrowers to live their best lives…. through LiveMore’s Inflation Busting Mortgages!
Upturns and downturns. We’ve all been there and know things never stand still for long, Inone fell swoop interest rates and the cost of living has risen, and inflation has soared into the stratosphere. [...]
Just For You Lifetime Mortgage Client Scenarios
Frank Brook's Story Frank, 70 is a retired widower living near Portsmouth. He thinks his mortgage-free home is worth £200,000 based on prices achieved by his neighbours. He wants to borrow £85,000 to [...]
Later Life Lending Update – 18th May 2022
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 [...]
Important announcement – Changes to the Just For You Lifetime Mortgage
On Wednesday 13 April, we made some changes to our lending criteria: County Court Judgement (CCJ) - maximum amount is now capped at £10,000. Leasehold term must now be a minimum of 120 years. [...]
Why Customers aged 50-90+ seeking re-mortgages need YOU!
It’s a favourite topic of mine, given the size and the shape of the mortgage market and the reach that the club has. I think we are all agreed about the importance of whole [...]
New equity release customer compliance announced
The ERC have announced that from Tuesday 19 April all new equity release customers will be required to have at least one face-to-face and in person meeting with a solicitor, in order to take out [...]
A new lease of later life – the perks of an empty nest for over 55s
For many parents, seeing their child move out can trigger a wide range of emotions. Empty nest syndrome often brings with it a process of grief and sadness and can feel quite bittersweet for [...]
Later Life Lending Update – 14th April 2022
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 [...]
Rate increases on our Heritage and Heritage Freedom ranges
NEW Rate increases on our Heritage and Heritage Freedom ranges From Wednesday, March 23rd MER AER New rates across our core Heritage Range 4.35% ‐ 5.55% 4.44% ‐ 5.69% New rates across our Heritage Freedom [...]
Lending in retirement – all you wanted to know about this growing market.
With Family Building Society, you can watch a free Lending in Retirement Criteria Masterclass webinar, in association with Mortgage Brain, and see how they can help your clients in, or approaching, retirement. Head of [...]
Faster Just For You Lifetime Mortgage applications on Air Sourcing
New link on Air Sourcing makes it quicker and easier to apply for Just For You Lifetime Mortgages. Check that your Air Sourcing account is linked to a Just Adviser portal account, then you’re [...]
Spray Foam Insulation – what you should know
With people ever more conscious of reducing natural resources and energy prices soaring now might seem like the ideal time to consider improving your insulation around your home. Action groups like insulate Britain have gone [...]
Product features your clients need
Compare our range of innovative lifetime mortgages, from flexible pricing to ERC-free partial repayments and high LTVS to downsizing protection, our products will help you support your client's retirement goals. Flexible Pricing Our Emerald, Classic [...]
Explore the Home Finance Adviser Portal
Download the "Explore the Home Finance Adviser Portal" below to read more. Download PDF
How we invest for your customer and a greener planet
How we invest for a brighter future With customers and organisations now more environmentally aware than ever; we wanted to take this opportunity to tell you about the ‘green’ aspects of our lending policy. [...]
Later life lending – your questions answered with Family Building Society
Many clients are turned down by high street lenders simply because they're 'too old'. We think that’s bonkers! We do lend in retirement. How can we help your clients? My client is 65 and [...]
Later Life Lending Update – 17th March 2022
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 [...]
Older borrower cases made simple with Suffolk Building Society
Older borrower cases made simple with Suffolk Building Society. Few lending areas have seen such development as those for applicants over 55. When it comes to later life borrowers it’s not just about swapping [...]
Updated LiveMore product guide
As of the March 11th, LiveMore have made some adjustments to rates across our product range - please find attached our updated product guide and link to the PDF below. Product Guide PDF [...]
Rate increases across our Sovereign and Sovereign Elite ranges
Rate increases across our Sovereign and Sovereign Elite ranges. Effective from Saturday, March 12th. Last date for KFIs on the old rate: 23:59 Friday, March 11th. Click button below to view the full product [...]
March 22nd: Join Our Lifetime Mortgage Webinar
At LV=, we understand that your support for clients extends beyond their financial needs. How you demonstrate your support to clients from the early stage is crucial in the process of building a long-lasting [...]
It’s time we stopped calling later-life, well, later life
Equity release is often still seen as the go-to product for those hoping to borrow later than the average. Along came RIO and suddenly there were more options for those looking to mortgage into [...]
Your Later Life Questions and Answers
Many clients are turned down by high street lenders simply because they're 'too old'. We think that’s bonkers! We do lend in retirement. How can we help your clients? Q. My client is 65 [...]
Livemore: Why consumers seeking remortgages need YOU!
Livemore: Because those over 55 are still young at heart. Why Consumers seeking Re-mortgages need YOU! It’s a favourite topic of mine, given the size and the shape of the mortgage market and the [...]
LV Rate decrease
With effect from Friday 10th December, we’re making the following changes to our Lifetime Mortgage Products. We’re decreasing rates on: Lifetime Mortgage Drawdown+ Lifetime Mortgage Lump Sum+ Download the rates >> [...]
Just: The ultimate in personalised lifetime mortgage advice
The ultimate in personalised lifetime mortgage advice Later life borrowing is one of the most dynamic sectors within financial services with increasing choice and exciting growth potential. Download the full update >> [...]
OneFamily: Seasons Greetings
Time for reflections It’s that time of year where we all take a moment to pause and reflect on the past 12 months. It’s certainly been an ‘interesting’ journey regardless of your circumstances. Here [...]
Canada Life: Introducing WeCare
A full range of health and wellbeing services, all for no added cost We’re delighted to announce that our new and existing home finance customers now have access to WeCare, an extensive range of virtual health [...]
Pure Retirement: The Strong Foundations of Equity Release
It’s been heartening to see encouraging figures emerge from the Equity Release Council recently, suggesting that the market has once again hit pre-pandemic levels and is on track to surpass £4bn of total lending [...]
Later Life Lending Update – 18th November 2021
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 [...]
Air Mortgage Club Later Life Lending Census 2021
Over the last three years, the term 'Later Life Lending' has become familiar to most people in financial services but where has it come from and what does it mean? To answer that, you [...]
more2life: Borrowing in Later Life Report -Rising Debt levels for over 55s
In August we launched our 2021:Borrowing in Later Life report. A key theme running through the report, among others is the rising debt levels for the over-55s. more2life Corporate Marketing Director, Stuart Wilson, takes you through [...]
Live More: Flexible Affordability Criteria
A quick reminder of some our flexible affordability criteria Highlights include: No Maximum age 👴👵 Up to 75% LTV 📈 Loans from £10K up to £1.25 million 💰 Sound good? Our sales team are [...]
Canada Life: Rate Change
We're making changes to our Lifestyle Select Options Read the full update now
LV= Lifetime Mortgage Update
With effect from Friday 5th November, we’re making the following changes to our Lifetime Mortgage Products. We’re decreasing rates on: Lifetime Mortgage Drawdown+ Lifetime Mortgage Lump Sum+ Please see the attached rate tables for [...]
Just: Changes to the Just for you lifetime mortgage
On Wednesday 10th November, we are increasing the interest rates on our J1, J2, J2.5 and Green LTV series J1 Interest rates are shown without cash facility loading or interest servicing reductions [...]
LV= : Five ways LV= is committed to fair value for your clients
Download the "Five ways LV= is committed to fair value for your clients" below Download the guide now
Later Life Lending Update – 21st October 2021
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 [...]
Pure Retirement’s new Emerald Range
Equity release specialists, Pure Retirement, have announced the launch of a new suite of lifetime mortgage products aimed at borrowers aged from 55-95 and with flexible repayment options and enhanced LTVs. Under the new [...]
more2life: Borrowing in later life report 2021
We've issues our latest 'Borrowing in Later Life' Report containing some interesting findings, such as: Total debt of people aged 55 and over is set to rise from £226 billion in 2020 to £236bn [...]
JUST: Use medical underwriting to help your clients get a better Just For You Lifetime Mortgage deal
Six in 10 people could borrow more, or get a better interest rate to reduce their borrowing costs with the Just For You Lifetime Mortgage medical underwriting option. We’ve added medical underwriting across our [...]
JUST: Helping you deliver lifetime mortgage solutions unique to every client
We’ve added medical underwriting across our Just For You Lifetime Mortgage range to help you respond to the FCA’s challenge for improved personalisation. And six in 10 people could borrow more, or reduce their [...]
Canada Life: Later life finance is changing
Nearly 74% of homeowners in their thirties are open to accessing money from the value of their property in later life. Over recent years, we have seen that shift in attitudes and changing market [...]
LV: Lifetime Mortgage Update
We are offering free valuations on all new business applications, regardless of property value. (NB We won’t charge for the initial valuation, but any re-valuations or additional borrowing valuations will be charged at the [...]
Pure Retirement: Later Life Lending Roadshows
Come and meet your Pure Business Development Manager at this year's Financial Reporter Roadshows The Financial Reporter Later Life Lending Roadshow - Northampton 29th September Join Central BDM, Anna, in Northampton for the FR [...]
Just: Introducing our medically underwritten option
From Monday 20th September 2021 we are expanding the Just For You Lifetime Mortgage to include a medically underwritten option on the J1-4 LTV series. This brand new option allows intermediaries to offer a [...]
Pure Retirement: Introducing Our New Digital Marketing Templates
Digital marketing continues to increase in importance when looking to engage with your customer base. Here at Pure, we have listened to your feedback and introduced a new range of digital resources to our [...]
Hodge: Helping you grow your business
Reflecting on RIOOver 50s borrowers and those approaching retirement don’t always want to go straight to equity release, they’re often looking for flexibility through interest only options with the ability to make monthly payments. That's [...]
Canada Life: We’ve made changes to our lifestyle options
We’re enhancing our lifetime mortgage range to offer customers more choice and flexibility around loan repayments. Introducing Lifestyle Select Options We’re pleased to let you know that we’re introducing a new range of Lifestyle Select [...]
Just: We’re making some changes to our interest rates
We've made some changes to our Just For You lifetime mortgage: Increasing the LTV’s and making some interest rate changes to our J3 LTV series Introducing 3 additional cashback tiers to our J4 LTV series [...]
Later Life Lending Update – 15th July 2021
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 [...]
Legal & General’s CII ER1 revision workshop – the essential equity release qualification
Are you looking to take your ER1 exam? Legal & General’s free one day workshop will help you gain an understanding of equity release regulation, products, market practice, and customer needs. Facilitated by a CII-accredited trainer, [...]
Just: Launch of the Just For You Lifetime Mortgage Fixed Early Repayment Charge (ERC) option
On Wednesday 30 June we launched our Fixed ERC option offering clients a guaranteed cost if they choose to pay off their lifetime mortgage early. With a choice of Fixed or Variable ERC, you can [...]
Hodge: 50% more people are taking out a RIO mortgage for home improvements
Our customer application data for Retirement Interest Only (RIO) has revealed a 50% increase in the number of people who are looking to use the mortgage funds for home improvements. When applying for a RIO, [...]
Hodge: Planning for the unforeseen
Later life financial planning and lending isn’t all about cruises, garden extensions and setting up the grandkids – for your clients it can and should be much more. It should be planning for the unforeseen, [...]
LV=: Lifetime Mortgage Rate Update
We've made the following changes to our Lifetime Mortgage Products. We’re increasing rates on: Lifetime Mortgage Drawdown+ Cashback Lifetime Mortgage Lump Sum+ Cashback Please visit our website for new product rates.
Pure Retirement: Rate reductions on plus and max products
Rate Reductions on our Plus and Max products (on both core Heritage and Freedom 40 ranges) MER AER New Rates across our Heritage Gilt ERCs Range 3.68% ‐ 4.26% 3.74% ‐ 4.34% New Rates across [...]
Canada Life: We’ve enhanced our capital select options
We are pleased to announce we have made the following changes to our Capital Select Options: We have increased the LTVs by up to 1% on: Capital Select Gold Plus Standard, Flexible & Cashback [...]
Pure Retirement: Rate Reductions across our Heritage range
Rate Reductions on our Heritage Fixed ERC and Freedom 40 products MER AER Full Rates across our Heritage Gilt ERCs Range 3.69% ‐ 4.26% 3.75% ‐ 4.34% New Rates across our Heritage Fixed ERCs [...]
One Family: Top misconceptions about Equity Release
Here are the top customer misconceptions about Equity Release There are still some pervasive equity release myths that prevent many people considering releasing equity from their homes to widen their options in later life. [...]
Just: Changes to J6 LTV series and Monthly Payment option.
We've made changes to our J6 LTV series and our Monthly Payment option. For J6 we are: Reducing the minimum age to 55 Reducing the minimum property value to £100,000 Introducing the option of a [...]
LV=: Lifetime Mortgage Rate Update
We’ve made the following changes to our Lifetime Mortgage Products. We’ve decreased rates on: Lifetime Mortgage Drawdown+ Lifetime Mortgage Lump Sum+ For more information please visit our website here.
Pure Retirement: Flexible lifetime mortgage solutions
Flexibility is at the core of everything we do, offering: Partial repayments ERC-free on Heritage and Classic plans; Downsizing protection on Classic and Sovereign plans; Cashback options on Heritage and Sovereign plans. Discover move about [...]
Canada Life: We’ve made changes to our capital select options
We have made the following changes to our Capital Select options We have increased the LTVs on: Capital Select Super Lite Standard, Flexible & Cashback Capital Select Lite Standard, Flexible & Cashback Capital Select [...]
LV=: Enhance Lifetime Mortgage Drawdown+ to offer even more flexibility
LV= is introducing some positive enhancements to their new Lifetime Mortgage Drawdown+, after listening to adviser feedback and monitoring customer trends. In uncertain and fast-changing times, having future flexibility is reassuring for clients who [...]
Pure Retirement: Rate increases on Sovereign and Sovereign Elite ranges
Rate Increases on our Sovereign and Sovereign Elite ranges (LTV bands A, B and C) MERAERNew rates across ourfull Sovereign Range2.80% - 5.87%2.84% – 6.03%New rates across ourfull SovereignElite range3.30% - 3.52%3.35% – 3.58%More informationClick here [...]
Just: Could your client’s health and lifestyle mean they could borrow more?
If your lifetime mortgage clients are in need of higher loan to values (LTVs), getting information about their health and lifestyle could make a difference to their maximum borrowing. We’ve developed a variety of [...]
Just: We’ve reduced our interest rates across the entire Just for you range
We’ve reduced our interest rates across the entire Just for you range. J1 - Interest rates are shown without cash facility loading or interest servicing reductions Cash Back Set Up Fee Minimum Advance Age Range [...]
Family Building Society: Older clients’ not having any luck with high street lenders?
Family Building Societies’ (FBS) hints and tips to get clients across the line ahead of the SDLT deadline As the stamp duty holiday deadline looms closer, FBS have shared their hints and tips again [...]
Pure Retirement: Give your client the power of flexibility
Heritage Freedom 40 is the most flexible of our lifetime mortgages with: 40% ERC-free repayment allowance; Monthly repayments facility, up to 12 per year; Fixed-rate ERCs; Competitive rates. Discover why we've been awarded Best [...]
LV=: Update to our lifetime mortgage
Our Lifetime Mortgage Drawdown+ and Lump Sum+ rates have decreased. Click here for more information.
Pure Retirement: Rate reductions on heritage and freedom 40 ranges
Rate Reductions on our Heritage and Freedom 40 Ranges MER AER New Rates across our Heritage Gilt ERCs Range 3.67% ‐ 4.39% 3.73% ‐ 4.48% New Rates across our Heritage Fixed ERCs Range 3.72% [...]
Just: Service update
Please see below for our weekly summary: Lifetime mortgage application cycle STAGE 1 Applications received waiting to be worked STAGE 2 Case checked and reviewed for approval (packaged for underwriters) STAGE 3 Case assessed by [...]
Canada Life: We’ve reduced the interest rates on our Lifestyle Options
We’re pleased to announce we’ve made changes to our Lifestyle Options from 10am this morning - Monday 18th January. We have:Decreased interest rates on Lifestyle Lite and Gold including Flexible variants.Our new interest rates are [...]
Later life planning Update – October 2020
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: [...]
Later life planning Update – September 2020
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: LV= [...]
Marsden: Supporting your clients for longer…
Our Older Borrower range is designed to support your later life clients with a mortgage in retirement. But how do they work...? Our Older Borrower products work just like a conventional mortgage product; however, [...]
Pure Retirement: Find your local sales team contacts
Meet your new contacts specific to your area, here to support you with all your needs. Simply enter your postcode on our new web page, click search and find your new contacts. Meet the [...]
More2Life: Continuing the trend of transparency
It has been a funny old year, we’ve seen every aspect of our lives undergo a sudden change, and as any adviser who’s worked through this knows, it’s certainly been an adjustment. Thankfully, we’ve [...]
Chorley Building Society has refreshed its ‘Later Life Lending’ products
Chorley Building Society has refreshed its ‘Later Life Lending’ products after reviewing the range in line with broker feedback. Previously, all borrowers fell into the same category if their mortgage loan took them over [...]
OneFamily: We’re here to talk through the details of your latest case
Throughout the coronavirus pandemic the team at OneFamily have remained committed to offering you a great personal service. We will continue to send you regular updates, particularly with the latest COVID-19 changes impacting our [...]
Later life planning Update – July 2020
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: Just [...]
LV= Flexible lifetime mortgage shutdown
LV= are currently set to remove our Flexible Lifetime Mortgage product from the market on 30th June and subsequently any external systems or publications that feature it.
Canada Life reintroduces Lifestyle Gold Plus and Prestige Options lifetime mortgages
Canada Life has recently announced a number of product changes, including the reintroduction of its Lifestyle Gold Plus and Prestige Options products, providing a higher loan-to-value (LTV) for its Home Finance customers. The changes [...]
Just: Which of your clients could benefit from a lifetime mortgage?
You may think that lifetime mortgages aren’t right for your clients but their flexibility might surprise you. Use this tool to discover more.
Just: Getting close to vulnerable customers during social distancing.
Now that the nation is in lockdown, it seems the term ‘vulnerable‘ is being used more than ever. If ever there was a time to focus on how we improve the experience and outcomes [...]
Chorley Building Society: Offers new ‘Later Life Lending’ products
Chorley Building Society has refreshed its ‘Later Life Lending’ products after reviewing the range in line with broker feedback. Previously, all borrowers fell into the same category if their mortgage loan took them over [...]
Pure Retirement: Product update and adviser support update
Product update We’ve just introduced a market-leading innovation in our Heritage Freedom 40 product, which offers customers the ability to repay up to 40% of their loan each year ERC-free. In addition, Freedom 40 [...]
Canada Life confirms dual approach to Home Finance valuations and Coronavirus Support Hub
Canada Life has confirmed a dual approach to valuations following recent Government advice and the easing of lockdown in England. In close partnership with e.surv, new ways to recommence onsite valuations have been explored, [...]
LV= The outlook for the equity release market in 2020 and beyond
Q&A with Chris Smyth, LV= Equity Release Business Development Manager Q: Recent figures released by the Equity Release Council show that the value of property wealth accessed via equity release products during Q1 2020 [...]
OneFamily Later Life Perspective – Spring edition and how the equity release industry has responded to unprecedented challenges in 2020
In this issue: Remote working top tips Using LinkedIn to promote your business Hints & tips for moving to remote advice EY Lifetime Mortgages survey findings Welcome to the Spring issue of Later Life [...]
The Right Will: Covid-19 leads to 30% increase Will writing requests
Whilst COVID-19 has resulted in a huge downturn for the mortgage and protection market, the demand for Wills and Lasting Powers of Attorney has soared. The Telegraph reported that there has been a 30% [...]
LV=launches new desktop valuation solution
LV=’s new desktop valuation solution for Lifetime Mortgage Lump Sum+ is now live. You can now submit your client applications and they will be considered for a desktop valuation. Please be aware that desktop valuation [...]
Canada Life: Remote valuations are now in place for our entire product set
Coronavirus update As the coronavirus situation continues to evolve, we want to update you on how it impacts our service to you and your clients. Business update and FAQs Our website is updated as the coronavirus [...]
More2Life: The importance of adaptability
We’re living in unprecedented times, lockdown is in affect and we all have a responsibility to ensure a level of social-distancing. This isn’t something that can be ignored, particularly due to the clients within [...]
Just: Coronavirus – how the lifetime mortgage market is responding
Coronavirus is making us all step outside our comfort zones. Social distancing restrictions have required a major rethink of how we do business. But it’s amazing how quickly it is possible to adapt to [...]
Now live: new Hodge website with integrated bespoke adviser portal
Today's the day! Our new website and integrated, end-to-end adviser portal is now live - meaning you can transact with us online, right the way through to completion. We've listened to your feedback, and [...]
More2Life: Our latest COVID-19 update to keep you informed
GREAT NEWS. After an intense period of negotiation with all of our funding partners, we are now in a position to start undertaking semi-automated (desktop) valuations on some of our products with immediate effect. You [...]
Adlington Law: Non Face to Face Solicitor Appointment Guidance Following the Equity Release Council’s Temporary Measures
Further to our e-mail of the 31st March 2020 we want to take this opportunity to update you further with regard to the procedures we have now implemented, following the issue of the ERC’s [...]
Equity Release Council: Member Update
We wanted to send you my thanks for all the hard work that you are doing looking after the needs of customers who want to have the option to choose equity release and for [...]
Aviva: An update on remote valuations
We have been working hard to overcome a range of issues regarding the challenges of carrying out physical valuations given the social distancing restrictions in light of Covid19. During this period, as physical valuations [...]
Legal and General: Desktop valuations now available for all lifetime mortgages
We’ll be offering desktop valuations for all of our lifetime mortgages from 6 April We have been working as quickly as we can to implement an alternative way of valuing without a home [...]
Pure Retirement – Here to support you as always
Latest updates in the current situation In the current times of uncertainty within the market, we’re pleased to announce that we now have Desktop Valuation solutions for the majority of our products. Both our [...]
Canada Life: We’ve made changes
With effect from 10am - Tuesday 14th April, we've changed the interest rates and LTVs across our Lifestyle Options and Capital Select Options. We're also temporarily closing Lifestyle Gold Plus, Lifestyle Platinum, all Voluntary Select [...]
Just: Changes to lending criteria and maximum LTVs
We appreciate that due to coronavirus many customers are reluctant to let surveyors carry out the usual physical property valuations and that many surveyors willl no longer conduct them. So we can continue to [...]
Chorley Building Society: Lending into retirement
Julie Goodwin, Head of Business Development at Chorley Building Society discusses this growing trend. It’s no surprise as life expectancy continues to grow, the number of those continuing to work later in life is [...]
Later life planning Update – February 2020
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: Aviva [...]
Aviva – Make changes to Lump sum max and Lifestyle options
The interest rates have increased, decreased or remained the same on both the Lifestyle Lump Sum Max and Lifestyle Flexible Option, on new business only. For new business applications received between Tuesday 18 February [...]
Later life planning Update – December 2019
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: Just: [...]
JUST: Our weekly summary
Lifetime mortgage application cycle STAGE 1 Applications received waiting to be worked STAGE 2 Case checked and reviewed for approval (packaged for underwriters) STAGE 3 Case assessed by Underwriters for approval and set [...]
Latest update from Family Building Society – New mortgage rates and products
What do you think of the Family Building Society? Have you completed a case with the Family Building Society recently? If so, how did they do? If you have, can you please share your [...]
CanadaLife: We’ve enhanced our Capital Select Options
We're very pleased to announce that we have enhanced our Capital Select Options. We have: Increased LTVs across all options Decreased interest rates across all options Please note, our adjusted APRs have been calculated [...]
LV= Lump Sum+ Revised Rates
Please note we are increasing rates on our Lump Sum+ product effective Wednesday 18th December. Our new rates are as shown below. The deadline for submission of applications on our old rates is 16th [...]
Later life planning Update – November 2019
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: Buckinghamshire [...]
Just: Lifetime mortgage case study
Allan and Lisa Lim’s story Allan (68) and Lisa (61) have been married for 40 years with a son and two daughters. They have three grandchildren with another on the way. This couple has [...]
LV= Lump Sum + revised rates
Please note we have increased rates on our Lump Sum+ product. Our new rates are as shown below. The deadline for submission of applications on our old rates is 26 November 2019. App fee [...]
Just: Changes to just for you lifetime mortgage
As previously communicated the limited period J4 pricing will be available until Thursday 10 October. As from Friday 11 October we will be reducing LTV’s on our J4 series. We will not however be [...]
LV=: Lump sum + revised rates
Please note we have reduced rates on our Lump Sum+ product. Our new rates are as shown below. App fee free (loans of £50,000 or more): LV=AER MER APR Lite 2.79% 2.75% 2.9% [...]
Aviva: Announce changes to interest rates
Interest rates have decreased or remained the same on both the Lifestyle Lump Sum Max and Lifestyle Flexible Option, on new business only. New Business All pre-sales illustrations produced on or after Tuesday 8th [...]
Royal London: Why choose us for protection?
At Royal London, we understand everyone’s unique. That’s why our protection proposition isn’t ‘one size fits all’. Our range of flexible cover options give your clients choice, so you can be confident you’re building [...]
More 2 Life: A historic period for the later life sector
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 [...]
Golden Charter: Is it time to talk to your clients about ‘you-know-what’?
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 [...]
Just: Flexible cashback reduces LTV to get lower interest rate
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 [...]
Buckinghamshire: New mortgage retirement product
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 [...]
Pure Retirement: The important role of advisers
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 [...]
Hodge: Launches the UKs first fixed for life RIO
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 – [...]
Later life planning Update – September 2019
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 [...]
AIG: Helping your clients leave a gift for their families
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 [...]
Chorley Building Society: Working with The Right Mortgage Network to support older borrowers
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 [...]
LV=: Giving you the confidence you need when selecting the right provider for their clients
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. [...]
Later life planning Update – August 2019
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: Canada [...]
Golden Charter: With a funeral plan, your clients don’t need to leave anything to chance
At the risk of stating the obvious, we’re all going to die someday. It’s not exactly a cheery thought. But, if you don’t help your clients to make provision for their funeral costs, you [...]
Pure Retirement: New improvements to our Heritage range
Great new changes available now New Superlite LTV tier Market leading rates across all 4 LTV tiers Minimum age of 55 for single and joint applicants Simplified options for cashback and fee combinations MER [...]
Later life planning Update – July 2019
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 week's update: New [...]
Later life planning Update – June 2019
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 week's update: Canada [...]
Just: Helping your clients realise their untapped wealth
Your client’s home is more than just bricks and mortar. It houses a wealth of memories. So why would they necessarily sell their property when they can release some of the equity tied up in [...]
Canada Life: £0 completion fee, for a limited time only
We’re pleased to confirm that, following fantastic feedback from the market, we’re extending the completion fee waiver on all Capital Select Options. The completion fee will continue to be reduced to £0 on all Capital [...]
Pure Retirement: Empowering Your Clients
Heritage Product Launch Pure Retirement are excited to announce our new Heritage Range which offers ERC-free partial repayments to the whole-of-market for the first time. We have responded to the diverse needs and priorities of [...]
LV=: Giving financial advisers the confidence they need when selecting the right provider for their clients
Chris Smyth – Business Development Manager, LV= Equity Release With the growing popularity of Equity Release and the constant market changes, more and more advisers see lifetime mortgages as part of a [...]
More2Life: Extra support for advisers is more important than ever…
Have you ever spent a lot of time helping a client, finding them the most seemingly perfect financial solution for their needs, and creating a KFI, only for it all to stumble over a [...]
Golden Charter: With a funeral plan, your clients don’t need to leave anything to chance.
At the risk of stating the obvious, we’re all going to die someday. It’s not exactly a cheery thought. But, if you don’t help your clients to make provision for their funeral costs, [...]
Marsden: They’ve found a place… but can you?
Get your younger borrowers onto the property ladder with a Joint Borrower Sole Proprietor (JBSP) mortgage. Newly launched, it gives up to two applicants with lower incomes the opportunity to combine resources with up [...]
Marsden: We’ve refreshed our products
We've made some changes to our Older Borrower, Retirement Interest Only, Expat Residential and Expat Buy to Let products. Find out more about what's changed for you and your clients below: Older Borrowers NEW 2, 3 & 5 year products 2.89% fixed [...]
LV=: Helping you help your clients to stay in good health
Knowing what really matters to clients and how to support them as a financial adviser is a big challenge. As providers we have a significant role to play in helping advisers help their clients [...]
Just: Plugging the interest only gap
The number of new interest-only mortgages sold has fallen steadily in recent years following a change in lenders’ criteria. However, there is a still a high proportion of these mortgages due to mature every [...]
Canada Life: Unlock more property wealth flexibly
New addition to Canada Life’s Capital Select range lets over 60s unlock more property wealth flexibly Canada Life Home Finance has today launched Capital Select Platinum Plus, offering homeowners aged 60+ the chance to [...]
Later life planning Update – May 2019
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 week's update: Unlock [...]
Aviva: Announce changes in equity release interest rates
We have changed interest rates on the below. The charge will either decrease or remain the same on: New Business Additional Borrowing Reserve Release Please find further details here.
Canada Life: Introducing our Equity Release Lead Generation Workshops
We're thrilled to introduce our upcoming series of Equity Release Lead Generation Workshops, which have been designed with experienced equity release advisers in mind. Do you want to grow your equity release business? With [...]
Just: Reduction to the minimum loan size on our interest servicing option
We will be making a change to our interest service option on our Just For You Lifetime Mortgage. For those customers who choose to service some or all of the monthly interest amount, we [...]
Later life planning Update – April 2019
Welcome to this week's Mortgage Update. Please take the time to read through the update as there may be some information that is important to you. Included in this week's update: Platform relaunch mainstream [...]
Aviva: Redefine retirement
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. [...]
More2Life: Capital Choice rates are decreasing
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 [...]
Just: Responsible lending webinar
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 [...]
Pure Retirement: Digital Marketing Toolkit
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 [...]
Buckinghamshire Building Society: Solutions for Older borrowers
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 [...]
One Family: Super LTV Product Launch
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 [...]
Later Life Planning Update – March 2019
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 [...]
Just: LTV changes and increase to our J5 interest rate
We've increased the LTV’s on our J2, J3 and J4 as follows: Customer age (based on youngest customer) J2 J3 J4 Single Life Joint Life Single Life Joint Life Single Life Joint [...]
Pure Retirement: Changes to our Max range
Rate and LTV Changes Please note that these changes will take effect from Friday 22nd February. MER AER Max Plus DD1 Age 60–71: 5.97% Age 60–71: 6.14% Age 72+: 5.69% Age 72+: 5.84% [...]
L&G Mortgage Club: Attract new clients with our promotional tools
With our new Income Lifetime Mortgage TV campaign now live, we’ve created a range of tools and white label materials to help you attract new clients - See our new marketing templates Many people tell [...]
LV=: Extended and improved lifetime mortgage underwriting criteria
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 [...]
Later Life Planning Update – February 2019
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 [...]
Pure Retirement: January newsletter
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 [...]
AIG: Helping you introduce the Guaranteed Over Fifties Plan to your clients
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 [...]
Marsden: Lending solutions for Paula and Barry
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 [...]
Buckingham Building Society: Options for Later Life Lending
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 [...]
Golden Charter: Don’t take our word for it
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 [...]
More 2 Life: Get the right help in the fastest time possible
To help you with your equity release business and when you have a query that you need resolving, contacting the right people helps us, help you quicker. Who to call... Your dedicated Broker Support [...]
Later Life Planning Update – January 2019
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 [...]
Golden Charter: Are funeral plans right for my clients?
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 [...]
Canada Life: We’re enhancing our Bespoke Underwriting process
We're enhancing our Bespoke Underwriting process We've listened to your feedback and are very pleased to say that with effect from 10am today, Monday 10th December, we're enhancing our Bespoke Underwriting process. You will [...]
Hodge: Rate drop & increased commission
Rate Reduction 17th December 2018 for Flexible Lifetime Mortgage and Lump Sum Lifetime Mortgage. Flexible Lifetime Mortgage* Was 4.35%(MER)/4.44%(AER) New rate 4.26%(MER)/4.34%(AER) Lump Sum Lifetime Mortgage Was 4.16%(MER)/4.24%(AER) New rate 4.06%(MER)/4.14%(AER) We're lowering rates for our [...]
Pure Retirement: Take Advantage of our New Digital Marketing Toolkit
Improve your communications with existing and potential customers with our guidance on website development, social media and email marketing. Here at Pure, we can create bespoke emails for you, tailored with your branding and contact [...]
Hodge Lifetime: A RIO mortgage with a difference
The Retirement Interest Only Mortgage is a new way to borrow in later life. Designed for borrowers aged 55+, Hodge has led the way in introducing a product for older borrowers as an alternative to [...]
Canada Life: Introduces Capital Select
Canada Life Home Finance has launched Capital Select Options, a new product range providing your customers with access to additional flexibility and certainty in their mortgage. This range enables customers to make payments of between [...]
More 2 life: Capital Choice rates are increasing
Rates on Capital Choice have increased. This only impacts Capital Choice Lump Sum with no cashback and Capital Choice Drawdown. 4.42% (MER) 4.51% (AER) on lump sum plans 4.47% (MER) 4.56% (AER) on drawdown plans [...]
One Family: Our Lifetime Mortgages just got even better
Those of you who’ve already submitted a case to us will know how easy it is to work with OneFamily. You’ll already know how flexible our products are. And you’ve probably already discussed a case [...]
Later Life Planning Update – November 2018
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 [...]
More2Life: Keeping you in the know
It’s been a busy few months in more 2 life, as we’ve been working hard to bring you the best rates, product features and tools. So we thought it would be the right time to [...]
Just: Build equity release into financial planning
Good financial planning is about putting the right amount of money, into the right hands, at the right time. That’s why we believe in building equity release into the financial planning process. Here are some [...]
The Marsden: Interest Only Repayment Vehicles
Interest Only Repayment Vehicles | Older Borrowers We offer interest only products on our Older Borrower mortgage range up to 60% LTV but what options do your 55+ clients have when it comes to [...]
Hodge Lifetime: Withdrawal of Lifetime Plus/Max and Indexed Range
As externally funded products, they have proven popular meaning lending limits have now been achieved, this has led to the decision to close the products to new business. All applications already received and at new [...]
Golden Charter: Take advantage of direct mailing support
An excellent way to reach your customers can be through a personalised mailing to your current client database. We are offering to help you with your first mailing, providing you with leaflets, envelopes, stamps and [...]
Aviva: Submitting lifetime mortgage applications by email – what you need to know
We're pleased to let you know that you can now submit lifetime mortgage applications by email. This applies to both new business and additional borrowing applications. We can accept digital versions of the forms, or [...]
Ipswich: An Alternative to RIO and Equity Release
If you have clients aged 50+ seeking to purchase or remortgage, they may be considering a RIO mortgage or even equity release. There are other options, and it’s as simple as a standard residential mortgage [...]
Hodge: The Retirement Mortgage
We're changing rates on our Retirement Mortgage as of Friday 14th September. Any new business received on or after 14th September will be based on the rates below. Applications already received prior to this date [...]
Marsden: Time to look at the grey | Flexible underwriting is a must
It's not just black and white with Older Borrower clients, we know that there's an increasing amount of grey! Excuse the pun, but, when looking at Older Borrower cases, it's not about the black and [...]
Pure Retirement: Criteria changes to our Pure Max Range
All LTVs for both single and joint across all 3 products are reducing by 1%. Our Distribution and Underwriting teams are on hand to answer any queries. The last day for KFIs on old criteria is [...]
Later Life Planning Update – September 2018
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. [...]
Marsden: Mortgages up to £750,000 for over 55 clients
Did you know that we offer mortgages up to £750,000 for your over 55 clients... Did you know our Older Borrower range offers mortgages up to £750,000 and we will take referrals beyond that too. [...]
Leeds Building Society: Retirement interest only mortgages
Curious about the potential? Retirement Interest Only (RIO) mortgages are designed so borrowers can use the sale of their home as a repayment strategy to repay their mortgage balance when they die or move [...]
More 2 Life: Compare our modern lending features with the competition… we think we win hands-down
Not all inheritance protection features are the same. With some lenders, the client has to select the feature on the application form and they may even charge a higher interest rate. Also, some lenders may restrict [...]
Golden Charter: Calls for statutory regulation of funeral plans
Golden Charter has backed calls for mandatory membership of the Funeral Planning Authority (FPA) and enhanced powers for the industry body instead of oversight by the Financial Conduct Authority (FCA). The funeral provider believes that [...]
Later Life Planning Update – August 2018
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. [...]
Retirement Advantage: You’re invited to our webinar
Here at Retirement Advantage we're dedicated to adviser support. We've been listening to your feedback and are thrilled to hear that you like our flexible approach to underwriting. To help you better understand our criteria, as [...]
Chorley BS: Launches a limited issue large loan mortgage product with no application or scheme fee
Chorley Building Society launches a limited issue large loan mortgage product with no application or scheme fee Chorley’s new large loan Mortgage is for borrowers who are looking to lend a minimum of £400,000 up [...]
More 2 Life: Great news, Our rates are decreasing
The rates on our Capital Choice and Capital Choice Plus plans have decreased. Along with improved rates, our Capital Choice range is packed with flexible, market-leading features, including: Guaranteed Inheritance Feature Capital repayments of up to [...]
Take part in our later life planning survey
I would like to invite you to take part in a short, but very important survey of members on issues related to later life planning. This is an area of growing importance for many of [...]
Just: Equity Release Academy 3 – Advanced ER Planning
Just Equity Release Academy 3 – Advanced ER Planning – 04th-19th September 2018 This CPD accredited Equity Release Academy is designed for advisers with ER1 (or equivalent qualification) who want to become more active [...]
Marsden: A different angle on affordability
We take a different angle on Older Borrowers... We specialise in Older Borrower mortgages which means we have a team of experts who are well versed in our approach to these clients. Which is [...]
Golden Charter: Local funeral directors – a comforting arm when you need them
Death is still such a taboo for British. Whether it’s our own death or the death of a loved one, we don’t want to think about it. However the reality is, it can be made [...]
Later Life Planning Update – July 2018
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. [...]
Marsden: Launch new products
Buy to Let, First Time Buyer and Older Borrowers What happens next? Products will be available on sourcing systems from today You can find downloads for our product portfolios below and on our website Our Intermediary [...]
The Right Will: Will and estate planning software
Will and Estate Planning Software Increase your earning potential with our simple to use software Fantastic income generator £170 per mirror Will £1,100 for Lasting Powers of Attorney for a couple Simple to use [...]
Just: New lifetime mortgage application form
Lifetime Mortgage application form We would like to let you know that the lifetime mortgage application form has changed. Download the application form To avoid delays in processing, please make sure all relevant [...]
More 2 Life: Social media guide and Capital Choice rate decrease
Equity release advisers & social media Recently, we undertook some research into the social media habits of equity release advisers, and the findings were interesting to say the least. While 79% of advisers use [...]
Retirement Advantage: Equity Release Lead Generation Workshop
Following on from our popular Equity Release Exam Workshops, the Equity Release Lead Generation Workshops have been developed for Equity Release advisers who are newly qualified or want to increase their engagement with the sector. [...]
Golden Charter: Talking funeral plans
You work hard to develop close working relationships with your clients so that you provide value to them. You think about their needs and their circumstances before a meeting to ensure that the advice and [...]
Aviva: Equity release CPD modules
CPD Modules Click on the button below to be taken to Aviva's equity release CPD modules. Choose the modules relevant to your personal development. Modules 1 and 2 are aimed at those not active [...]
Aviva: Open the door to better equity release conversations
Watch our free CPD-accredited video for 14 top tips As you know, a lifetime mortgage can truly transform a customer’s life. But helping clients to understand that – and finding them in the first place [...]
Family BS: Enhances terms for inter generation mortgages
Family Building Society has enhanced their lending criteria to allow up to two owner occupiers for all Joint Mortgage Sole Owner (JMSO) applications. JMSO enables additional borrowers (such as parents) to join in a mortgage [...]
Just: Equity Release Academy
Just Equity Release Academy 2 – Business Development - 05th-21st June 2018 The place for equity release in later life planning. The lifetime mortgage market is growing and set to reach around £6.6bn by 2021. [...]
L&G Home Finance: Reduced interest rates
We have REDUCED the interest rates on the following products: Premier Flexible Flexible and Optional Payment (with and without 2% cashback option) Flexible Plus and Optional Payment (with and without 2% cashback option) The interest [...]
More 2 Life: Have you heard about our formidable four?
Have you heard about our formidable four features to help protect your clients no matter what events may occur during their lifetime, ie: Fixed ERCs – simple and clear to understand, and give certainty. 3 [...]
Post Office Money: Offering retirement products
Post Office Money is now available. You don’t need ER1 as it’s a mortgage The aim is for Post Office to offer the more traditional mortgages, with BOI being more specialist. You’ll see from below [...]
Chorley: Enter 95% market
We are pleased to announce that we have entered the 95% market. Our new products are available to: New, first time buyers Home movers or remortgage customers for mortgages secured against their main residential property. [...]
Aldermore: Later Life Lending mortgage range
Aldermore have made quite a name for them-selves in the specialist mortgage world - and now they’re extending their offering to later-life mortgages. Their new range for borrowers aged 55 and over features multiple product [...]
Later Life Planning Update – May 2018
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. [...]
Later Life Planning Update – April 2018
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. [...]
Dudley BS: Great news
Our unique lending proposition focuses on using a common sense approach in order to meet the demands of those customers who do not meet the requirements of larger high street lenders. In 2015 the Society [...]
The Right Will: Are you fulfilling your duty of care to your clients?
Many of us will care for, or know someone who is caring for, a person with Alzheimer’s or dementia and the sad reality is that ¼ of us will require care at some point in [...]
Hodge Lifetime: New fixed rate retirement mortgage
Good news! We're adding to our popular 5 year fixed rate Retirement Mortgage Introducing the 2 year, fixed rate Retirement Mortgage from Hodge with a rate of 3.45%. About the Retirement Mortgage Our popular hybrid [...]
Ipswich Building Society: Get wiser with your older clients
We know the mortgage market has changed over the last decade. First time buyers are two years older at an average of 33, we’re seeing the end of tax relief for buy to lets and [...]
L&G Home finance: New Optional Payment Lifetime Mortgage
With our Optional Payment Lifetime Mortgage, your customers can choose to pay some, or all, of the monthly interest by Direct Debit. They can also stop making monthly interest payments at any time and convert [...]
Marsden: Tell us what you think
Can we grab just two minutes of your time? We want to you to tell us what you think about Older Borrowers and the support that you get from lenders like us for your [...]
More2Life: Rate reductions
The rates on both our Capital Choice and Capital Choice Plus products are decreasing, effective Thursday 12/04/2018. For more information please click on the product sheets below. Capital Choice Plus Capital [...]
LV=: Increase in Equity Release customers using money to clear debts
New LV= figures show that home and garden improvements continue to be the main reason why customers release equity from their homes, accounting for three out of ten (31%) loans in 2017. In fact, since [...]
Pure Retirement: Spring Webinars
You are invited to our Free Webinars! Are you new to the equity release market or want an insight into the latest updates in the industry? Join our educational webinars, completely free of charge with [...]
Chorley BS: recognises the lending needs of older borrowers
Chorley Building Society offers a common-sense approach to mortgage lending, with direct access to experienced underwriters who assess each case individually. This flexible approach will consider your customer’s personal circumstances, where automated credit scoring systems [...]
Just: The lite answer for improving your client’s lifestyle
Shine a light on Just’s Lump Sum Lite Lifetime Mortgage With Just's Lump Sum Lite Lifetime Mortgage, you can help clients cover their financial needs. And with market demand for equity release growing to £3bn [...]
Later Life Planning Update – February 2018
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. [...]
The Right Will: Low cost Will writing software
Increase your earning potential with our simple to use software Fantastic income generator £170 per mirror Will £1,000 for Lasting Powers of Attorney for a couple Simple to use Write a Will in minutes in your [...]
Family BS: Help your clients boost their finances
Don’t forget to consider the Family Building Society’s Retirement Lifestyle Booster mortgage as an alternative to Equity Release, for your clients who are mortgage free. How the Retirement Lifestyle Booster works Provides a fixed amount [...]
Ipswich BS: We think things should get better with age
At Ipswich Building Society, we think things should get better with age Older and retired borrowers continue to experience difficulty in the mortgage market, despite research from the Council of Mortgage Lenders in 2016 [...]
Later Life Planning Update – January 2018
Welcome to our latest update dedicated to the topic of later life planning. We will seek to arm you with all the tools and knowledge you will need to satisfy all of your clients’ [...]
Later Life Planning Update – August 2017
Welcome to our latest update dedicated to the topic of later life planning. We will seek to arm you with all the tools and knowledge you will need to satisfy all of your clients' [...]
Later Life Planning Update – September 2017
Welcome to our latest update dedicated to the topic of later life planning. We will seek to arm you with all the tools and knowledge you will need to satisfy all of your clients' [...]
Later Life Planning Update – October 2017
Welcome to our latest update dedicated to the topic of later life planning. We will seek to arm you with all the tools and knowledge you will need to satisfy all of your clients' [...]
AIG: An Over Fifties Life Plan that is Simple, Quick & Easy
We've created a quality Over Fifties Life Plan for advisers, to help you meet the growing needs of your customers.To cover rapidly increasing funeral costs or to leave a financial gift for loved ones, our [...]
TFC: Using a packager for later life lending
Raising capital in later life can often be a challenge – with High Street Lenders there is often an age cut off which can limit the choices for borrowers. Then, there are specialist lenders [...]
Leeds Building Society: Lending into retirement affordability assessment tool
Lending into retirement affordability assessment tool There are many reasons why lending into retirement is more in demand than ever before – the UK population is aging and life expectancy continues to increase. On average [...]
The Family Building Society: Lending to your older and retired clients
There’s no such thing as ‘normal’ clients these days. You know that and so do we. It’s why we offer mortgage solutions that work for everyone. We’re human and understand that people are [...]
The Right Will: New cartoon to encourage your clients to write a Will
New Cartoon to help encourage your clients to write a Will We have released a new cartoon which explains the importance of writing a Will to your clients. Please feel free to share this video [...]
Marsden: Download our new Older Borrower Portfolio
Product Update live from 31 October 2017 Our new products are available from today across our Residential, Older Borrower and Buy to Let portfolios. All previous portfolios withdrawn with immediate effect with applications accepted up to Friday 3 [...]
Later Life Lending Update – November 2017
Welcome to our latest update dedicated to the topic of later life planning. We will seek to arm you with all the tools and knowledge you will need to satisfy all of your clients' [...]
Golden Charter: Prepare for the future
How funeral plans from Golden Charter can enhance your client offering and help your clients prepare for the future There are products on the market that can be used to offer provision for funeral costs. [...]
Marsden: Older Borrower Mortgage Guide
Download our new versions now using the links below: We have updated our product portfolio on our website or click the button below. Download Product Portfolio [/fusion_builder_column][/fusion_builder_row][/fusion_builder_container]
Zurich: The Aging Population
[gview file="https://therightmortgage.co.uk/wp-content/uploads/2017/10/Advice-Matters-Issue-24-October-2017.pdf"] Advice Matters Advice Matters is Zurich monthly magazine designed specifically for you. It aims to inform and challenge readers, and report on topics and events of interest to [...]
Hodge’s 55+: A residential interest only mortgage for customers age 55-95
Highlights: 2 year & 5 year fixed ERC's available LTV's of up to 60% from age 55 Choice of competitive rates Ability to make 10% repayments from day 1 Free valuation for properties worth [...]
One Family: Flexibility being a core focus
At OneFamily we’re here to help your customers meet the financial needs of modern life. We’ve created award winning products with customer needs and flexibility being a core focus. Since OneFamily started, we’ve picked-up the [...]
Chorley Building Society: Lending to older Borrower USPs
No maximum age limit- Does the case make sense? No credit scoring, we credit search Every case individually underwritten with a common sense approach Lending into and whilst retired acceptable Currently no restrictions on [...]
Family Building Society: We’ll lend to your older and retired clients
Many banks and building societies have a traditional view to lending that means your older clients may often struggle to gain access to any kind of borrowing. Upper age limits for lending seem at odds [...]
LTV’s of 50-60% at age 55? Hodge can help
Do you have clients approaching or in retirement who may be struggling to pay off their interest only mortgage? Hodge can help Often, people are put off approaching their Adviser about later [...]
AIG: Make sure your clients are covered in later life
In the earlier stages of a person’s life, life insurance and critical illness cover (often referred to as ‘accelerated life’) are essential for ensuring financial and family protection needs. However, once the mortgage is paid [...]
Focus on: Hodge Lifetime’s 55+
With more choice than ever before, we at Hodge believe in the importance of education. Advisers fully understanding our products and features leads to a positive customer journey, both into retirement and beyond. Focus on: [...]
Golden Charter: New Point of Sale Kits and Brochures
Our new Point of Sale (POS) Kit As you know, we recently introduced our new look and feel brand. As part of this, we have also introduced new brochure packs and a Point of Sale [...]
Selling Equity Release
Selling Equity Release In order to sell Equity Release, you must first go through our authorisation process. Before you are able to be authorised, we ask that you hold the ER1 or equivalent qualification and [...]
Referring Equity Release
Referring Equity Release couldn't be easier. Simply email your client's details to ReferER@therightmortgage.co.uk and we will do the rest for you. You can rest safe in the knowledge that your client will receive a [...]
Golden Charter: Our New Look and Feel Brand and Pricing Launch
Welcome to our new look and feel launching on 1st June Our exciting new look and feel, new retail plan pricing and innovative products go live on 1st June. If you weren't able to attend [...]
One Family: UK funeral bills rocket to £1.9 billion every year
UK funeral bills rocket to £1.9 billion every year £1.9 billion is now spent on funerals every year in the UK[i] Over the past five years the average cost of a cremation has risen by [...]
Marsden BS launches its new Lending Solutions campaign “Picture This”
Marsden Building Society launched its new campaign this week to increase awareness around the opportunities a building society can provide for intermediaries. “Picture This” supports the Society’s Lending Solutions building the focus around ‘service, products [...]
The Marsden: A conventional mortgage for the over 55s… Now there’s a neat idea!
Can your applicant afford to make monthly repayments? Who would you class as an Older Borrower? What happens if a lifetime mortgage is not the right solution for your client? What lending options are available [...]
The Marsden: Older Borrower survey
Earlier this year, Marsden Building Society asked you your opinion on Older Borrowers and some of the challenges you face when sourcing a mortgage for clients +55. Thanks to your feedback, the Marsden changed a [...]
The Marsden – Older Borrowers Broker Toolkit
As a lender, Marsden Building Society want to work with Right Mortgage Network brokers to make sourcing a mortgage for your client as easy as possible. The Marsden team have created an ‘Older Borrower Broker [...]
The Marsden: Changes to Older Borrower Products
Please find a copy of the new product portfolio’s for Older Borrowers here. I can confirm the following products have been withdrawn: DSR542 – 2 year discount @ 2.69% DSR543 – 2 year discount @ [...]
Marsden: What options are available to customers as they reach retirement?
The retirement landscape is changing beyond all recognition… but where does it leave those customers in or approaching retirement who still want to borrow money on their property? ONS data highlights that the 50+ is [...]
Marsden for Intermediaries provide innovative lending solutions for Older Borrowers
Marsden Building Society is asking your opinion on the “hot topic” of Older Borrowers and what it means for you and your clients. Complete the survey and voice your opinion The Society is developing its [...]
Chorley BS relaunches Product Range & Removes Maximum Age Limit
Chorley Building Society has revamped its product range and changes include reducing rates, fee assist and cashback products and the removal of maximum age limits from its entire product range. Chorley Building Society Business Development [...]
