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Oct 27, 2014

Paying for Long Term Care

Few of us make any provision for long term care and expect the State to pick up the tab if and when the need arises. Our first involvement with the care sector often takes place when our parents can no longer look after themselves
1 min
Oct 22, 2014

Advisers Offer Advice….. Not Sales:

Following on from our recently launched Adviser Tracker I was intrigued by some of the results we received to our questions. It’s really interesting to see how advisers and customers are getting along and feedback from the coalface is great for helping to inform how we can make sure customers are receiving as much help and information as possible.
1 min
Jun 23, 2014

Early Redemption Charges – A More Enlightened Approach

Potential Early Redemption Charges (“ERCs”) discourage consumers from entering into Equity Release plans. With the duration of a Lifetime Mortgage often extending for over 20 years, people may wish to redeem them early when their personal circumstances change as they get older. A more flexible policy towards ERCs is at last being applied by some Providers.
1 min
May 12, 2014

Do You Have Enough Retirement Savings?

Research suggests that most of us underestimate our life expectancy and hence do not make adequate provision for retirement. Following the recent Budget, the Government is so concerned that it is likely to become a requirement for people to be given an indication of their life expectancy at the point of retirement to discourage them from depleting their retirement savings too quickly. Equity release plans are likely to become increasingly popular as alternatives to Annuities.
1 min
Mar 31, 2014

Are You Prepared Enough Financially for Retirement?

Several recent surveys illustrate that too few of us are preparing ourselves for the financial needs of retirement. Many people are getting themselves into debt after they stop working in order to enjoy the early years of retirement. Equity Release Plans are now widely acknowledged as being an effective method of helping ageing people cope with the financial demands of retirement
1 min
Feb 18, 2014

Too Few People Are Investing For Their Own Future

Although it is becoming more important than ever for them to do so, employees are not investing enough for their retirement. If they are lucky enough to be homeowners, many people consider that their property will be the best source of pension income. This is a major reason why enquiries about equity release plans are increasing from people aged in their late 40s and 50s.
1 min