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June 2024

How to use Equity Release to buy a new home

Home Movers, Equity Release, Homeowners |

If you’re 55+ and have been eyeing up your dream home but aren't sure how you'll be able to afford it. Equity Release could help you purchase a new home! From a fresh space to live to a holiday retreat. We delve into how to use Equity Release to buy a new property.

Do you need Private Medical Insurance?

Wellbeing |

Private Medical Insurance (PMI) can be expensive. Unfortunately, the NHS is under a great deal of strain, and some procedures and appointments have long wait times. We get honest. Here are some things to consider when taking out Private Medical Insurance.

Don’t forget your Income Protection

Protection, Homeowners, Wellbeing |

For ultimate peace of mind in an emergency, don’t forget Income Protection Insurance when buying a home. Income Protection Insurance serves as a financial safety net. If illness or injury stops you from working, this insurance provides an income. It’s usually a percentage of your pre-tax earnings, depending on how much cover you take out.

What insurance do you need in place to buy a home?

Home Movers |

You’ve secured your pre-approval and found your new home. But have you got your insurance in place? There is no legal requirement to take out insurance when you get a mortgage except for Buildings Insurance. But basic insurance is still needed before you move in! At the minimum, your lender will want to see Building Insurance. After all, it’s their investment, too.

Have you heard of the 99% mortgage?

First Time Buyers, Mortgage tips |

As you might have guessed from the name, a 99% mortgage allows you to take out a mortgage with only a 1% deposit. This could be a fantastic opportunity for those struggling to buy a house. Think renters who already pay what they would in rent. Or those who can cover repayments but can’t save enough of a deposit in time to buy a house.

May 2024

Is wedding insurance important?

Saving Money, Wellbeing |

There is no hiding that weddings are expensive. Using many vendors and venues carries risks. Wedding insurance covers the run-up to the big day or the day itself. However, a change of heart or cold feet won't count. What does wedding insurance typically cover?

A wedding of a lifetime, covered by equity release

Equity Release, Homeowners |

Did you know you can use equity release for gifting? Also known as a lifetime mortgage, you can help your children/grandchildren have the wedding of their dreams. It may also fund your income for the year. So this could help you take time off to help the kids. Or help you plan and enjoy your own wedding.

Do you worry that you may not get access to the best medical care?

Wellbeing |

The NHS provides comprehensive treatment to anyone. Regardless of their ability to pay. However, with extended wait times and limitations of what's available. Private care can bridge the gap. Health insurance covers planned consultations, treatments, and operations. But you may need to watch out for creeping expenses. We explain how it works, what to watch out for. And how to keep costs as low as possible.

Why four in five young adults are considering critical illness cover

Protection, Wellbeing |

Four in five young adults consider taking out critical illness cover (CIC) once they understand the product. But the biggest holdback is understanding CIC—or even hearing about it! Critical illness cover can help protect your family should you fall ill or need medical treatment. This cover ensures the bills are paid while putting food on the table if you cannot work.

First-Time Buyers: Frequently Asked Questions

First Time Buyers, Mortgage tips |

Do you know the difference between a fixed and a variable mortgage? Have you heard of 'loan to value'? Are you curious about what help is available for first-time buyers? Or are you a supportive parent who wants to help your loved ones with their first purchase? The easiest way to get quick answers to all these questions is to hit the 'Contact Us' button. But in the meantime, here is a quick guide to this exciting process of becoming a homeowner. (Feel free to forward the article...

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Protection: How Needs Evolve Over a Lifetime

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A Better Way Forward for Equity Release

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The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.

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A fee may be charged for mortgage advice. The exact amount will depend on your circumstances.

Our standard fee for mortgages is £395 and this is paid when the mortgage is offered. We charge a fee of £295 First-Time Buyers. Other fees may apply depending on the complexity of the work involved or loan amount. The maximum fee we can charge is £795.

Our standard fee for Equity Release is £895 and this is paid on completion.

We also receive a commission from the lender that will vary depending on the lender, product or other permissible factors. The nature of any commission model will be confirmed to you before you proceed. If we receive a commission, this will not affect the cost payable by you.

THINK CAREFULLY ABOUT SECURING OTHER DEBTS AGAINST YOUR HOME.

YOUR HOME OR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBTS SECURED ON IT.

BUY TO LET MORTGAGES ARE NOT REGULATED BY THE FINANCIAL CONDUCT AUTHORITY.

EQUITY RELEASE: THIS IS A LIFETIME MORTGAGE. TO UNDERSTAND THE FEATURES AND RISKS, PLEASE ASK FOR A PERSONALISED ILLUSTRATION. CHECK THAT THIS MORTGAGE WILL MEET YOUR NEEDS IF YOU WANT TO MOVE OR SELL YOUR HOME OR YOU WANT YOUR FAMILY TO INHERIT IT. IF YOU ARE IN ANY DOUBT, SEEK INDEPENDENT ADVICE.

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