This examination assesses a knowledge and understanding of the different types of equity release products, risks to the consumer associated with equity release and application of suitable equity release solutions according to the circumstances of different customers.
This qualification assesses a knowledge and understanding of the UK regulation environment in the financial services industry, mortgage products, repayment options and the giving of mortgage advice.
I have 23 years of financial services experience. I provide professional equity release advice to those aged 55 and above. Many of my clients now find that releasing some of the wealth from their home can help with things such as: home improvements, paying off existing mortgages, clearing debts, dream holidays, second homes, school fees and helping with children’s house deposits. Modern Lifetime Mortgages stand at the forefront of financial planning by providing access to tax free capital to spend as required with no repayments required during your lifetime unless you choose to, and whilst you retain full home ownership. We would discuss the different features between each of the products available within the later life lending market. Being independent I work on your behalf so have access to the whole market. The providers include names such as Aviva, Liverpool & Victoria, Legal & General, More2life, Pure Retirement, Canada Life, One Family & Hodge Lifetime.
I offer an initial meeting/discussion either by telephone or face to face without obligation and without charge.
Together, we would work through the following. Whether equity release is a suitable route for you now or possibly later.
I’ll explain in full how equity release works and its impact on you & others.
Discuss all alternatives and provide access to these options if needed.
My recommendation will be based on your needs. If the recommended route is to proceed with an arrangement, then you will be presented with a Key Facts Illustration (a client specific illustration).
If you are fully happy to proceed, I will help you with the application process.
When an application is completed, you will receive a suitability letter that will fully explain why the Equity Release product has been chosen
Equity Release Lancashire is a trading style of Mortgage Salad Limited which is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register at register.fca.org.uk under reference 566220.
Registered in England and Wales No 5941708. Registered Address: 12 Trinity Close, Tunbridge Wells, Kent, TN2 3QP.
While unbiased.co.uk endeavours to verify the information
provided as thoroughly as possible,
it is your responsibility to ensure the adviser you choose is appropriate and regulated
for the business you are transacting.
Any decision to transact business is made by you on the basis of your own enquiries. To check that an adviser is regulated, you can contact the relevant regulatory or professional body.