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.
This qualification assesses a knowledge and understanding of the principles of equity release, the different types of schemes available and the circumstances where equity release is an appropriate solution for the customer.
This qualification assesses a knowledge and understanding of the general insurance environment, its products and the manner in which the industry is regulated.
Phil has over 20 years’ experience in dealing with personal finance as an adviser and in training other advisers. As an Equity Release Specialist he can provide practical and impartial recommendations about how to use your existing property to enhance your lifestyle and manage your inheritance tax. This could include options with and without regular payments. He is not limited by geography and can find practical ways to help people in different parts of the country.
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Our initial chat can be by phone or WhatsApp, online using zoom or something similar, or face to face, at your home or the office. Phil and his team will ensure you understand whether equity release is right for you and the most efficient way to release funds, manage your inheritance tax and protect your beneficiaries.
Equity release may involve a lifetime mortgage which is secured against your
property or a home reversion plan which requires the sale of property for a
discounted price. To understand the features and risks, ask for a personalised
illustration. You only continue to own your own home with a lifetime mortgage.
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