What Is Equity release?
"Equity Release" is a means by which you could release money from your home, by borrowing against its current value. It may be possible to generate a lump sum, or a regular income, with the advantage that no repayments need to be made until you die, or go into long term care. The types of schemes involved are called "Lifetime Mortgages" and "Home Reversion Plans".
The money raised can be used in a variety of ways, to suit your particular needs. For example, you may wish to improve your lifestyle, carry out essential home improvements, or simply to ensure that you are financially secure in retirement.
Golden Age Retirement Planning
Golden Age Retirement Planning are Independent Financial Advisers who specialise in giving advice to older clients who are interested in releasing money from their home.
See What our clients think of us to see how you could benefit from our specialist service.
We are different
The value of unbiased, independent advice cannot be overstated.
Your Golden Age Retirement Planning adviser does not represent any particular provider, nor do we work from a panel of providers.
Are there any alternatives?
At Golden Age Retirement Planning we take care to advise you of all your options, as taking out an Equity Release scheme is not suitable for everyone. For example, it may be possible to generate funds by moving to a smaller property, you may be able to make better use of your existing savings, and there may be State benefits you could be entitled to claim.
You should also bear in mind, that once funds released by an equity release plan are exhausted, the home cannot be used again to raise more funds. Potential future needs, perhaps including paying for long term care or unexpected situations, also need to be considered. We will explain all the risks to you in full, and make our recommendations based on your needs and circumstances.
We represent you!
After assessing your needs, and recommending that an Equity Release scheme is the most appropriate solution for you, your Golden Age Retirement Planning adviser will research the entire market, to find the most suitable plan for you.
With so many different providers and variations, the value of the independent advise that you receive is priceless.
Why should you wade through all of the various provider's plan information, when we can use our expertise to find the best way forward for you?
In summary, we help you as follows:
- You benefit from Golden Age Retirement Planning researching the entire U.K. market
- You can benefit from a free, no-obligation initial consultation
- You will be dealing with Equity Release specialists
- We provide a helpful and efficient service to our clients.