Insights

The proposals that could give over-55 equity release a real boost

21 August 2019

Later life funding is the great challenge of our age’ – that’s according to the Equity Release Council. Its new report on later life financial planning trends is calling for cross-party political co-operation to explore how best we can help people fund their lives in retirement. Read more

Why we’re proud to be independent

14 August 2019

Making the decision to investigate equity release as a means to secure your later-life future, and that of those you love, can seem daunting. Committing to one of the vehicles on offer is an even bigger step. That’s why support every step of the way is vital, and why we at 55+ equity release are so proud to be independent. Quite simply, we wouldn’t have it any other way. Read more

Why your home might not be eligible for equity release – and what you can do about it

7 August 2019

If you’re over 55, we’ll do everything we can to give you all the information you need to help you secure an equity-release deal, once you’re sure that it’s the right decision for you. Here’s an advance word of warning, though: there are some factors that may deter a lender from offering you equity release. The goods new is that, in some cases at least, there may be things you can do about them. Read more

Bank of mum and dad and the implications for over-55 equity release

24 July 2019

More people are relying on the bank of mum and dad – and granny and granddad – than ever before, according to new research. The figures (1) from financial services group Legal & General and the Centre for Economics and Business Research (CEBR) support the statistics that lending to younger generations is becoming an increasingly popular reason for equity release schemes. Read more

The role of equity release in the social care conundrum

17 July 2019

Equity release may have a role to play in social care provision in the future. The authors of an international report into retirement say the strong desire for people to stay in their own homes as they get older in the UK has important policy considerations. But with continuing uncertainty about how social care is to be funded, equity release can be a solution to help older people maintain their independence. Read more

Equity-release rates drop below 5%

10 July 2019

Average equity-release interest rates have dropped to their lowest figure since 2007, according to money-comparison experts Moneyfacts1. Alongside the record low interest rates are a record number of equity release products – meaning a wealth of choice for people aged 55 and over who want to realise their dreams. Read more

Why we always tell it straight

3 July 2019

Quite simply, the process behind equity release and what it can mean for your quality of life, your peace of mind and the future – both for you and those you love – is so important we believe we need to be crystal clear. That’s why we pride ourselves on providing a transparent process, always communicated honestly and in plain English, to help you make the best decision for your personal circumstances. Read more

How much equity should you release?

26 June 2019

If you’re thinking about releasing equity from your property to realise your dreams, one of the key things you will need to decide is how much to release. There are lots of factors to consider, so follow our checklist below to help you work out your magic number. Read more

Equity release plugs inheritance gap for millennials to get on housing ladder

19 June 2019

Planning your finances in later life means making sure you are going to be able to enjoy your retirement, no matter how long that is. For many of us, it also means thinking about the next generations and what we might be able to leave them. But new research suggests that the expectations of younger generations far outstrip the reality of today’s inheritances. Read more

Equity release: it’s still your home

12 June 2019

One of the myths surrounding equity release is that you no longer own your home. In fact, you will not only still be the legal owner, you will generally enjoy the freedoms – and responsibilities – associated with home ownership. Read more

‘It was very easy when our 55+ Equity Release adviser spoke to us – it was like we had known her all our life.’

LS, successful over 55 equity release scheme applicant, Gravesend, Kent

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