Securing an Income in Later Life
During recent years property prices have rapidly increased to a level that allows the owner to potentially capitalise on the value of their home. An increased demand for a regular or single lump sum may be more prevalent nearer retirement age and therefore you may wish to utilise the capital that has accumulated within the value of your property.

An Equity Release Plan may be a suitable alternative for you to consider if you wish to stay in your current home instead of downsizing to a cheaper property.

Who would benefit?

If you are aged over 60 and have an immediate regular or single lump sum requirement that relates to a specific need such as:
  • an increase to your income to cover your normal expenditure.
  • repay an outstanding mortgage at retirement.
  • the deposit on your children’s property purchase,
  • a once in a lifetime trip or a holiday home purchase, but do not have capital
  • carrying out some home improvements, for which a grant is not available.
Alternatively, you may be seeking advice on how to make provision to fund for the future cost of long term care, should the need arise, and also reduce your exposure to Inheritance Tax. As members of the St. James's Place Partnership, we have access to specialists who can provide advice around paying for Long Term Care to give you peace of mind for the future. If you would like further information please enter your details below:

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Please contact me to discuss my financial requirements

Request more information on Equity Release
 
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An Equity Release plan (also known as a lifetime mortgage or home reversion plan) will reduce the value of your estate, will not be suitable for everyone and may affect your entitlement to state benefit. To understand the features and risks, ask for a personalised illustration.