LIFTIME MORTGAGE
A lifetime mortgage can allow you to access your wealth accumulated in your property without having to sell.
What We Do
Whether it is used to repay an existing mortgage, or to top up a potential pension income shortfall, or looking to gift to younger family members to get on the property ladder, a lifetime mortgage could be the perfect solution after other considerations have been discounted.
A lifetime mortgage will reduce the amount of inheritance you can leave loved ones, so we encourage you to meet us with family to ensure this is an appropriate solution for everyone.
We only offer lifetime mortgages available to us from across the market, but not deals that you can only obtain by going direct to a lender.
The small print...
A lifetime mortgage will be secured against your home.
Our Approach
01.
OBJECTIVES AND RISK
We will take the time to thoroughly understand what you’re looking to achieve and the level of risk you are willing to take. These will then reflect the investments we recommend.
02.
RAINY DAY MONIES
Keeping an ‘emergency fund’ for a rainy day in the Bank is an important part of financial planning. It gives you peace of mind that you can access cash, in an emergency without having to sell investments at what might be the wrong time.
03.
DIVERSIFICATION
Different types of investments (assets) can behave differently to each other at different periods during your investment timeframe; therefore, we will combine a range of assets to help mitigate risk.
Our Latest News & Financial Tips
04.
COST FOCUSSED
Unlike future performance, cost is known, and where possible, we will keep a tight lid on these as costs can be the difference between success and failure.
06.
MARKET KNOWLEDGE
We combine index-tracking funds with actively managed funds, where they invest differently to the index, giving you the best of both worlds.
We will not try to time the market, and anyone who claims they can, history would suggest they almost certainly can’t. And whilst past performance can be seductive, we will not chase performance as it is often a weak guide to the future.