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NEVER TOO OLD FOR A MORTGAGE! Exceeding expectations, but never your budget!


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Sadly, due to schemes available in the past the term “Equity Release” has got itself a bad name.


Local adviser Sarah Ferrell speaks with many people who, through no fault of their own, are carrying debt into retirement or need to raise new finance and this can make the “Golden Years” potentially worrying.


Equity Release can, for many people, offer an ideal solution…..so why does everybody think it is such a bad thing?


Sarah says, “The finance industry has had to adapt as the need for lending in retirement has grown at a staggering rate. The schemes of the past bear no resemblance to those available today however many people’s thinking and understanding of the schemes available is still stuck in the 1970's!”


Finance Available


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Many of Sarah’s clients need to repay a mortgage, finance some unexpected outlay or just make their retirement more comfortable. Others want to help their children with a deposit for a house, buy a new car, go on holiday or make improvements to their home.


Regardless of the reason for needing finance, there are plenty of safe and affordable solutions available and the choice of options is greater than ever.


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Like all financial transactions there are advantages and disadvantages which means that Equity Release may not be suitable for everyone. Equity release schemes involve borrowing against your home, and may work out more expensive in the long term than downsizing to a smaller property. Depending on the scheme chosen releasing equity may reduce the value of your estate and therefore the amount of inheritance you will leave. “I take great care and time to fully discuss all aspects of the options available so that my clients are fully aware of what may be suitable and equally what they want to avoid!” Sarah comments.


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Sarah finds many of the people she speaks to are worried about their finances at a time in life when they really want to be enjoying themselves. Often a lack of information, or confusing advertising causes them concern and they are just not sure what options are really available to them. This is where Sarah can bridge the gap.


Sarah says, “I’ve been in the finance industry for over 20 years and I consider I have come across most scenarios and would reassure anyone who is concerned about their finances that they are unlikely to be alone. Sometimes an initial chat is all that is needed to put people’s mind at rest and as soon as people know they have options this in itself can often lighten the burden”


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Sarah takes time to work out which solution may be most suitable for each individual and will visit a client at home at a time to suit them.


Think carefully before securing other debts against your home.


Call Sarah on Call us on:


01622 813355/07710 660731 20A Bow Road • Wateringbury • ME18 5DD


M: 07789007447 T: 01622 631372


E:info@sarahferrell-equityrelease.co.uk www.sarahferrell-equityrelease.co.uk


Your home may be repossessed if you do not keep up repayments on your mortgage. EQUITY RELEASE RE-MORTGAGE BUY-TO-LET


www.ns-flooring.co.uk FIRST TIME BUYERS


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FREE


downsmail.co.uk


e: willingtonhomes@hotmail.com t: 07971720242


Willington Homes – specialists in subdivide partnerships


Do you have a large garden that may lend itself to subdivide? Maybe you are thinking of selling up and would love to maximise your return?


Maybe you’d like to stay in your home but reduce the size of your garden and create a nest egg for you and your family?


We at Willington Homes understand this is a big decision and have undertaken partnerships with local people, like you, to help them minimise the risk and maximise their return.


How does it work? Step 1 – We evaluate the potential of subdividing your garden Step 2 – We provide some build options for your consideration Step 3 – You seek independent advice on the value of the proposed build options Step 4 – We agree a land purchase price, based on achieving planning permission Step 5 – If we beat the upper valuation at sale we share the benefits


58 Mid Kent Living


To find out more, please call us on 07971720242 or email us at willingtonhomes@hotmail.com Mid Kent Living 41


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