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Key questions I would encourage clients to consider include:
~ How much do you REALLY need? As interest is charged from the outset, drawing more than is needed may be unnecessarily costly
Equity Release is attracting more publicity than ever, however local adviser Sarah Ferrell is concerned that people are confused. “There are so many options available these days that people are bombarded with information”.
Sarah maintains that face to face advice is absolutely necessary. “This is not a quick decision and clients need guidance, not forms to fill in and return by post”. There are huge benefits to Equity Release however there are also longer term considerations.
~ How much do you need NOW? Releasing a smaller amount “up front” and creating a drawdown facility allows access to money for the future but interest is not paid until it is drawn ~ Do you plan to move house? Many schemes are portable but the implications need to be discussed so we can find the scheme with the right amount of flexibility
~ Would you like to be able to pay intertest on the mortgage?
It still surprises many people that most of today’s schemes allow payment of interest. This provides the capital needed without the longer term costs people have potentially been worried about. I am a great advocate of Equity Release having seen the financial pressure it can relieve. It has been used for home improvements and has kept people in their
homes when they felt selling was the only option. I have also helped a number of parents release equity to enable their children buy homes or to help in other ways. “After over 25 years in finance I take pride in the time and care I take when speaking with clients. It is absolutely essential to understand what a client needs and what their plans are for the future before I can even begin to advise”
Sarah is happy to visit your home and she is not just available 9-5 but will offer flexible times to suit.
Call Sarah on
info@sarahferrell-equityrelease.co.uk www.sarahferrell-equityrelease.co.uk
Equity Release will reduce the value of your estate and can affect your eligibility for means tested benefits. Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.
MORTGAGES EQUITY RELEASE RE-MORTGAGE BUY-TO-LET FIRST TIME BUYERS
Independent Financial Advice Retirement Specialists
Providing advice on Company Pensions and Personal Pensions.
Independent Financial Advice Retirement Specialists
Providing advice on Company Pensions (including Final Salary Schemes) and Personal Pensions.
Also providing advice on Investments, Personal Protection (life cover etc.), Estate / Inheritance Tax Planning, Wills, Powers of Attorney and Trusts.
We offer advice across a wide range of services including investments, savings, mortgages (including Equity Release) and protection. We are committed to putting clients at the heart of everything we do and to developing long-term relationships with our clients. This is achieved by ensuring that we understand the individual needs of each client, and to implementing tailored financial plans to address those needs.
We offer advice across a wide range of services including investments, savings, mortgages and protection. We are committed to putting clients at the heart of everything we do and to developing long-term relationships with our clients. This is achieved by ensuring that we understand the individual needs of each client, and to implementing tailored financial plans to address those needs.
Contact us for a free consultation to look at your options.
Contact us for a free consultation to look at your options.
Also providing advice on Investments, Personal Protection (life cover etc.), Estate / Inheritance Tax Planning, Wills, Powers of Attorney and Trusts.
01622 391 444 01622 391 444
info@handffinancial.co.uk www.handffinancial.co.uk
H&F Financial Limited Granville House Granville Road Maidstone Kent
H&F Financial Limited Suite 1B
Frederick House Brewer Street Maidstone Kent, ME14 1RY
ME14 2BJ
Authorised and regulated by the Financial Conduct Authority - No 778297 A company registered in England & Wales. Registered Company - No 10057458
Authorised and regulated by the Financial Conduct Authority - No 778297 A company registered in England & Wales. Registered Company - No 10057458
Mid Kent Living 47
mark.hidson@handffinancial.co.uk www.handffinancial.co.uk
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