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Never too old for a mortgage?


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


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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


07789 007447 01622 631372


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 Dreams do come true


ProHealth Therapy Rooms are on the move – fulfilling a long-held dream of owner and therapist Nicola Elliott to offer more treatments.


After seven years in a small clinic in Maidstone and years of hard work, Nicola and her team of therapists at ProHealth have moved to a brand new clinic at 22 Church Street, Maidstone. More than 60 different treatments and therapies are now available. Nicola said: “We are all totally thrilled and so excited to have moved to the new premises. It is a much larger clinic and we are now able to provide many more treatments for our amazing clients. “We are so happy that we have been able to move so close to our previous clinic, meaning our clients can park in the same place. We now have more than 18 therapists offering appointments seven days a week, including evenings, to fit around our clients.”


22 Church Street


Maidstone, Kent ME14 1EN 01622 297202 /661055.


Visit our new clinic Maidstone July 2019 19


Treatments offered by ProHealth Therapy Rooms include: Chiropody/Podiatry/Colon Hydrotherapy/Nutrition/ Osteopathy/Acupuncture/ Sports Massage/ Herbal Medicine/ Reflexology/ Hypnotherapy/ Clinical Psychology/Yoga /Pilates/Sound Therapy/Skin Specialist treatments/ Botox-Fillers and B12 injections. ProHealth regularly holds health-related courses as well as coffee mornings and its charity work supports local causes in the community and the area’s hospitals. For more information on the treatments and therapies, drop into the clinic, visit our website or call us today on 01622 297202/ 661055


More than 60 different treatments and therapies are now available. See our website for further details www.ProHealthTherapy.com


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