downsmail.co.uk


Business Focus 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


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 Easy Access Bathrooms RE-MORTGAGE


“Safe bathrooms at sensible prices”


BUY-TO-LET FIRST TIME BUYERS


COUNTY COBBLER Shoe Repairs - Key Cutting


Anti-slip shower trays Anti-slip flooring Raised-height toilets Bidet shower toilets Shower seats Grab and support rails Wall Panelling or tiling Thermostatic showers


• Walk-in Showers Level-access Wetrooms Care-assisted Showers Walk-in Baths


We are a family owned business with over 20 years’ experience; designing, supplying and installing easy access bathrooms and wet-rooms


Whether you need a full or part conversion or you are not quite ready for a mobility bathroom but would like some advice on how to future proof your exisiting bathroom, we offer the complete service from start to finish


Please call us for the best advice


• •


•


• • • •


www.batheinsafety.co.uk 01622 962108 Just moved? Need spare keys?


We are here to help! DISCOUNTS on multiple key orders COMPETITIVELY priced KEYS*


Gifts engraved by our engraving specialists - jewellery, pens & Zippo's etc. Zippo fuel & flints available.


Watch repairs, batteries & straps replaced


We specialise in men’s leather soles stitched on.


We can replace ZIPS on premises within 24 hours.


Zippo Lighters Engraving Service – we can also


supply trophies & tankards MOST car keys cut NEW SPECIALISED key cutting – i.e.


tubular multi-lock security


While U Wait service available


www.facebook.com/Maidstoneshoerepairs


370, DukesWalk, The Mall (Near Pizza Hut) • 01622 297600


Maidstone East July 2019 17 Prompt


Yale type £5 2 for £7.50 3 for £10!!! We also cut


Mortice, Chubb


Security & most car keys


*from the same key


Zero VAT on mobility bathrooms


Page 1  |  Page 2  |  Page 3  |  Page 4  |  Page 5  |  Page 6  |  Page 7  |  Page 8  |  Page 9  |  Page 10  |  Page 11  |  Page 12  |  Page 13  |  Page 14  |  Page 15  |  Page 16  |  Page 17  |  Page 18  |  Page 19  |  Page 20  |  Page 21  |  Page 22  |  Page 23  |  Page 24  |  Page 25  |  Page 26  |  Page 27  |  Page 28  |  Page 29  |  Page 30  |  Page 31  |  Page 32  |  Page 33  |  Page 34  |  Page 35  |  Page 36  |  Page 37  |  Page 38  |  Page 39  |  Page 40  |  Page 41  |  Page 42  |  Page 43  |  Page 44  |  Page 45  |  Page 46  |  Page 47  |  Page 48