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Over 55? Release tax free cash to help fund retirement THEN YOU COULD CONSIDER A RETIREMENT MORTGAGE OR EQUITY RELEASE


RETIREMENT LENDING AND EQUITY RELEASE CAN BE IN SEVERAL FORMS, TYPICALLY FROM 55 YEARS OF AGE


• Retirement mortgage - Similar to a traditional mortgage where you repay the capital and interest or solely the interest keeping monthly payments low, main difference is there is typically no end date with the interest only option.


• Lifetime mortgage - This is the most common type of equity release, where you have the option to repay the interest, make overpayments or let the interest roll up without making any payment. With many flexible products you can initially take enough money for your immediate needs with a drawdown facility for future use or to provide a regular income.


• Home reversion 65+ - You raise money by selling all or part of your home while continuing to live in it, this is the least common and rarely features in current equity release.


Borrowing is typically repaid from the sale of your home when you die or move permanently into residential care.


THE ADVISER – Andrew has a wealth of experience as an independent mortgage adviser, he is friendly, professional and cares about his clients.


Over 90% of his clients are returning customers or referrals demonstrating his attitude and long term relationships with clients.


Andrew McCrossan


Andrew has been established since 2003 and is one of the few mortgage advisers to have the prestigious high level DipMAP mortgage qualification.


90% of clients are returning customers or referrals.


Andrew is also a member of the Equity Release Council, committed to the highest standards of advice.


T: 01622 826150


andrew.mccrossan@equitylifeuk.com www.equitylifeuk.com


The Old Library, St Faiths Street, Maidstone ME14 1LH


Equity Life UK is Appointed Representative of New Leaf Distribution Ltd. New Leaf Distribution Ltd. is authorised and regulated by the Financial Conduct Authority Number 460421 For retirement mortgages your home is at risk if you do not keep up repayments on your mortgage


Raise money for; • Home improvements • Holiday of a lifetime • Gifting to family member for a deposit towards a home purchase or funding school fees


• Repay an existing mortgage • Repay unsecured debt have funds for everyday living


Other reasons can include to purchase a holiday home, estate planning, to fund long term care or to pay for private medical costs.


HOW DO WE DISCUSS THIS? – Andrew is happy to carry out meetings at the Maidstone office, in the comfort of your own home, by phone or video call. To start with please call to see if it is worth while arranging a meeting.


Eat Well… Drink Well…


· Organic Coffee and a Green Tea's · Homemade Toasties, Paninis and Vegetable Dumplings (MoMo’s) · Cakes and Pastries


· Friendly Comfortable Environment and Outside Seating · Selection of Summer Drinks


Emergency Appointments & Free Parking


Emergency Appointments & Free Parking


Recently renovated... Independent


Dentistry Dentistry


New Patients Welcome


Recently renovated... Independent


New Patients Welcome


Nervous Patients AFFORDABLE, QUALITY


Nervous Patients AFFORDABLE, QUALITY


DENTAL CARE DENTAL CARE


What our patients say: ‘I was put at ease straight away’


What our patients say: ‘I was put at ease straight away’


Call 01622 741817 or book online on our website


Call 01622 741817 or book online on our website


‘The receptionist, nurse and dentist are always excellent’ ‘Best dentist I’ve had’


‘The receptionist, nurse and dentist are always excellent’ ‘Best dentist I’ve had’


www.orcharddentalmaidstone.co.uk 4 Mangravet Avenue, Maidstone, ME15 9BQ


www.orcharddentalmaidstone.co.uk 4 Mangravet Avenue, Maidstone, ME15 9BQ


22 Union Street Maidstone ME14 1ED


01622 600468 www.himalayanleaf.co.uk


Maidstone October 2019 17


· Free Wifi and Loyalty Card Scheme · Parking Available Nearby


ORGANIC COFFEE AND SPECIALITY TEA FROM THE FOOTHILLS OF THE HIMALAYAS.


COFFEES & TEA PRODUCTS TO BUY TO TAKE HOME.


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