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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 Andrew’s clients are returning
Andrew McCrossan
customers or referrals, highlighting his attitude and long term relationships with clients.
Andrew has been established since 2003 and is one of the few mortgage advisers to have the prestigious high level DipMAP mortgage qualification.
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 family members a deposit towards a home purchase or funding school fees
• Repay an existing mortgage • Repay unsecured debt • Money 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.
Independent Financial Advice Retirement Specialists
Independent Financial Advice Retirement Specialists
Providing advice on Company Pensions (including Final Salary Schemes) and Personal Pensions.
Providing advice on Company Pensions and Personal Pensions.
Also providing advice on Investments, Personal Protection (life cover etc.), Estate / Inheritance Tax Planning, Wills, Powers of Attorney and Trusts.
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 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 cli nts. This is achieved by ensuring that we financial plans to address those needs.
Mortgage or Equity Released from your home will be secured against it
Contact us for a free consultation to look at your options.
Contact us for a free consultation to look at your options.
01622 391 444
mark.hidson@handffinancial.co.uk www.handffinancial.co.uk
01622 391 444
info@handffinancial.co.uk www.handffinancial.co.uk
H&F Financial Limited Suite 1B Frederick House Brewer Street Maidstone Kent, ME14 1RY
H&F Financial Limited Granville House Granville Road Maidstone Kent 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 55
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