Equity release continues to grow in popularity.

Over the last year, we have seen the equity release market continue to grow. Furthermore, market commentators now estimate that lending has reached over £4 billion.  So why the continual growth? Product Innovation. Many feel that the growth in equity release has been driven by lender innovation.  Across the whole of the later life lending [...]

2019-02-01T17:20:01+00:00 February 14th, 2019|News|

Equity Release: Planning for Later Life.

Originally equity release was designed for older people who wanted to increase their income in retirement by releasing some of the equity tied up in their homes without downsizing. The equity release market is very competitive with lenders bring out more initiative products that can offer more flexibility than before. These new products still offer [...]

2018-10-11T10:07:08+00:00 October 11th, 2018|News|

What Does a Financial Designer Do?

By Rachel Efetha, Chartered Financial Planner.  At our recent company meeting, Managing Director, Caroline Anstee, asked us all, what we do.  Some of the responses were: We make peoples goals and aspirations come true Give peace of mind and financial security Act as a counsellor Change peoples lives Sort out problems Educate The outdated stereotype [...]

2018-08-09T11:51:57+00:00 August 28th, 2018|News|

Pensions: Don’t underestimate their value in divorce.

Relationship breakdowns can be emotionally tough and financially expensive, so try and avoid these mistakes. Have any pensions professionally valued. The valuation of a pension is never straightforward. Some pensions include guaranteed levels of income and built-in inflation protection. The value of these features can be misunderstood. It is essential that when getting a divorce [...]

2018-08-20T09:44:25+00:00 August 20th, 2018|News|

Congratulations to Sam.

Congratulations to Sam Williams on passing another of his professional exams. The Chartered Insurance Institute (CII) Pension exam (RO4).  Sam has one more exam to pass before completing “The Diploma in Regulated Financial Planning. Caroline Anstee, Managing Director of Anstee & Co said- "This is a great achievement. Sam has worked hard in completing and [...]

2018-08-03T14:57:26+00:00 August 3rd, 2018|News|

Pensions – It’s never too late to save for your retirement.

By Rachel Efetha, Chartered Financial Planner. Whilst the 40 somethings parents and grandparents enjoyed a job for life and a pension from their employer based on the number of years service and their final salary, along with a state pension at 60 for women and 65 for men, most non public sector employees do not [...]

2018-07-06T11:12:52+00:00 July 23rd, 2018|News|

A mortgage that you never need to repay.

Over the last few months, a number of mortgage lenders have announced interest-only mortgages designed for retired people. These interest-only mortgages will run until the death of the mortgage holder. Why is this happening? Traditional interest-only mortgages were popular in the Nineties and 2000s. Interest was coved monthly and additional funds were paid into a [...]

2018-05-31T20:51:35+00:00 June 1st, 2018|News|

Do you want to be a “Silver Striver”? The dos and don’ts.

What is a silver striver I hear you ask? Is it a new superhero from Marvels Infinity Wars film? Well no, a silver striver is the new term being used by marketing types for people who are working past their retirement date. If this is something that you are considering out of choice or necessity [...]

2018-05-29T14:06:34+00:00 May 28th, 2018|News|

3 Reasons Why You Should Review Your Existing Pension Contracts

By Rachel Efetha, Chartered Financial Planner, based in Bedford, Bedfordshire. According to the insurer, LV= the UK worker will change jobs every five years on average.  Assuming you have a new pension for every job, the average 40-year-old will have accumulated five pensions. Below are the top three reasons why you should review your existing [...]

2018-05-04T16:10:48+00:00 May 7th, 2018|News|