Couple planning their retirement

People retiring over the last twenty years, have on average, seen enormous rises in the value of their homes. Figures show that house prices have risen in England by 42% in the last twelve years alone.

These figures highlight that your home could be an obvious asset to tap into in retirement? Money released from your home could be used to support retirement or help others. For example, helping adult children get onto the housing ladder.

Flexibility to funding your retirement.

The Governments changes to pension regulations have allowed greater flexibility in accessing pensions.

Additionally, people are using other sources of income such as savings and Individual Savings Accounts (ISAs) to support their retirement, instead of immediately taking their pension. This is also partly due to people considering their home as one of these potential sources of income.

This is one of the reasons that we have seen such an increase in the lifetime mortgage market.

Attitudes to mortgages are changing.

Paying off your mortgage was most people’s financial priority before reaching retirement. Research shows that around 1.8 million people over fifty with an interest-only mortgage will not be able to repay their loan. Some might be relying on receiving an inheritance or plan to sell up and downsize.

For some moving home would be the last thing they would wish to do. You might be close to your friends and family. Also, your home can hold some very strong family memories that you do not wish to give up.

This is why your home should be reviewed as part of your asset mix when creating your retirement plan and the same way as your pensions and investment are.

How Anstee & Co can help you with your retirement plans.

The first fact-finding meeting is free. We will not undertake any work for you until we know that we can help you. We will then provide a quote in writing confirming what work we will undertake.

Experienced has shown that with professional financial planning you can make your retirement far more secure. Why not arrange a meeting today.

Our financial planners will see you at our offices based in-

• Kettering, Northamptonshire
• Stamford, Lincolnshire
• Birmingham, West Midlands
• London, Central London

We also make use of meeting rooms in Bedford, Wellingborough, Towcester, Northampton and Worchester.

Meetings can also be arranged at your home if you prefer.

Recent figures released by the government show that over 300,000 home have been brought with the help of initiatives. This may have been with help through the equity loan scheme, shared ownership or the Help to Buy ISA.

What is Help to Buy?

The Help to Buy, equity loan scheme, allows buyers to borrow a maximum of 20 per cent of the price of a new build property. This scheme amount is capped at £600,000. Applicants are required to put down a five per cent deposit, with a mortgage for the difference. For applicants living in London, the amount of support is doubled to forty per cent. Similar schemes operate in Scotland, Wales and Northern Ireland.

Shared ownership helps when you would struggle to afford a full mortgage. It allows you to buy a share in a home and then pay the difference as rent. Usually at a discount rate.

If you save into a Help to Buy ISA you will receive a government bonus of up to £3,000 when you purchase your home. If you are buying your home with your partner you both can have an account. That’s then two amount of £3,000. £6,000 towards your new home. You can see why the scheme has proved popular as over one million people have opened accounts.

How Anstee & Co can help you with Help to Buy.

For more details check out our website to understand which scheme is best for you.

Our website provides you with details of current mortgage rates. As we are independent mortgage advisers we look at available rates for you. We do not just work of a limited panel like some brokers.

Why not contact us today to arrange an appointment. The meeting is free.

Our mortgage adviser operate out of our offices located at-

• Kettering
• Stamford
• Birmingham
• London

The team also make use of meeting rooms at Towcester, Wellingborough, Bedford, Northampton, Grantham and Worcester. A meeting can also be arranged at your home or place of work at a time that is convenient for you. Contact us today to take your first step towards home ownership.

This year’s guest speakers are as follows-

Cheryl Douglas – Host and Founder of, “It’s Your Time to Shine”.

Topic: When Woman Lives Empowered Lives….

Caroline Anstee – Managing Director of Anstee & Co., Independent Financial Advisers.

Topic: Women and Money

Gemma Dearsley – RN and Founder of, The Lighthouse Centre.

Topic: Women and Stress Management.

During the day there will be an opportunity to view a variety of stalls with products and services to pamper your body, soul and mind.

This year “It’s Your Time to Shine” event will be held on Sunday 28^th January 2018. The venue is The Fitz John Hall, Moulton Community Centre, Reedings, Moulton, Northamptonshire NN3 7AX. Starting at 10.00 am with registration at 9.30 am and finishing at 4.00 pm. Tickets are £15.00 each and can be purchased directly from Cheryl on 07505 121 460.

Caroline Anstee, Managing Director of Anstee & Co. said-

“I am looking forward to speaking at this year’s event. A couple of my colleagues will also be attending. I will be talking about the emotions of money and how this can impact on us and the financial discussions that we make. I am sure that the event will be a great success”.

How Anstee & Co can help you with financial advice.

We have a team of independent financial advisers (IFA’s) who would be able to help you with your personal financial planning. The initial meeting is at our cost. A meeting can be arranged at our office located at

• Kettering
• Stamford
• Birmingham
• London.

Financial advice is also given at meeting rooms located in Worchester, Northampton and Bedford.