Advisers, solicitors and providers all in one place to answer your equity release questions. Information and strategies to help with all your retirement planning and remortgage questions.
Providers
Just Retirement
For the retirement you always looked forward to
We are a specialist company providing innovative financial products. As our name suggests, we are just about retirement.
Our aim is to help people make the most of their pension and property assets. We achieve this by working with financial advisers to provide products which are tailored to meet a customer’s particular set of circumstances and are designed to improve their quality of life during the years ahead.
We launched our Equity Release plan in 2005 and we are currently the 2nd largest provider in the UK*. In just three years we have advanced more than £350m to thousands of people.
Use your home to provide for a better retirement
Equity release enables you to unlock money from your home while you still live there, and you do not have to make any repayments until the property is sold, either on your death or when you move into care.
To qualify for an equity release plan from Just Retirement you must be over the age of 60 and own your property.
Our Equity Release plan offers competitive rates, flexibility to manage how and when you release money, along with a friendly, reliable and efficient service.
Find out more about equity release, how it works and our products, by visiting our website.
Our guarantee
Modern equity release plans are flexible and those backed by members of the trade body Safe Home Income Plans (SHIP) offer a guarantee that you will never owe more to the product provider than the value of your property.
Members of SHIP, which includes Just Retirement, have to comply with a code of practice designed to protect customers.
**Source: 16% market share, SHIP and Companies published New Business figures, Quarter 2, 2008.
Stonehaven
The Equity Release Specialists
About Stonehaven
We are one of the few companies who specialise in equity release. It's all we do. That's why we've been able to develop the widest range of Lifetime Mortgages and to tailor our service standards around you and our products.
Launched in 2006, we have already become one of the leading companies offering equity release. Importantly, we are regulated by the FSA (Financial Services Authority) and we are a member of SHIP which is the authoritative body for equity release providers dedicated entirely to the protection of customers.
Our products are available through financial advisers who are qualified to advise on Lifetime Mortgages. This means that an independent financial adviser will be able to recommend one of our products to you if it is the most suitable solution to meet your needs.
So what makes us different?
* Secure backing - Our funding is provided by one of the world's leading banks which means you can have peace of mind in times of uncertainty.
* More choice - We offer the widest range of Lifetime Mortgages and have created our products to be flexible, so that they can be tailored to meet your individual circumstances.
* More guarantees - We believe it's important that we offer you certainty. That's why we offer more guarantees than any other provider of Lifetime Mortgages
* Award winning - We are very proud that we achieved three awards at the 2007 Equity Release Awards presented in November, including the prestigious Best Provider of Lifetime Mortgages Award.
We also won the Most Innovative Product Provider for the second year running and the Best Technology Provider.
The National Equity Release Awards are based upon the results of an in-depth survey of financial advisers' attitudes and preferences in the equity release markets. Financial advisers were asked to vote for the provider that most stood out as delivering excellence.
Stonehaven is a member of SHIP.
• Guarantees you will never owe the lender more than the value of the property in the event of your death, or move into long-term care. This is called a 'no negative equity guarantee'.
• Guarantees that you can move home and take the loan with you without being charged an early repayment charge.
• Insists that all clients seek independent legal advice.
New Life Mortgages
The Lifetime Mortgage Specialists
New Life Mortgages was formed in 2003 to specialise in providing equity release mortgage loans to the over 55's. Its lifetime mortgage products are available exclusively through suitably qualified advisers who will ensure you are provided with fully independent financial advice.
All of our lifetime mortgage products comply with the SHIP (Safe Home Income Plans) Code of Conduct to ensure that you, as borrowers, are fully protected. That means you will be free to move home and guarantees that you or your estate will never have the worry of negative equity.
We lend in the UK including mainland Scotland and consider Age Restricted and Sheltered properties. We offer competitive interest rates and provide some of the highest percentage lump sum mortgages available within the equity release market. We also offer flexible loans allowing you to borrow what you need now with access to extra funds as and when you need them. All of our mortgage products have clear and transparent early repayment charges making the plans simple to understand and giving you flexibility should any unexpected events arise later.
Investment Properties
If you own an investment property or investment property portfolio, a holiday home, or a second home then we have a UNIQUE range of products allowing you to use these to release capital without the need to make on-going monthly repayments.
Our excellent and competitive product range, impressive service standards , clear and transparent early repayment charges and dedication to treating customers fairly have all contributed to New Life Mortgages winning the What Mortgage Best Lender for Lifetime Mortgages 2008 Award.
Note: New Life does not offer advice and its lifetime mortgage products are only sold through intermediaries who are authorised and regulated (as we are) by the Financial Services Authority and who have passed an approved examining board's specialist examination in equity release. If you are interested in a lifetime mortgage, you should ask your adviser for a personalised illustration.
Home & Capital
Home & Capital
The specialists in equity release for 30 years
At Home & Capital we only specialise in equity release and we’ve been doing this for 30 years so we like to think we know a thing or two about what we’re doing. We provide tailored home reversion products to meet our customers’ needs as well as offer ‘Whole of Market’ advice via our specialist advisers Home & Capital Advisers Ltd throughout the UK.
Having been established in 1978 and being one of the oldest and most well respected equity release company’s in the market today we have experience to help our customers through the good times as well as the bad.
We have been recognised as leaders in our field by Moneyfacts the independent data and research publisher who have awarded us the Moneyfacts Best Home Reversion Provider in both 2007 and 2008.
We are a founder member of Safe Home Income Plans (SHIP), launched in 1991, and as such continuously work to offer the highest levels of consumer protection.
Our specialist ‘Whole of Market’ advice teams are fully qualified and able to advise you on all the leading products in the market as well as Home & Capital’s own range of products.
Established in 2006 Home & Capital Advisers Ltd has been recognised for its excellence by the readers of What Mortgage magazine who voted us ‘Equity Release Adviser of the Year’ 2008.
Bridgewater
Based in Newcastle
Bridgewater Equity Release Limited is a wholly owned subsidiary of Grainger plc. Listed on the London Stock Exchange, Grainger was established in 1912 and is the largest quoted residential property owner in the UK and a specialist in managing property for the retired. In the UK, nearly one in every two home reversion plans taken out with SHIP members are managed by Grainger and its subsidiary Bridgewater.
Bridgewater is an equity release specialist regulated by the Financial Services Authority and is a founding member of SHIP. In total, Bridgewater has completed 3,000 home reversion plans and with Grainger has over 6,000 retirement solution customers. Our customers have used their cash sums for a multitude of reasons from helping their grandchildren to get onto the housing ladder to buying that dream cruise around the world. There are no restrictions on how the money is used.
Why come to Bridgewater?
• We are a long term residential property specialist not a lender so keeping you and your home safe and well maintained is our priority
• Your rights to live in your home rent free for as long as you choose to is legally protected
• You can move house (subject to the new property being agreed by us).
• Those customers who only sell a proportion of their home are guaranteed the ability to come back to Bridgewater to release more equity at any time in the future.
• We are members of SHIP and are regulated by the Financial Services Authority.
Hodge Lifetime
Equity Release Provider in the UK.
Hodge Lifetime
Retirement solutions since 1965
Hodge Lifetime is the trading name of Julian Hodge Bank Limited and Hodge Life Assurance Company Limited.
Julian Hodge Bank is an authorised institution under the Financial Services and Markets Act 2000 and is well capitalised, making profits in excess of £20 million in 2007. The Bank currently employs around 90 staff with capital reserves of £160 million and total assets of £590 million.
Hodge Life Assurance Company is authorised and regulated by the Financial Services Authority and is a founder member of Safe Home Income Plans (SHIP). The company is subject to the Financial Ombudsman Service (FOS) jurisdiction and is covered by the Financial Services Compensation Scheme (FSCS).
In 2007, Hodge Life made profits of over £9 million and has capital and reserves of £51 million with total assets of over £154 million.
Hodge introduced the very first equity release plans in 1965 and is the longest established equity release provider in the UK. Our retirement solutions are available exclusively through intermediaries and are tailored to meet the individual requirements of the client.
With over 40 years experience within the industry, we have developed extensive knowledge of the expert service expected by consumers when purchasing an equity release plan.
Available from age 55, our plans are simple to understand, flexible and transparent which fully supports the company ethos of treating customers fairly and conducting open and honest business.
Voted “Best Service Provider” at the Equity Release Awards in 2006 and 2007, we are committed to providing our intermediary partners with a superior standard of service to support the development of their equity release business.
Retirement Plus
Equity Release Provider in the UK.
The Retirement Plus range of home reversion equity release plans allow UK residents, aged 65 or older,to receive full market value for a share of their property at the start of the plan. In return for which they grant Retirement Plus an option to acquire an increasing beneficial share in the property, over the life of the Plan. Significantly, these products enable the owner to release their share of the property over time, rather than giving up the full amount at inception. The homeowner can also elect to retain a 'protected share' of the property.
Retirement Plus Ltd. is authorised and regulated by the FSA and is a member of SHIP.
Paul, Michelle, Kerry, Grace, Kelly and Natalie – they've all got your interests at heart. The Retirement Plus team's view is that older clients need specialist advisers when they're looking at the options available in the equity release market. And that's why we're supporting moneyfrommyhouse.com – to give you the speedy and efficient service you deserve
www.retirement-plus.co.uk.