Catherine McFarland
March 2024
Your comprehensive guide to retirement mortgages
Whether you’re retired or approaching retirement, find out about your mortgage options - from capital and interest (repayment) to standard interest-only or retirement interest-only through to a lifetime mortgage.
Nick Russell
February 2024
Exploring Interest-Only vs. Retirement Interest-Only (RIO) Mortgages: Which One Fits Your Financial Future?
Are you over 50 and finishing up your Interest-Only mortgage but still haven't paid off the capital? If you want to keep your interest-only set-up and stay put, you've got two choices: stick with a regular interest-only mortgage or consider a retirement mortgage.
Catherine McFarland
January 2024
Can I get a mortgage at 60?
Many think they can’t get a mortgage if 60 and over, and their only option is a equity release. This is a myth and other options are available.
Catherine McFarland
November 2023
Can older mortgage prisoners remortgage?
Of the estimated 200,000 UK mortgage prisoners trapped in high-interest rate mortgages, a third should be able to switch to lower rates, says the Financial Conduct Authority (FCA).
Catherine McFarland
November 2023
I’m over 50 and my interest-only mortgage is ending soon; what should I do?
Find out what you can do when your interest-only mortgage ends, including several mortgages tailored specifically for older borrowers.
Catherine McFarland
November 2023
The pros and cons of an interest-only mortgage for older borrowers
Many think it is not possible to get an interest-only mortgage past 50. This simple guide will debunk those myths.
Catherine McFarland
October 2023
A Guide: Help for Mortgage Prisoners
What help is there for mortgage prisoners in later life? Find out in our step-by-step guide.
Catherine McFarland
October 2023
Is equity release a scam?
Understand the pros and cons of equity release and how avoid scams when using home equity for retirement cash.
Catherine McFarland
October 2023
What should you consider before choosing equity release?
Before opting for equity release, understand the implications and take time to weigh up alternatives.
Catherine McFarland
October 2023
What are the pros and cons of equity release?
By understanding the pros and cons of equity release, you can assess whether unlocking home equity is right for you.
Catherine McFarland
October 2023
A guide to understanding equity release
Understand how equity release mortgages work with our easy to understand guide.
Catherine McFarland
September 2023
The 7-year rule in inheritance tax
What is the inheritance tax 7-year rule? The inheritance tax 7-year rule allows you to gift assets without incurring inheritance tax.
Catherine McFarland
September 2023
How to minimise the inheritance tax on your property
Passing down your home to loved ones? Inheritance tax can take a huge chunk out of what you leave behind.
Catherine McFarland
September 2023
How much is inheritance tax and how is it calculated?
Learn more about what assets are included, the current 40% tax rate, plus any allowances and exemptions.
Catherine McFarland
September 2023
What is inheritance tax and how does it work?
Learn about how inheritance tax works, current thresholds and exemptions, who pays, and how to potentially reduce liability.
Phil Quinn
March 2023
There are huge opportunities in 50-90+ mortgages.
What is immediately apparent about the 50-90+ market is the sheer size of the opportunities for intermediaries.
Simon Webb
November 2022
The Bank of Mum and Dad is open!
It has been well documented that if the Bank of Mum and Dad was actually a bank it would be a top 10 lender.
Phil Quinn
November 2022
Self-employed borrowers can benefit from a flexible approach to affordability
It is generally thought that if a person is self-employed, their options to secure a mortgage become more limited.
Leon Diamond
August 2022
Why 10-year fixed rates with five-year ERCs offer the best of both worlds
People can sometimes look at longer-term products with a perception of being stuck with it.
Tori Johnson
May 2022
Hundreds of thousands of 'pensioner mortgage prisoners' may be forced to sell
A wave of interest-only borrowers, are at risk of becoming so-called “pensioner mortgage prisoners”.