Retirement Mortgages Guide

    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.
    RIO Mortgage Compared

    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.
    Can I get a mortgage at 60?

    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.
    Can a Mortgage Prisoner Remortgage

    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).
    Interest Only Mortgage Ending Soon

    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.
    pros and cons of an over 50s interest-only mortgage

    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.
    Mortgage Prisoner Guide

    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.
    Is equity release a scam?

    Catherine McFarland

    October 2023

    Is equity release a scam?

    Understand the pros and cons of equity release and how to avoid scams when using home equity for retirement cash.
    What should you consider before choosing equity release?

    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.
    What are the pros and cons of equity release?

    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.
    Equity Release Guide

    Catherine McFarland

    October 2023

    A guide to understanding equity release

    Understand how equity release mortgages work with our easy to understand guide.
    7 year rule and inheritance tax

    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.
    Reduce Inheritance Tax on Property

    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.
    How much is inheritance tax

    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.
    Inheritance Tax Guide

    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.
    There are huge opportunities in 50-90+ mortgages. Who will take them?

    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.
    The Bank of Mum and Dad.

    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.
    Self-employed borrowers can benefit from a flexible approach to affordability

    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.
    Why 10-year fixed rates with five-year ERCs offer the best of both worlds

    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.
    "My bank said I had to quadruple my mortgage payment or sell my home' Hundreds of thousands of 'pensioner mortgage prisoners' may be forced to sell"

    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”.

Think carefully before securing other debts against your home. As a last resort, your home may be repossessed if you do not keep up with payments.

An equity release product will reduce the value of your estate, is not suitable for everyone and may affect your entitlement to state benefits. To better understand the features and risks please ask your Adviser for a personalised illustration.

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