State Pension Explained: How Much Will I Get and When Can I Claim It?
Learn how State Pension works, how much you could receive, when you can claim it, and how to maximise it for retirement.
Helpful guidance for life’s important financial decisions
Financial Guides, Insights & Resources
Workplace Pension vs Private Pension: What's the Difference?
Choosing the right pension strategy can feel complicated, especially when comparing pensions types.
How Much Money Do I Need to Retire Comfortably in the UK?
One of the biggest questions people ask when planning retirement is: “How much money do I need to retire comfortably?”
10 Ways to Increase Your Pension Before Retirement
Whether you are in your 30s, 40s, 50s, or approaching retirement, taking action today can make a meaningful difference.
What Happens to My Pension When I Change Jobs?
Changing jobs is an exciting step, but it can also create questions about what happens to your workplace pension.
Annuity vs Pension Drawdown: Which Is Better?
When you retire, one of the biggest decisions you may face is how to turn your pension savings into retirement income.
Bad Credit Mortgages: Can You Still Get Approved?
If you have a poor credit history, you may be wondering whether getting a mortgage is still possible.
10 Common Myths About Sourcing and Paying for Care
There are many common myths about paying for care, from what support is available to whether you may need to sell your home. Here are ten of the most common misconceptions. 1. Care is free Only in certain circumstances. Firstly, it is important to understand the difference between social care and health care . Social…
How does equity release affect Inheritance Tax?
An equity release scheme can be an attractive option for homeowners aged 55 and over. It enables you to access the equity tied up in your home as a lump sum, regular payments or a combination of both. Whether you want to improve your standard of living, carry out home improvements or help your children…
Remortgage vs Equity Release
If you are over the age of 55 and looking to release money from your home, comparing a remortgage with equity release can feel complex. Whether you want to top up your income or require a lump sum, this guide explains the differences between remortgaging to release equity and using an equity release plan. Homeowners…
Downsizing vs Equity Release: What’s the Difference?
After the challenging past few years we have all experienced, many people are looking for different ways to unlock money to help fund their lifestyle. For those aged 55 and over, one option is equity release, which enables you to unlock money tied up in your home. But is this the better option, or would…
Who is eligible for equity release?
Equity release enables you to unlock funds tied up in your property. This money can be used for almost any purpose, whether you want to help your children buy a home, top up your monthly retirement income, carry out home improvements or even enjoy the holiday of a lifetime. Before considering equity release , you…
Buy-to-Let Mortgage Guide
This Buy-to-Let Mortgage Guide provides useful information about the buy-to-let market, rental criteria, affordability and everything you need to know about purchasing an investment property and growing your portfolio. What is a Buy-to-Let? A buy-to-let property is purchased for the sole purpose of being rented out to tenants, rather than being occupied by the purchaser.…
Can I use Equity Release to buy another house?
An equity release scheme enables you to access some of the funds tied up in your property. One of the main benefits of these schemes is that you are free to use the money in whatever way best suits your circumstances. For example, you may choose to receive monthly payments to top up your retirement…
Equity Release: What happens when you die?
We don’t like to think about what will happen when we are no longer here. However, understanding what happens to equity release when you die is important, as the mortgage will usually be repaid after your death or if you enter long-term care . Equity release has enabled many homeowners to enjoy a better quality…
How do you pay back Equity Release?
There are many different reasons why people consider equity release . For some, it is an effective way to top up their monthly income and enjoy a better quality of life. Others want to access a lump sum to help their children, purchase a new vehicle or meet other financial goals. Whatever your reason, one…
Equity Release: Pros and Cons
An equity release is a financial product that enables you to release equity, i.e. cash, from your property. This is something you may be able to do if you are aged 55 or over. You can either take the funds in small amounts or access a lump sum. Some people decide to choose a combination…
Is an Offset Mortgage Right for Me?
If you usually have a reasonable amount of cash sitting in a savings account earning a low interest rate but have an outstanding mortgage balance, then an Offset Mortgage could be right for you. An Offset Mortgage links your mortgage account to a savings account and offsets the balance of one against the other. For…
Can Equity Release Help Repay an Interest-Only Mortgage?
With the use of equity release surpassing £3 billion in 2017, an increase of 120% since 2016, could equity release for an interest-only mortgage be a solution for some of the estimated 1.7 million customers who need to repay their loan? This issue is particularly worrying considering that 200,000 of these customers have their mortgages…
5 Common Equity Release Myths Explained
The popularity of equity release has grown significantly in recent years, and for good reason. It has changed considerably over time and is proving to be a financial solution for many people, so industry experts suggest it will continue to grow. However, despite its appeal to some, there continue to be misconceptions amongst the public…
