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The overwhelming majority of equity release arrangements are lifetime mortgages. This blog looks at what they are and how they work. I also consider the features of modern plans and look at how they have developed to meet the changing needs of customers.
Read MoreThe UK population paid £5.2bn in inheritance tax in the last tax year. That figure has been increasing rapidly over the last seven years: it’s almost double the £2.7bn received by the Treasury in 2011. Why Inheritance Tax is Increasing Rising house prices will be playing their part in that increase, but we believe many […]
Read MoreIn the first three blogs of 2019 I took something of a detour to look at topics as diverse as joint ownership of property, Lasting Powers of Attorney and tax planning for the new tax year. In this blog, I return to more well-trodden ground – and look at developments in the equity release market […]
Read MoreThe Financial tax year has come to a close, which means that we now need to look forward to the 2019 financial tax year and adjust to the changes that can affect all of us. But what are the changes that have been made? Find out here.
Read MoreIn this blog, I look at Powers of Attorney – what they are, the various types and the uses to which they are put. I also look at the alternative, the application process and the timing of applications to take account of the impact of the Mental Capacity Act 2005.
Read MoreIn this blog, I look at joint ownership of property. It is important to understand the distinction between joint tenants and tenants in common as it can have significant implications particularly on the death of an owner. Please see my notes at the end of this blog in the sections headed “Other issues Joint Ownership […]
Read MoreJanuary and February are the months when most mortgage borrowers will receive their annual mortgage statements from their lenders. For most borrowers, there is little to do apart from making sure that the statement records accurately all of the payments made. However, for borrowers with an interest-only mortgage, there are other things to consider. Lenders […]
Read MoreThe Equity Release Council have just published the lending figures for the third quarter of 2018. They make astounding reading.
Read MoreThe Chancellor approached this Budget with many of the most important decisions affecting the public finances already made for him, or at least out of his hands. The prime minister had already announced the “end of austerity”, and a £20.5 billion increase in NHS spending by 2022, while progress in the Brexit negotiations continue to […]
Read MoreMake sure you don’t run out of money or face a reduced standard of living. Increasingly, more and more pensioners are keeping much of their pension invested after they retire. This means they’re faced with two very different risks when deciding what to do with their savings in retirement in a world of ‘pension freedoms’. […]
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