June 2019


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  • How to make the LISA better

    16 August 2017

    Scottish Friendly has put forward a 6-point plan to correct the flaws it sees in the Lifetime ISA Scottish Friendly has outlined a series of recommendations to enhance the Lifetime Isa (LISA) and help it achieve its potential. The Glasgow based financial mutual has called on the Government to reform the product to ensure...

  • How many of your clients over 65 have interest-only mortgages?

    6 July 2017

    New research suggests that more than 40% of over-65 homeowners are on interest-only mortgages. The latest research from equity release lender more 2 life has revealed that 41% of over 65-year-olds with a mortgage are on an interest-only product. Of these borrowers, almost 4 in ten are 65-74 year olds and over half (56%) are over...

  • more 2 life launches ‘The Bigger Picture’ campaign 

    8 June 2017

    Equity release provider more 2 life has launched an initiative to encourage advisers to consider all circumstances when advising on equity release, including inheritance protection. Equity release lender, more 2 life, has launched a campaign urging advisers to see ‘The Bigger Picture’ when communicating with their clients. The initiative follows on from the company’s...

  • 2-year fixed rate buy-to-let mortgage aimed at professional landlords

    23 May 2017

    Foundation Home Loans has launched a new 2-year fixed rate deal aimed primarily at professional landlords borrowing large amounts. The new buy-to-let product, which will only be available for a limited time, offers a rate of 2.89% with a 1% arrangement fee. Minimum loan is £200,000, with the product available at a rental calculation...

  • Aegon raises concerns that householders are under protected on mortgage debt

    22 May 2017

    Aegon recently released protection claims statistics that reveal mortgage debt exceeds the average life insurance pay out, meaning people are likely to be under protected for the amount of mortgage debt they have. According to figures from The Money Charity[1], the estimated average outstanding mortgage for the 11.1 million households with mortgage debt in...

  • Tories social care cost proposals get mixed reaction

    18 May 2017

    In its manifesto the Conservative Party outlined its plans to tackle the social care crisis. These policies include increasing the threshold for free social care from £23,250 to £100,000. It also said it would extend the deferred payment plan to those receiving care at home. The scheme, currently available to those who decide to go into a care home, involves...

  • FCA decision on standalone equity release qualification goes against grain of market

    11 May 2017

    The FCA’s decision not to create a standalone equity release qualification for advisers has been seen as moving against current attitudes towards funding retirement. In Policy Statement PS17/11 Review of the FCA’s appropriate qualification exam standards the Regulator said that consideration of the standalone qualification was a result of concerns raised that adviser firms were...

  • Equity release demand set to see borrowing more than double by 2027

    19 April 2017

    Equity release lender more2life says that its recently conducted research estimates that the retirement lending market in the UK is set to rise from £65bn in 2017 to more than £142bn in 2027 – an increase of over 120%.  The research predicts that total debt among the over-65s will pass the £100bn mark by...