Equity Release / Lifetime Mortgages from First Financial Solutions
A form of equity release, a lifetime mortgage allows homeowners to take a loan out on their home that is only repaid when they pass away or move to a care home, although interest payments can be made to reduce any debt.
Importantly, during the mortgage, you still own the property, and there is no threat of repossession (as long as the terms and conditions of the mortgage are met).
The Benefits
The amount of money you can receive is dependent on a number of factors, including your age(s) and how much your property is worth. Some lifetime mortgage providers also take your health and lifestyle into consideration. You receive the money as a tax-free lump sum.
You should always enrol the services of a financial adviser if you’re thinking of getting a lifetime mortgage, as other options may be available to you – and that’s where First Financial Solutions can help. We are a member of the Equity Release Council and have access to the whole market which means.
We will be able to recommend which type of lifetime mortgage best suits your individual needs.
You should always think carefully before securing a loan against your property.
A lifetime mortgage will reduce the value of your estate and may affect your entitlement to means-tested benefits.
Clearing an existing mortgage with a lifetime mortgage may result in higher cost of borrowing.
First Financial Solutions LLP charges a fee for later life mortgage advice. The fee is up to £455.
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Your home may be repossessed if you do not keep up repayments on a mortgage or any debt secured on it. There may be a fee for mortgage advice. The fee is up to 1% but a typical fee is 0.3% of the amount borrowed and a typical fee is £445.
Partners: Paul Silver, Matthew Thomas
First Financial Solutions LLP is registered in England and Wales No OC305282 at 141 High Street, Chalfont St Peter, Bucks SL9 9QL.
First Financial Solutions LLP is an appointed representative of Mortgage Advice Bureau (Derby) Limited which is authorised and regulated by the Financial Conduct Authority.
First Financial Solutions LLP. Registered Office: 141 High Street, Chalfont St. Peter, Gerrards Cross, Buckinghamshire, SL9 9QL. Registered in England Number: OC305282.
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