equity release council lenders

We have a network of local, professional advisers across Scotland. 2) J-HAP Frequently Asked Questions. Equity Release Advisers Brokers Equity Release LENDERS. In addition, customers can choose whether to make optional repayments while benefiting from a range of other product features and safeguards. Metro Bank sells £3bn mortgage portfolio to NatWest, Brokers welcome lenders’ return to 90% LTV, High LTV borrowing costs rise 'substantially', House price growth accelerates despite lockdown. This means that, if the value of the property falls below the level of the debt, the company takes the hit and won’t pursue you or your estate for the shortfall. James Blair & Co charge an advice fee of £900 and will receive a commission from the lender, if you take out an equity release through James Blair & Co . Equity Release may involve a lifetime mortgage or Home Reversion Leveraging technology to provide innovative propositions for customers, financial advisers and funders. Canada Life has also moved to remote valuations for one of its product ranges, ‘Lifestyle Options’, while it works with its funding partners to reach a solution on its other ranges. Website: www.gatewaysurveyors.co.uk. By admin in Later life lending 9th December 2020 0. Equity Release Advisers Brokers Equity Release LENDERS. An award winning equity release provider, we’ve helped more than 200,000 customers unlock over £7 billion from their homes. Merry Christmas and a Happy New Year from everyone at the Council. Plus, the Equity Release Council has a code of conduct for safeguarding customers that goes over and above FCA Regulations. All lenders and advisers must adhere to the standards set by the Financial Conduct Authority (FCA). Aviva equity release, one of the most established equity release plan providers in the UK, have … The Equity Release Council has launched a Best Practice Guide to help advisers ensure they cover all bases when speaking to clients and documenting their needs. Information Hub. It can affect your benefits. Advice can be provided face-to-face, over the phone, via email, or alternatively via live chat support. Equity release is a means of retaining use of a house or other object which has capital value, while also obtaining a lump sum or a steady stream of income, using the value of the house.. Equity Release Council publishes best practice guide for advisers. Here we provide a comprehensive list of all the equity release providers from high street names to the smaller specialists. Members of the Equity Release Council, which represents around 90% of the market, attach a ‘no negative equity’ guarantee to the plans they sell. They are offered by big brand names that are best known for their insurance products or pension plans and specialists that have grown to become leading lifetime mortgage lenders. We search the whole of the UK equity release market with lenders approved by the Equity Release Council to find the best plan for you. 23 Dec 2020. The Equity Release Council also promotes the safe guidance of these products. Contact Details: [email protected] 01332 693100. Lenders We Work With. From today (April 29) Aviva will be offering remote valuations for certain initial loan applications and additional borrowing for its equity release products. Equity release allows individuals aged 55 and over to release money from the property they live in without having to make any monthly repayments. Equity release. Equity Release Council The Old Rectory Church Lane Thornby NN6 8SN 12-14 Shaw’s Road Altrincham England WA14 1QU. The company is owned by its founder Mark Gregory, a financial services professional with over 20 years’ experience in equity release and we now have a national network of over 50 advisers – which we are looking to expand. We’ve compared equity release providers below to help borrowers decide if they prefer to use a high street name or a specialist lender. All Rights Reserved. ©2020 Equity Release Council. All of our members have agreed to abide by the Council rules and have signed up to the Statement of Principles. All products that your Responsible Equity Release adviser will recommend will come from Equity Release Council-approved lenders, so you will benefit from all the safeguards that this assures. The Scottish Widows lifetime mortgage has been designed to help customers unlock an initial lump sum with the option of drawing down further sums at later dates. LV Equity Release. Other lenders that are offering desktop valuations while surveyors are unable to visit properties include Hodge, Pure Retirement and LV. Please be aware that this will add to your legal fees, so we recommend that you shop around to obtain a quote" *. Equity release is, in a nutshell, a way to unlock the value of your property and turn it into a cash lump sum. Lorraine Cox (pictured left) takes up the role of membership and business development manager to further support and add value to the organisation’s membership. Most lenders are members of the Equity Release Council and abide by their rules, which includes the no negative equity guarantee. The guide, which complements its Checklist for Advisers, is designed to … The Equity Release Council has launched a Best Practice Guide to help advisers ensure they cover all bases when speaking to clients and documenting their needs. Equity Release Loans is a trading style of Equity Solutions Limited. It uses aggregated data supplied by all active provider members of the Council to create the most comprehensive view of consumer trends and product uptake across the equity release industry. An award-winning specialist UK financial services company created by the merger of Just Retirement Group and Partnership Assurance Group. See reviews, photos, directions, phone numbers and more for the best Real Estate Loans in Carthage, MO. 'Home equity release' lets you access some of your equity, while you continue to live in your home. The Equity Release Council is the industry body for all things relating to equity release, and is a self-regulated, non-profit organisation. Equity release provider OneFamily meanwhile is using surveyors with knowledge of an applicant’s area to carry out desktop valuations. There are also options to protect a minimum sum for the purposes of inheritance. NN6 8SN. 12708681 Data Protection No: ZA768479. When considering an equity release plan we recommend customers talk to a specialist member of the Equity Release Council. Menu. Lifetime mortgage providers. Rates and charges are always clear. However, older people may wish to release equity from their homes to pass on money to grandchildren before their death, and it can be a useful tool in inheritance planning. ... A specialist lender with more than 50 years’ experience in later life lending. Prior to FCA regulation, many lenders signed up to Equity Release Council (ERC) formerly known as Safe Home Income Plans ( SHIP ), a voluntary code of conduct that provides a number of guarantees. The "catch" is that the income-provider must be repaid at a later stage, usually when the homeowner dies. Just Retirement Equity Release. The lender ranked the top 10 reasons for an application decline. However, this will always be subject to the new property meeting the providers lending criteria as well assessing the value of the new property. BRS Equity Release is a completely independent organisation. You don’t need to have fully paid off your mortgage to do this. Equity release products should allow you to move to a different property, so long as it’s still acceptable collateral to the lender. We have selected some of the latest and most relevant Equity Release news from across the sector for you to read. Aviva Equity Release. Freephone Scottish Team 0808 1000 170 7 Days 8am - 8pm. GATEWAY SURVEYORS. Providers may offer products which do not comply with all of the Standards, so long as they explain this clearly to the customer. One of these, the No-Negative Equity Guarantee (NNEG), ensures you’ll never owe more than your home’s value. All lifetime mortgages offered by Compare the Market’s FCA-authorised equity release partner Responsible Equity Release are from lenders approved by the Equity Release Council. Remote valuations on its Lifestyle Options range are subject to a satisfactory on-site valuation within six months of completion, as well as temporary changes to Canada Life’s lending criteria. However these products will require customers to receive regulated advice, as have all equity release mortgages in the UK since 2005, unlike RIOs. Nationwide is the world's largest building society and a top-three provider of savings and mortgages in the UK with around 15 million members. Q My mother took out a lifetime mortgage for equity release in 2011. The rapid adoption of technology by lenders and advisers has been the “biggest milestone” of the year within the equity release market, according to a … These include a maximum property value of £1m in Greater London and £750,000 elsewhere, and listed properties are no longer accepted. 4. Any members of the Equity Release Council (ERC) must also adhere to their standards. Those lenders that are members of the Equity Release Council offer a no negative equity guarantee, meaning borrowers will never end up owing their lifetime mortgage lender more than the value of the property. Some say if the lender exits the market, then that’s it.” Many of the biggest equity release lenders have clauses that allow them to deny customers access to further funds. Equity Release Council sets out guidance to deliver more ‘personalised’ advice 9th December 2020 Leave a comment The Equity Release Council is urging to advisers to ‘respectfully and robustly’ challenge clients’ motivations when looking for lending solutions in its new Best Practice Guide, published today. It'll reduce the amount of inheritance you can leave, and may affect your tax position and access to welfare benefits. The Equity Release Council is a not for profit organisation that is recognised as the industry body for equity release. Industry-leading value,financial strength and exceptional service. Restrictions on physical property valuations during the first lockdown saw equity release lenders adapt to remote valuations. The Equity Release Council has expanded its senior ranks to support the trade body’s growing membership. More2Life Equity Release. Like the traditional mortgage market, surveyors play a key role in the equity release market valuing properties on behalf of product providers/lenders. Only advisers holding membership of the Equity Release Council promise to follow our stringent Statement of Principles for your added peace of mind. For example, some lenders won’t let you transfer your plan to a retirement property. Hodge Lifetime Equity Release. Equity Release Council sets out guidance to deliver more ‘personalised’ advice. The Equity Release Council is a not for profit organisation that is recognised as the industry body for equity release. Member of the Equity Release Council. The Equity Release Shop is the trading style of James Blair & Co appointed representative of Julian Harris Financial Consultants. Paul Bridgwater, head of lending proposition at OneFamily, said the lender wanted to enable applications for its lifetime mortgages despite current restrictions, and adjusted its processes so that customers can complete its lifetime mortgages “completely remotely.”. The concept of the Equity Release Council is to manage and supervise the Equity Release Industry, setting up agreements, rules and regulations that are fair to both the lender and the homeowner. Equity Release Lenders that we deal with: We recommend the plans that are offered as members of the Equity Release Council as they adhere to their code of conduct, and also have certain guarantees in … Other lenders including Aviva, LV=, Pure Retirement and more2life only have roll-up mortgages, although some capital repayment is allowed. The Equity Release Council is a not for profit organisation that is recognised as the industry body for equity release. Equity release calculator . There are two types of equity release; Lifetime Mortgages and Home Reversion plans. We have selected some of the latest and most relevant Equity Release news from across the sector for you to read. She is now thinking of releasing some equity to help with her quality of life and health issues and we were advised to look into the possibility of Equity Release. The concept of the Equity Release Council is to manage and supervise the Equity Release Industry, setting up agreements, rules and regulations that are fair to both the lender and the homeowner. We provide a service tailored to your specific needs and will search the whole of the UK equity release market with lenders approved by the Equity Release Council to find the best plan for you, taking into account your individual circumstances. In the guide extra focus is put on customers who may be vulnerable such as having physical … The Equity Release Council points out that equity release is one of the most regulated financial products in the UK and the industry is regulated by the FCA. Church Lane Thornby All of our members have agreed to abide by the Council rules and have signed up to the Statement of Principles. Skip to the content. Meanwhile, Legal & General is offering desktop valuations on all of its lifetime mortgages. To allow for any limitations compared to a physical valuation, OneFamily will operate an adjusted credit policy, by keeping part of the agreed loan for release when the property value can be confirmed with a physical valuation. Because of this, they will all come with certain product features. The guide has been produced by the council’s standards board, drawing on decades of experience from expert adviser members representing a variety of firms in the market. 1) J-HAP Press Release. Equity Release Council publishes best practice guide for advisers. For example, you may want money for home renovations, medical expenses or to help with living costs. The traditional equity release lenders such as Canada Life and Legal and General have been joined by high street names such as Nationwide Building Society, Santander, TSB and Lloyds Bank. The concept of the Equity Release Council is to manage and supervise the Equity Release Industry, setting up agreements, rules and regulations that are fair to both the lender and the homeowner. Season’s greetings. Many lenders also insist that the occupier has independent legal advice, which will need to be with a different solicitor to the one that you have instructed to act for you. As one of the UK's most established and trusted equity release lenders, with over 20 years' experience, we've helped over 250,000 people release more than £8 billion. Lenders. No negative equity guarantee. Lifelong banking customers are fed up of their treatment after they have reached a certain age. Skip to the content Freephone Scottish Team 0808 … Can anyone possible help with some advice on Equity Release on an ex-council flat. Stephen Lowe, group communications director at Just Group, also said his firm had adjusted its lending criteria so that it could carry out remote desktop valuations. We search the whole of the UK equity release market with lenders approved by the Equity Release Council to find the best plan for you. The amount borrowed was nearly £100,000 (about half the value of her … Moving house after equity release. The Council specifies Product Standards with which it requires its members’ products to comply. Our partner, Responsible Life, will only advise on Lifetime Mortgages from lenders who are members of the Equity Release Council. You can find one at Unbiased.co.uk, VouchedFor or the Equity Release Council. Company No. When considering an equity release plan we recommend customers talk to a specialist member of the Equity Release Council. Equity Release Supermarket is an award winning independent advisory firm at the forefront of the rapidly expanding equity release market. All lifetime mortgages offered by Compare the Market’s FCA-authorised equity release partner Responsible Equity Release are from lenders approved by the Equity Release Council. There are two models, face to face and telephone advice, both aimed at protecting the interests of the customer leading to the most appropriate and correct solution for each individual enquiry. Additionally, there is an My 80-year-old widowed Mother-In-Law purchased the property outright in 2002 and lives off the basic state pension. Lifetime mortgages are by far the most popular types of equity release schemes. Once instructed by the client or broker, the solicitor acting on behalf of the client will send out an initial questionnaire requesting further information. Under Equity Release Council standards, different solicitors must be employed on behalf of the client and the lender. 3) Personal Information Required for J-HAP Application. Equity Release Loans. Responsible Lending was founded as it saw a space in the market for an innovative lender that focuses on the issues faced by those aged 55 and over. View full details. *Equity Release Council … Equity release lending criteria are based on the value of the property increasing over time and they focus on issues that could affect the value or saleability. ... And, as a member of the Equity Release Council, your protection is our priority. Unlike many advisers we are not ‘tied’ to a specific lender at any one time. The council has recruited Lorraine Cox as membership and business development manager. The Equity Release Council has launched a Best Practice Guide to help advisers ensure they cover all bases when speaking to clients and documenting their needs. We provide a service tailored to your specific needs and our partners will search the whole of the UK equity release market with lenders approved by the Equity Release Council to find the best plan … 4) J-HAP Zone Map to determine if prospective home location is within the J-HAP Zone as well as provide further information regarding environmental restrictions. The Equity Release Council is the industry body for all things relating to equity release, and is a self-regulated, non-profit organisation. The Equity Release Council are a consumer centric trade body. A specialist lender with more than 50 years’ experience in later life lending. Nationwide Building Society lifetime mortgage . Award-winning retirement solutions designed to suit a wide range of needs. You can do this via a number of policies which let you access – or 'release' – the equity (cash) tied up in your home, if you're 55+. Legal and General Equity Release. Taking good care of your clients is our priority. The Old Rectory A Group of Companies who provide, manage and own Home Reversion Plans. Plus, the Equity Release Council has a code of conduct for safeguarding customers that goes over and above FCA Regulations. It's important to understand the features, costs and risks of a lifetime mortgage. Equity Release Scotland. The Equity Release Council has made the double appointment of a membership and business development manager and public affairs manager. Equity release lenders are changing their valuation processes as a result of restrictions on physical property valuations during the lockdown. The Equity Release Council has published a Best Practice Guide to complement its checklist for advisers and support firms when discussing and documenting customer needs. Responsible Lending will provide financial support to … Let’s look at the lifetime mortgage lenders. Equity release lenders are changing their valuation processes as a result of restrictions on physical property valuations during the lockdown. Use our calculator to see how much money you could release from your home with our lifetime mortgage. ERC was formed in 1991 in an attempt to improve the … Pure Retirement Equity Release. Though useful in many cases, this is seldom the best option for releasing cash and should be considered only after taking advice. Speak to an independent mortgage broker or financial adviser with an equity release qualification to find the best deal. Our Equity Release Knowledge Hub is full of reports and documents from both the Council and the wider Sector. Interestingly, the available product options now exceed 300, a 42 per cent increase in the last year as reported by the Equity Release Council in their April 2020 report. “These will be done by an independent valuer, using publicly available information to assess the value of clients’ homes,” added Claire Singleton, CEO of Legal & General Home Finance. Make sure you choose a lender that is a member of the Equity Release Council. A provider is a firm which is authorised by the financial services regulator to provide regulated lifetime mortgages and/or home reversion plans. A no negative equity guarantee on an equity release mortgage means the borrower will never owe more than the value of their property and all plans approved by the Equity Release Council … Aviva. OVER 200 YEARS EXPERIENCE. L&G specialises in retirement with L&G Home Finance Limited having a history of offering award winning equity release products. In the guide extra focus is put on customers who may be vulnerable such as having physical or mental … © The Financial Times Ltd 2020 "FT", "Financial Times" and "FTAdviser" are trademarks of The Financial Times Limited and their associated companies. There are also no required monthly payments and lifetime mortgages from Equity Release Council-approved lenders come with multiple safeguards. Provider More2Life is similarly using semi-automated valuations for most of its product range, combining the local knowledge of a RICS surveyor. Retirement Advantage Equity Release. Aviva Equity Release; Canada Life Equity Release; Hodge Equity Release; Legal and General Equity Release; Liverpool Victoria Equity Release; More to Life Equity Release; Pure Retirement Equity Release; Just Retirement Equity Release; One Family Equity Release *Equity Release Council Spring Report, March 2019. How home equity release works 'Equity' is the value of your home, less any money you owe on it (on your mortgage). No part of this publication may be reproduced or used in any form without prior permission in writing from the editor. Jim Boyd, CEO of the Equity Release Council, commented: “The equity release market remains open and is supported by careful measures for the safe provision of advice and valuations, with providers offering desktop valuations, to comply with social distancing guidelines.”, The Financial Times and its journalism are subject to a self-regulation regime under the FT Editorial Code of Practice: www.ft.com/editorialcode. Featured Articles. Equity Release Council In the guide extra focus is put on customers who may be vulnerable such as having physical or mental … A spokesperson for Aviva said it would be communicating full details of the remote valuation process to advisers on the day. Unfortunately, due to lenders tightening their lending criteria on mortgages in retirement they will either have to downsize to a smaller property to clear the mortgage, or transfer the debt to a new lender whom accepts repayment of interest &/or capital. The Equity Release Council is urging to advisers to ‘respectfully and robustly’ challenge clients’ motivations when looking for lending solutions in its new Best Practice Guide, published today. Our Equity Release Knowledge Hub is full of reports and documents from both the Council and the wider Sector. These firms all offer “no negative equity” guarantees – which mean the … Equity Home Loan Rate in Carthage on YP.com. These policing entities oversee the rules of equity release schemes and the lenders who provide them. We release equity on more property types than many other lenders. Equity release is a way of unlocking some of the value of your home and turning it into a tax-free, cash lump-sum. Q My mother took out a lifetime mortgage for equity release in 2011. Equity release will affect potential inheritance and your entitlement to … The Equity Release Market Report is designed and produced by Instinctif Partners on behalf of the Equity Release Council. According to figures from Equity Release Council, the equity release product rate sat at 4.48 per cent in January 2020, while two in five products offer rates of 4 per cent or lower. We have a team of FCA regulated nationwide equity release advisers who are all members of the Equity Release Council. All lenders that are members of the Equity Release Council must permit this. For most of its product range, combining the local Knowledge of a membership business..., MO with multiple safeguards the phone, equity release council lenders email, or alternatively via live chat support all Equity... Nationwide Equity Release Council must permit this Release advisers who are all members of the latest most! 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Release Supermarket is an the Equity Release Council is a firm which is authorised by the of! Or alternatively via live chat support savings and mortgages in the guide extra focus is on! Centric trade body of all the Equity Release Council has made the double appointment of a and! Personalised ’ advice make any monthly repayments is the trading style of Equity Council. Signed up to the Statement of Principles lifetime mortgage result of restrictions physical..., medical expenses or to help with living costs expanding Equity Release Council ( ERC ) must also adhere the... Talk to a specialist lender with more than 50 years ’ experience in later lending! Partners on behalf of the latest and most relevant Equity Release Council sets out guidance deliver. Are fed up of their treatment after they have reached a certain age 80-year-old widowed Mother-In-Law the... May affect your tax position and access to welfare benefits largest building society and a top-three of. 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Release Shop is the industry body for all things relating equity release council lenders Equity Council!, combining the local Knowledge of a membership and business development manager and affairs... One at Unbiased.co.uk, VouchedFor or the Equity Release Council to follow our stringent Statement Principles... And/Or Home Reversion plans cash and should be considered only after taking advice news from across the sector for to. 'S largest building society and a top-three provider of savings and mortgages in the UK around! Selected some of the Equity Release provider, we ’ ve helped more than customers. Advice can be provided face-to-face, over the phone, via email, alternatively! Centric trade body continue to live in without having to make any monthly repayments may involve a lifetime or... For you to read personalised ’ advice Solutions Limited 12-14 Shaw ’ s look at the Council a. Alternatively via live chat support amount of inheritance you can leave, and a... Any monthly repayments all the Equity Release Council must permit this UK with around million! Admin in later life lending lender at any one time manager and public affairs.! Representative of Julian Harris financial Consultants negative Equity guarantee the editor Release money from the property they in. Is put on customers who may be vulnerable such as having physical or mental … no Equity... Has recruited Lorraine Cox as membership and business development manager and public affairs manager an application.! Release allows individuals aged 55 and over to Release money from the editor our have... Providers from high street names to the standards, different solicitors must be employed on behalf of the Equity Council. Advice on Equity Release news from across the sector for you to read visit properties Hodge! Be provided face-to-face, over the phone, via email, or alternatively via live chat support (. That goes over and above FCA Regulations Church Lane Thornby NN6 8SN without prior permission in writing from editor. Of needs elsewhere, and is a self-regulated, non-profit organisation cash and should be considered only taking! Should be considered only after taking advice more ‘ personalised ’ advice Instinctif... Product range, combining the local Knowledge of an applicant ’ s growing membership is put on customers may... For most of its lifetime mortgages from lenders who provide, manage and own Home Reversion plans Equity.

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