Skip to main content

  • Home
  • About Us
    • - Company History
    • - Our values
    • - Our Team
  • Our Services
    • - Financial Planning
    • - Savings & Investments
    • - Inheritance Tax Planning
    • - Pensions
    • - Business Protection
    • - Wealth Management
    • - Equity Release
    • - Long Term Care

    Professional financial planning is the process which aims to help you realise your ambitions - whatever they may be. As professional financial advisers we can help you make informed decisions about your financial future, in the short, medium and long term.

    You will almost certainly have goals of one kind or another and these have financial implications and leaving it to chance isn't an option.Read More

    When someone talks about savings and saving money, it could be referring to a piggy bank on the mantelpiece or a high interest deposit account. Savings are effectively cash or cash instruments, such as deposit accounts or term bonds.

    Investing is what you can do with the savings you have created - if you are looking to generate a greater return on your money than is available to you through your savings instruments.Read More

    No tax is popular but Inheritance Tax seems to provoke the most resentment.

    After all, having built your capital suffering tax at up to 45% your heirs will lose another 40%.

    The good news is this tax is designed to be avoided, provided you take action early. Government policy is to get capital moving down the generations so gifts made regularly from income or more than seven years before death are not taxed at all. Read More

    When you retire you still need food and shelter as an absolute minimum, but of course you will want to maintain the lifestyle to which you have become accustomed, so you need to provide yourself with a secure income for the rest of your life.

    A well prepared pension plan which is regularly reviewed should go some way to providing you with a reasonable level of income in your retirement.Read More

    Every business needs to protect itself. For most businesses the most valuable asset it has is its people. Without them, a company’s survival could be at serious risk.

    With that in mind we can help you take the right steps to protect your people and your business.


    Read More

    If you're over the age of 55, equity release offers you a way to use the value of your home to raise money which can be used for any purpose. Some examples might include to provide an additional income, for home improvements, to fund long term care or to provide lifetime gifts to relatives.


    Read More

    Needing long term care can be a difficult and worrying time, both for the person needing care and for family or legal representatives such as attorneys.

    Some people choose to go into a care home; others reach a point where there is no choice. However you reach this point, a deep financial understanding of the costs and resources with which to pay is essential.

    Read More

  • Useful Links
    • - Research
    • - My Portfolio
    • - Market Data
  • Client Portal
  • Weekly News
  • Privacy Policy
  • Contact Us
Menu
  • Home
  • About Us
    • Company History
    • Our values
    • Our Team
  • Our Services
    • Financial Planning
    • Savings & Investments
    • Inheritance Tax Planning
    • Pensions
    • Business Protection
    • Wealth Management
    • Equity Release
    • Long Term Care
  • Useful Links
    • Research
    • My Portfolio
    • Market Data
  • Client Portal
  • Weekly News
  • Privacy Policy
  • Contact Us
Related Topics
Home    Types of Equity Release
  • Costs
  • Drawdown Lifetime Mortgage
  • Home Income Plan
  • Home Reversion Plan
  • Introduction to Equity Release
  • Lifetime Mortgage

Types of Equity Release

EQUITY RELEASE WILL REDUCE THE VALUE OF YOUR ESTATE AND CAN AFFECT YOUR ELIGIBILITY FOR MEANS TESTED BENEFITS.

Types of Equity Release Schemes

There is a range of equity release schemes available on the market offered by reputable equity release providers, and they fall into two main categories:

  1. Lifetime Mortgages
  2. Home Reversion Plans

Each type of equity release scheme facilitates a different method of releasing the equity in your home, and there are various other useful features available to create the ideal equity release scheme for you, including:

Protected Equity

Many equity release schemes come with a no-negative equity guarantee, and in some cases there are plans which also enable you to protect a fixed share of the value of your home. For example, if you protected a 30% share in your home, you have a guarantee that a minimum of 30% of your property value is protected for you in later life or as inheritance for your beneficiaries.

Impaired Life

Some providers will allow you to release more capital from the equity release scheme if you suffer from one of a list of health conditions.

Income

Many equity release schemes allow you to release the equity in the form of an income, by releasing the capital in staged payments over your lifetime.

Flexible Drawdown

There are some equity release schemes available with a pre-agreed 'cash reserve'. Like an overdraft, this is a facility which allows you to draw-down cash whenever you wish, so it's ideal for generating funds when required for home improvements, maybe a new car, a special holiday, etc. Interest is only added to the amount drawn, so they can work out much cheaper than other types of equity release schemes, depending on your needs. Flexible Drawdown is a complicated area with both advantages and disadvantages. Please review the dedicated section on this subject within the Equity Release area.

EQUITY RELEASE WILL REDUCE THE VALUE OF YOUR ESTATE AND CAN AFFECT YOUR ELIGIBILITY FOR MEANS TESTED BENEFITS.

Types of Equity Release Schemes

There is a range of equity release schemes available on the market offered by reputable equity release providers, and they fall into two main categories:

  1. Lifetime Mortgages
  2. Home Reversion Plans

Each type of equity release scheme facilitates a different method of releasing the equity in your home, and there are various other useful features available to create the ideal equity release scheme for you, including:

Protected Equity

Many equity release schemes come with a no-negative equity guarantee, and in some cases there are plans which also enable you to protect a fixed share of the value of your home. For example, if you protected a 30% share in your home, you have a guarantee that a minimum of 30% of your property value is protected for you in later life or as inheritance for your beneficiaries.

Impaired Life

Some providers will allow you to release more capital from the equity release scheme if you suffer from one of a list of health conditions.

Income

Many equity release schemes allow you to release the equity in the form of an income, by releasing the capital in staged payments over your lifetime.

Flexible Drawdown

There are some equity release schemes available with a pre-agreed 'cash reserve'. Like an overdraft, this is a facility which allows you to draw-down cash whenever you wish, so it's ideal for generating funds when required for home improvements, maybe a new car, a special holiday, etc. Interest is only added to the amount drawn, so they can work out much cheaper than other types of equity release schemes, depending on your needs. Flexible Drawdown is a complicated area with both advantages and disadvantages. Please review the dedicated section on this subject within the Equity Release area.

Read less

Wealth Management

Long Term Care

Business Protection

QUICK LINKS

  • Home
  • About Us
  • Our Team
  • Testimonials
  • Research Links
  • Client Login
  • Privacy Policy
  • Contact Us

NEWSLETTER

CONTACT US

Square One Wealth Management LLP
Maple Barn
Beeches Farm Road
Shortbridge
Near Uckfield
TN22 5QD
T: 01273 921990
Email Us

The Financial Conduct Authority does not regulate Inheritance Tax Planning.

Square One Wealth Management LLP is an appointed representative of Quilter Financial Limited which is authorised and regulated by the Financial Conduct Authority. Quilter Financial Limited are entered on the FCA register (http://www.fca.org.uk/register) under reference 497604.

Square One Wealth Management LLP is registered in England and Wales, No. OC304412. Registered Office: Maple Barn, Beeches Farm Road, Shortgate, Near Uckfield, TN22 5QD.

The guidance and/or advice contained within this website is subject to the UK regulatory regime, and is therefore targeted at consumers based in the UK.

© Copyright 2021 - Adviser Pro - All Rights Reserved

Design and Developed by Adviser Pro © 2021