Business Details
We are Retirement Solutions, a dedicated provider of equity release advice across the United Kingdom. Our team comprises a growing number of independent equity release advisers with extensive experience in the sector. We have been assisting homeowners aged 55 and over for many years, helping them unlock the value tied up in their properties. We are members of the Equity Release Council, adhering to the highest industry standards and product guidelines. Our advisers are fully qualified and provide wholeofmarket guidance, ensuring every recommendation meets the Councils product standards. We work closely with a panel of approved lenders to source the most suitable plans for each clients unique circumstances.
Our problemsolving approach involves a thorough assessment of a clients financial position, health, and longterm goals. We commit to transparent communication, offering clear explanations of risks, benefits, and repayment options. We place client satisfaction at the heart of our service and continuously strive to exceed expectations through personalised support. Our ultimate purpose is to enable retirees to enjoy financial freedom while protecting their home and family interests.
Our problemsolving approach involves a thorough assessment of a clients financial position, health, and longterm goals. We commit to transparent communication, offering clear explanations of risks, benefits, and repayment options. We place client satisfaction at the heart of our service and continuously strive to exceed expectations through personalised support. Our ultimate purpose is to enable retirees to enjoy financial freedom while protecting their home and family interests.
Highlights and features
- We provide councilapproved lifetime mortgages meeting industry standards.
- Our independent advisers offer wholeofmarket guidance without provider ties.
- We recommend only products that meet Equity Release Council standards.
- We require valuations above 70,000 and release of 10,000.
- We provide a free online eligibility calculator for personalised results.
Services
Lifetime Mortgage
Lifetime Mortgage is a loan secured against the property that provides a taxfree lump sum or regular payments to homeowners aged 55 and over. It requires no mandatory monthly repayments, with the balance repaid only when the borrower dies or moves into longterm care. This allows retirees to access cash while retaining ownership of their home.
Home Reversion Plan
Home Reversion Plan lets homeowners aged 65+ sell part or all of their property for a lump sum or regular payments. The seller retains the right to live rentfree in the home for life or until longterm care is needed. The sum is typically below market value, reflecting the providers investment until the property is sold.
Annuity Drawdown
Annuity Drawdown provides a regular income stream from a purchased annuity, allowing retirees to convert pension savings into taxable payments. The scheme offers flexible payment options, including guaranteed lifetime income or temporary withdrawals, to suit varying financial needs. This ensures retirees maintain cash flow while preserving capital for future generations.
Retirement Planning
Retirement Planning offers comprehensive advice on pension accumulation, investment strategies, and income generation for individuals approaching or in later life. Our specialists assess each clients goals, risk tolerance, and timeline to create a tailored plan that maximizes retirement security. This holistic approach helps clients achieve financial confidence and stability throughout their retirement years.
Estate Planning
Estate Planning involves creating legal documents such as wills, lasting powers of attorney and trusts to manage assets and protect beneficiaries. Our team guides clients through the complexities of inheritance tax, ensuring wishes are carried out efficiently and in compliance with the law. This proactive service safeguards family wealth and provides peace of mind for all parties involved.
