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Divorce can create financial challenges at any age, but separating later in life can bring a particularly complex set of circumstances. For clients who have spent decades building a life together, the family home may be one of their largest assets. At the same time, they may have fewer working years ahead of them, retirement income may already be fixed, and taking on a conventional mortgage could prove more difficult. For advisers supporting clients through later-life divorce, this raises an important question: could property wealth form part of the solution? READ MORE: https://lnkd.in/ePa8jiWn

Have you booked your space yet? Thomas B., Head of Commercial and Business Development at the Equity Release Council joins us for a 30-minute webinar to discover the market opportunity, recognise potential clients, explore real-life scenarios, and unpack the latest Fairer Finance findings on the growing role of property wealth in retirement planning. Wednesday 16th September 11am Teams BOOK NOW> https://lnkd.in/exSzw6Zf

For many high-net-worth clients, some of their most significant wealth may be sitting in plain sight: their property. A client may have substantial pensions, investments, savings and business interests, but their home can also represent a significant proportion of their overall wealth. So when a client needs capital, should property be part of the financial planning conversation? https://lnkd.in/eTcbz2MW

An interest-only mortgage is coming to an end, but your client doesn’t have the repayment vehicle they expected. Their retirement income makes a conventional remortgage difficult. Time to write the case off? Not necessarily. For older homeowners with sufficient property wealth, later-life lending could provide another route forward. In the first of our new series, we look at why an approaching interest-only maturity could be a valuable referral opportunity. Before you write the case off, refer it to Key Partnerships. https://lnkd.in/emirCGwS

For decades, the retirement conversation has largely centred on two things: the State Pension and private pension savings. But as people live longer, the cost of retirement rises and pressure on household finances makes saving more difficult, we need to ask whether that conversation is now too narrow. https://lnkd.in/eTNCwMrP

For many homeowners, their property is one of their most valuable assets. As clients approach or enter retirement, some may want to explore whether the wealth tied up in their home could help them achieve an important financial or lifestyle goal. Here are some of the most common reasons clients may wish to explore equity release: https://lnkd.in/evcKBQZZ