Equity Release & Mortgage ServicesAdvising on and arranging Equity Release & Mortgages is a specialist field which requires detailed knowledge of: Equity Release: is traditionally used by clients who wish to use part of the value of their property to provide liquid capital and/ or an income. This may be to supplement retirement income, but may also be required to fund care fees. It may also be appropriate for certain Inheritance Tax mitigation strategies. Equity Release comes in two main forms: Lifetime Mortgages: involve borrowing funds against the security of a property whilst, normally, deferring interest payments until the death of the borrower, or their entry into permanent residential care. Home Reversion Plans: involve selling part or all of a property now for an amount which is less than its current market value. No interest is payable on the sum advanced, which can be paid as a capital sum or an income for life. In either case we only recommend plans provided by members of trade association Safe Home Income Plans (SHIP).
Mortgages: the market is constantly changing and it is important that clients enter into the most suitable contract for their circumstances. Our advisers have many years experience of dealing with services and contracts: Residential or Commercial Property Buy to Let Variable, Fixed, Discounted, Tracker or Capped rates Difficult or adverse credit history Remortgages (including Business Finance) First Time Buyers Self-Employed & Business Owner Borrowers Debt Consolidation
Our Approach We have extensive experience of advising across the range of Equity Release and Mortgage contracts which are available in the market. In relation to Equity Release, we are pleased to involve family members or professional representatives in our discussions with clients, if they feel it appropriate. If required, we are able to arrange independent legal advice for clients, before they enter into any legally binding Equity Release or Mortgage Contract. Specialist Qualifications & Authorisations The Financial Services Authority (FSA) requires those providing advice in the areas of Equity Release and Mortgages to hold additional qualifications to those held by most Financial Advisers. Our Equity Release and Mortgage Advisers are also fully qualified Financial Advisers. We also have the additional FSA authorisations which are required to advise in these areas, including HR1 (Equity Release). Further information: Our Equity Release and Mortgage Services are overseen by Director Dave Robinson and provided by our Specialist Mortgage Consultants Brian Ward and Paul Churchill. Brian Ward
Tallford House
40 Walliscote Road
Weston Super Mare
North Somerset, BS23 1UY Telephone: 01934 642222
email:
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Paul Churchill
Mary Street House
Mary Street
Taunton
Somerset, TA1 3NW Telephone: 01823 286096
email:
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Albert Goodman Chartered Financial Planners is a trading style of Albert Goodman Financial Planning Ltd, which is authorised and regulated by the Financial Services Authority (FSA). Risk Warning: You should think carefully before securing other debt against your home. Your home may be repossessed if you do not keep up repayments on your mortgage. Please note that Buy to Let and Commercial mortgages are not regulated by the FSA. | 
