Lenders

Just are one of the UK’s leading providers of specialist financial services solutions, completely focused on meeting the needs of people thinking about, approaching, or in retirement. Just are award winning and an innovator within the later life market responsible for innovation in lifetime mortgages and medical underwriting. Recently Just received the lifetime achievement award at the Financial Adviser Service Awards for 5 star service consecutively for 15 years. Recent innovation from Just include its award winning Interest Servicing options which helps control and manage the overall cost of borrowing.

Aviva is an award winning equity release provider, who have helped more than 250,000 customers unlock over £8 billion from their homes since 1998.

Aviva offers a choice of two lifetime mortgages to help your clients make use of the equity in their home: Lifestyle Flexible Option and Lifestyle Lump Sum Max.

The Lifestyle Flexible Option provides clients with a flexible approach. As well as receiving an initial lump sum, your client can set up a cash reserve to draw money from, as and when they need it. What’s more, they only pay interest on the money they’ve drawn.

Pure Retirement are an award-winning equity release provider dedicated to provide market-leading service standards at both adviser level and to our endpoint consumers. This is reflected by the recent widespread expansion of our business, with growing teams in our Intermediary Sales, Marketing, Administration and Customer Account Servicing elements ensuring that anyone that we transact with receives the best possible levels of attention and care throughout the entire process.

We recognise that being a market-leading presence can’t be achieved by standing still, and aim to innovate through new products and new developments, working under the mantra of ‘service made possible by technology, made meaningful by people’. We also appreciate the benefit of growing the wider market as a whole, both actively working with the Equity Release Council and creating our own in-house materials (i.e. webinars and roadshows) to help advisers get the most out of this growing market.

Canada Life’s vision is to help build better futures and be a world class financial services provider.

Putting customers at the heart of everything we do and working in line with our values of people, excellence, integrity and together.

Founded in 1847, we are the oldest Canadian life assurance company with £942bn of assets under management (as at 30 June 2019).

Our award-winning retirement solutions have been designed to suit a wide range of needs, and offer industry-leading value, financial strength and exceptional service.

Our Home Finance product range includes later life Buy-to-Let mortgages and lifetime mortgages, which offer flexibility and certainty, and can be tailored to suit your customers’ individual needs.

Legal & General Home Finance (LGHF) is leading innovation across the later life market to help people have a more colourful retirement.

Almost a quarter of equity release customers choose LGHF, making it one of the largest lifetime mortgage lenders in the UK. It has lent over £3bn in total, developing customer-led solutions that offer flexibility and choice. The business is part of the Legal & General Group. Established in 1836, Legal & General is one of the UK's leading financial services groups and a major global investor.

Lifetime Mortgages

LGHF’s Lifetime Mortgages all come with standard features that can help your clients, including accessing tax-free cash, no affordability checks, and interest rates fixed for the length of the loan. A lifetime mortgage is a form of equity release secured against your client’s home.

Retirement Interest Only Mortgage

LGHF’s Retirement Interest Only Mortgage (or RIO) is an interest-only mortgage with a fixed interest rate for life. If your client’s existing interest-only mortgage is coming to an end, they could use the RIO to pay the outstanding balance and stay in the home they love.

Some people even choose to borrow extra cash to buy a new home - or just do more of the things they love in retirement. It’s important to note that clients must make monthly interest payments - as a last resort, your client’s home may be repossessed if they do not keep up with payments.

Hodge is a specialist lender with more than 50 years’ experience in later-life. Our product range is growing to suit the changing needs of our customers. As creator of the first equity release product in 1965, innovation drives us and in 2019 that helped us move into new markets including Holiday Let and Portfolio Buy-to-Let.

At Hodge we pride ourselves on delivering personal service and direct access to our expert underwriters. Our Specialist Lending Support team and regional BDMs ensure the application process runs smoothly. For us, no case is too complex, and we strive to help brokers place difficult cases.

At OneFamily we believe in creating products for families to meet the financial demands of modern life. We are the third biggest friendly society in the UK based on membership. We have over 40 years’ experience of being a trusted provider of financial solutions for every key milestone. We’ve won several awards, have over 2.6 million customers and hold over £7.4 billion in funds under management. We are also customer-owned which means our profits go back into our business, products and communities.

Our Lifetime Mortgage range was launched in 2016, and since then we’ve designed trusted Lifetime Mortgage products with clear and flexible features and a choice of payment options. We allow direct access to our Underwriters so that Advisers can discuss the specifics of each case, and our Lifetime Mortgages comply with Equity Release Council Standards.

LV= has been a leading Equity Release provider since 2002 and has a dedicated team of experts to support advisers with case consulting. Both its lifetime mortgage products have received Defaqto and Moneyfacts ratings. Its product ratings:

• Lifetime Mortgage Lump Sum+ - 4 Star Defaqto Rating
• Lifetime Mortgage Lump Sum+ - 4 Star Moneyfacts Rating
• Lifetime Mortgage Drawdown+ - 5 star Defaqto Rating
• Lifetime Mortgage Drawdown+ - 5 star Moneyfacts Rating

As part of its policy, clients are also entitled to LV= Doctor Services. LV= understand that later life is a lot more than just financial security. This is an online consultation service that gives your clients fast and convenient access to medical services provided by Square Health, via a simple online app. To help clients navigate their way through the care system, LV= has teamed up with MorganAsh to offer customers Care Navigator. Care Navigator provides specialist support and guidance for those looking for help with their care need.

Ashfords

Ashfords is a national provider of legal, professional and regulatory services.

Our Equity Release Team

Ashfords LLP have a specialist team who, for the last 20 years, have worked exclusively within the Equity Release sector. Ashfords provide every required legal service and the process will never be delayed through lack of legal expertise.

Ashfords’ Equity Release Team specialises in advising clients on the legal implications of lifetime mortgages and reversion plans, including lifetime interest only mortgages, hybrid lifetime interest only/compound mortgages and conventional lifetime mortgages. There will always be some equity release cases that need an additional legal specialism in order to complete. Their specialist teams deal with issues such as leases, bankruptcy, matrimonial and property purchases.

They are able to provide face-to-face advice at all of their offices (Exeter, Plymouth, Taunton, Tiverton, Bristol and London) as well as a National Service for those clients unable to visit the offices. Ashfords currently have 22 contracted Agents who are based across the country and can quickly meet customers in their homes irrespective of location.

GWLegal

GWlegal are a national law firm with local values. We have over 35 years’ experience with outstanding service at the heart of what we do. For our Equity Release clients, we can offer a bespoke Home Visits service at no additional cost. We strive to make the entire process as stress free as possible.