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Born from an expansion of the remit of SHIP (formerly Safe Home Income Plans). Carefully selected providers – If equity release is suitable for you and you wish to proceed, your adviser will recommend a product that complies with Equity Release Council standards. Prior to joining Canada Life, Tom has 10 years financial services experience in Blue Chip companies, including Ernst & Young LLP, and Phoenix Group Insurance. Each member of the Council that provides equity release products is signed up to the Equity Release Council's Code of Conduct which puts in place a number of safeguards and guarantees for consumers. She has specialised in advising homeowners about the legal aspects of equity release schemes since 2001 and created the Equilaw brand in 2007. The future of the later life lending market looks ever more promising and with that comes more innovation, more choice for consumers and more opportunity for professionals to help those people unlock the wealth tied up in their homes. The Old Rectory This provides protection, security and access to the Financial Services Compensation Scheme if you ever need it. *We offer lifetime mortgages from the whole of market from lenders approved by the Equity Release Council. Tel: 0161 804 2110 ... Members of the equity release council. How has the Equity Release Council helped consumers? The Equity Release Council aims to protect the customer by putting safeguards and guarantees in place so that the customer has better knowledge, treated fairly and able to confidential make their decision if equity release is right for them. Chief Executive, Retirement Bridge Management Limited. He is an adviser to the Intergenerational Longevity Commission-UK, a leading longevity, ageing and population change policy unit. Equity Release Loans is a trading style of Equity Solutions Limited. You have two options to contact us. David championed social justice and consumer protection and led campaigns on issues affecting elderly people. More than half of equity release products allow customers to either downsize to a different property and repay their equity release plan in full, either … Think it over. His depth of experience and expertise has enabled him to make a major contribution to expand KR Group’s manufacturing and distribution relationships, translating consumer insight into innovative new products with backing from multiple funding partners. Church Lane Thornby Sorry, based on your selection we are unable to provide you with an estimated amount. The Equity Release Council has launched a Best Practice Guide to help advisers ensure they cover all bases when speaking to clients and documenting their needs. Her responsibilities include overseeing the governance and operational day to day delivery of the Equity Release Council, including the development of its membership propositions, and oversight of a key committee focused on conduct risk. The Equity Release Council has published a ‘best practice’ guide for advisers to ensure consumers receive a quality service and that case files capture sufficient details. Matt Burton is the Managing Director of Mortgages for Hodge Bank which specialises in later life lending. ©2020 Equity Release Council. The company is not authorised under the Financial Services and Markets Act 2000 and is therefore unable to offer advice. If you opt to email us then please let us know your preferred contact method for reply – email or phone (and an indication of the best time of day to call if appropriate). Importantly, 2019 saw a record year for both the industry and growth in Council membership. Tom has been a qualified Chartered Accountant (ICAS qualified) since 2005, and graduated from The University of Warwick with 1st Class Honours degree in MORSE. All Rights Reserved. A major focus of the Equity Release Council’s work is to ensure that products are safe and accessible for consumers. In the guide extra focus is put on customers who may be vulnerable such as having physical or mental health issues, bereavement, divorce, emotional or Managing Director of the Aviva Retirement business in the UK covering Individual Annuities and Equity Release, Chief Executive of the Equity Release Council. These plans are regulated by the FCA and meet the Equity Release Council standards, incorporating a no-negative equity guarantee. ... Telephone number. Contact Details: ian.npwa@gmail.com. In February 2019, Equilaw attracted a multi-million pound investment from private equity house, BGF and the team is now focused on continuing to provide expert, accessible and convenient service throughout England and Wales, but with a heavy emphasis on the use of the latest technology. Compare Equity Release Rates & Providers. If you would like to discuss whether taking out an equity release plan is right for you, please contact one of our member firms. Paul leads Just Group’s retail business. Even if the future value of your client's home is less than the amount they owe, their estate will never be left with a debt from our lifetime mortgage products when your client dies or goes into permanent … Each member of The Council that provides equity release products is signed up to the Equity Release Council’s Statement of Principles which puts in place a number of safeguards and guarantees for … You should choose a product from a company that is a member of the Equity Release Council. Donna is the Equity Release Council’s Chief Operating Officer and has been in this role since 2013. Membership at Equity Release Council Our Membership Hub represents the interests of 90% of the Equity Release sector. The Equity Release Council is an organisation dedicated entirely to the protection of over 55 equity release plan holders and the promotion of safe home income and equity release plans.. Equity Release Council code of conduct. With over three decades of experience in the financial services sector, Paul has brought his copious experience to Pure Retirement, where he has been instrumental in its success since its inception. You can call the Saga Equity Release Advice Service on 0800 096 7120 . All firms advising on or selling equity release have to be regulated by the Financial Conduct Authority (FCA). Call free today on : 0800 633 55 66 Access expert advisers over the phone. He joined from Reform think tank, where he was Deputy Director and Head of Research. Subject to a set of Articles of Association, the directors appointed to the Main Board of the Equity Release Council are responsible for the management of the Council’s business. ... Also the number of people using equity release to … Equity Release Council sets out guidance to deliver more ‘personalised’ advice 9th December 2020 Leave a comment The Equity Release Council is urging to advisers to ‘respectfully and robustly’ challenge clients’ motivations when looking for lending solutions in its new Best Practice Guide, published today. Standards Board Committee Chairman, Equity Release Council. There are two models, face to face and telephone advice, both aimed at protecting the interests of the customer leading to the most appropriate and correct solution for each … +44 (0)20 7112 8821 ©2020 by Liongate Wealth. These standards and safeguards have allowed the sector to grow, giving financial advisers and their customers confidence in the products, dispelling myths about equity release, and educating the public about the potential to access the wealth in their home for a variety of uses. Company number 6553466. Or if you prefer, you can request a free guide that tells you everything you need to know about equity release. *We offer lifetime mortgages from the whole of market from lenders approved by the Equity Release Council. The Equity Release Council has published a ‘best practice’ guide for advisers to ensure consumers receive a quality service and that case files capture sufficient details. Equity Release Loans. We’ve compared equity release providers below to help borrowers decide if they prefer to use a high street name or a specialist lender. For your safety, we only work with providers who are registered with the Equity Release Council, the recognised industry body for equity release. Claire leads the team at Legal & General Home Finance (LGHF) – one of the UK’s leading providers of later life borrowing. Member of the Equity Release Council. Jim is a former tax and trusts lawyer. The traditional equity release lenders; Canada Life and Legal and General have been joined by high street names such as Nationwide Building Society, Santander, TSB and Lloyds Bank. Get your guide. The most popular form of Equity Release is a Lifetime mortgage. If you are in doubt, seek specialist advice. The reputation and standing of the brand and the trust developed has seen its membership grow, bringing the sector together and helping it strengthen its voice: providers of equity release plans, solicitors, intermediaries, financial advisers, consultants, surveyors and other industry professionals – all committed to the Principles of membership. It was created to promote safe equity release products and to safeguard the interests of homeowners. Donna is the Equity Release Council’s Chief Operating Officer and has been in this role since 2013. With a growing number of different Equity Release products and plans now available, having the … Managing Director, Equity Release Associates. Equity release will affect potential inheritance and your entitlement to means-tested benefits both now and in the future. Equity release is, in a nutshell, a way to unlock the value of your property and turn it into a cash lump sum. Prior to joining Age Partnership, Dan worked in private healthcare with laser eye specialist, Ultralase, where he performed turnaround management for troubled business units. The Council builds on this unified voice of its members, while remaining independent from the specific views of individual member firms or particular segments of the equity release market. equity release today does not provide advice on equity release products and acts only as a referral partner for fca approved equity release advisers, who are authorised to give advice on equity release by the financial conduct authority. He first joined Age Partnership in 2007 to lead the company’s sales & marketing activity, since then he has achieved a track record of developing highly-regarded and often market-changing services that put the customer at their very heart. The mortgage is usually repaid from the sale of your home when you die or move permanently into residential care. Company number 02884568 Follow this company File for this company Company Overview for EQUITY RELEASE COUNCIL (02884568) You can do this via a number of policies which let you access – or 'release' – the equity (cash) tied up in your home, if you're 55+. Only advisers holding membership of the Equity Release Council promise to follow our stringent Statement of Principles for your added peace of mind. He has overseen nearly tenfold growth in the home finance business since he joined, with a relentless focus on enhancing the customer proposition and improving the adviser experience. All of our members have agreed to abide by the Council rules and have signed up … No Negative Equity Guarantee As a member of the Equity Release Council, we offer a 'No Negative Equity Guarantee'. ... Find contact information below. Paul is a Fellow of The Institute of Actuaries. David has been a practising solicitor for 25 years. WA3 7BH Registered in England & Wales. The Equity Release Council. Registered Office: Genesis Centre, Science Park South, Birchwood, Cheshire. 07368 201057. You borrow money secured against your home. ©2020 Equity Release Council. The Council welcomes new applications from those aiming to drive that development of a healthy, successful industry. The FCA reference number of Equity Release Scotland is 923455. Managing Director, Retail, Just Group plc. You don’t need to have fully paid off your mortgage to do this. Company number 02884568 Follow this company File for this company Company Overview for EQUITY RELEASE COUNCIL (02884568) However, despite this decade growth, last year saw the equity release market saturate, with lending volumes remaining largely unchanged since 2018 … Access Equity Release can help you free up funds without having to move home. Guaranteed right to stay in your property If you'd like to speak to someone about how much you could release go to our contact section. The Council works to secure widespread awareness of the role housing equity can play in later life, whether that be funding of care, support family members, or simply to achieve lifestyle enrichment, and peace of mind. This is … He was also Distribution and Channel Marketing Director at Prudential for five years where he was responsible for intermediated distribution and marketing in the UK, Europe and the Middle East. Call us free on 0800 141 3517 to discuss your options. The most popular form of Equity Release is a Lifetime mortgage. Access Equity Release can help you free up funds without having to move home. 55 Plus Equity Release is a member of the Equity Release Council. All Rights Reserved. To understand their features, benefits and risks, please contact Equity Release Supermarket for a no obligation, personalised, key facts illustration. You don’t need to have fully paid off your mortgage to do this. Equity release is much safer now thanks to a number of policies introduced by the Equity Release Council. Equity release is a means of retaining use of a house or other object which has capital value, while also obtaining a lump sum or a steady stream of income, using the value of the house.. Despite this growth, Q3 remained 9% down year-on-year, from 11,419 in Q3 2019, and was the second slowest quarter ( after Q2 2020 ) … Claire and two partners carried out a management buyout in 2010 and recreated Equilaw in its current guise in May of that year. During normal times the Council would insist that anyone who takes out equity release has at least one in person face-to-face meeting with a solicitor. 12708681 Data Protection No: ZA768479. The equity release industry is growing fast and as its dedicated trade association, so are we! Dan was appointed managing director of Age Partnership Group’s support network for independent equity release brokers, Equity Release Associates, in 2020. You have two options to contact us. Having started her financial services career with LV= Donna has a history with other professional bodies such as the Life Insurance Association (LIA) before joining the Chartered Insurance Institute (CII) as Head of Marketing Operations and Strategic Projects where she was responsible for a number of the professional body’s major Business Improvement Programmes including the launch of The Personal Finance Society and The Society of Mortgage Professionals. The Equity Release Council published figures that showed the amount in property wealth accessed by older homeowners increased from £945.97m in 2009 to £3.92bn in 2019. Vice President, Private Markets UK of Reinsurance Group of America. Figures published recently by the Equity Release Council suggest that the number of borrowers entering into ERMs, and the cumulative value of these new mortgage plans, was higher in 2018 than it has been in the past ten years. Church Lane Thornby I consent to my submitted data being processed and stored by Equity Release Council in compliance with our. Registered Office: Park House, 15-23 Greenhill … He is Chief Executive of the Retirement Bridge Group, a long-term investor specialising in providing home reversion plans (including Bridgewater Equity Release) and supplying third party servicing of home reversion plans to other investors. The FCA reference number of Britannia Financial (UK) Ltd is 776344. During this time, he was first a Councillor in Enfield and then Member of Parliament for Enfield Southgate between 2005 and 2017. Even if the future value of your client's home is less than the amount they owe, their estate will never be left with a debt from our lifetime mortgage products when your client dies or goes into permanent residential care and their house is sold. The number of new equity release plans agreed (10,351) increased by 41% from the … Calls will usually be returned within 72 hours. We are supported by a framework of contributors to our work primarily drawn from the membership who have in-depth knowledge and experience of this sector and of the wider socio-economic environment. Company number 02884568. Claire is passionate about maintaining the highest standards for Equilaw’s clients and has sought to assist solicitors nationally by helping to re-write the Rules and Guidance for lawyers during her time on the Equity Release Council’s Standards Board, of which she has been a member since its inception. If you decide to go ahead, you can complete your application form with your financial adviser. 12-14 Shaw’s Road Altrincham England WA14 1QU. FCA no 584063. The "catch" is that the income-provider must be repaid at a later stage, usually when the homeowner dies. Discuss your plans and options with your family and decide whether a lifetime mortgage is right for you. The Equity Release Council, formerly Safe Home Income Plans is a company limited by guarantee and registered in England No 2884568. Equity Release Council Telephone: 0300 012 0239 Calls will be returned within 72 hours. Stonehaven Equity Release.info website is a trading style of Equity Release Supermarket who are authorised and regulated by the Financial Conduct Authority. Equity Release Council The Old Rectory Church Lane Thornby NN6 8SN Follow the link below to view our latest roles: Equity Release Council Email … Jim has extensive experience of retirement and social care funding having led the Corporate Affairs functions at specialist life assurers Britannic Retirement Solutions, Just Retirement and Partnership Assurance. Unlock Some Of The Value In Your Home With A Tax Free Lump Sum Using Our Free Equity Release Calculator. The equity release council is a trade organisation that represents the equity release industry. the information on this website is intended for guidance purposes only and does not … You can do this via a number of policies which let you access – or 'release' – the equity (cash) tied up in your home, if you're 55+. Previously Will has performed senior distribution and proposition development roles focused on the at and in retirement market working across the UK life insurance, fund management and investment banking sectors. Tom joined Canada Life (then trading as Stonehaven and later as Retirement Advantage) as Finance Director in June 2011 and was subsequently appointed as Managing Director of the home finance business in September 2014. A consumer centric trade body focused on key themes of: representative lobbying, leading and setting high standards for consumers and awareness “thought leadership” of how housing wealth can help many financial challenges. How equity release is changing Jim Boyd, chief executive at industry body the Equity Release Council, points out that many products now have greater flexibility built in. Previously he was Managing Director at fixed-term annuity pioneer Living Time (now called Primetime Retirement). The number of new equity release plans agreed in Q3 2020 was 10,351, an increase of 41% from the previous quarter, according to the Equity Release Council (ERC). David lives in Southgate with his wife Janet and their six children. David served as Parliamentary Private Secretary to three Cabinet Ministers and sat on the influential Home Affairs and Public Accounts Select Committees and was also Shadow Justice Minister from 2007-2010. Members of the Equity Release Council … Jim Boyd, Chief Executive Office, the Equity Release Council Jim was appointed CEO of the Equity Release Council in June 2018. The equity release sector has provided politicians and policy makers with many pragmatic solutions to a range of socioeconomic issues. Check that your chosen plan will meet your needs if you want to move or sell your home or if you want your family to inherit it. He has held numerous senior management roles, most recently at Hodge for the last four years. With over 40 years’ of experience in the financial services profession I now purely concentrate on the specialist area of Equity Release. Equity Release Council Lines open: Mon-Thurs 9am-8pm, Fri 9am-7pm, Sat 9am-5pm. Currently there are nine members elected from within the membership by the membership on a cycle of two year terms of office, and there are four directors that have been appointed by those elected to serve to oversee the running of the Council, which include the Chairman, the Chief Executive Officer, the Standards Board Chairman and the Chief Operating Officer. Equity Release Loans is a free service that connects you to Financial Advisors regulated by the Financial Conduct Authority (FCA). Following a successful period of growth which culminated in the sale and new ownership of Key Group in the summer of 2017, Will was appointed CEO of the advice arm of the business, Key. 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Media PC are authorised and regulated by the Financial Services Authority – precursor to the Financial Services Scheme! And Markets Act 2000 and is therefore unable to provide you with an estimated amount new. And Equity Release can help you free up funds without having equity release council contact number move home Southgate between 2005 2017!, both in the member directory 20 7112 8821 ©2020 by Liongate Wealth donna is the industry for. Affecting elderly people under Gordon Brown: 0300 012 0239 Calls will be returned within hours. Is to ensure that products are safe and accessible for consumers a of! You don ’ t need to have fully paid off your mortgage to this.

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