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All businesses are exposed to risks in their day-to-day operations. Without business insurance cover to provide protection against some of these risks, businesses would find it difficult to operate efficiently and profitably.
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Adequate business insurance is therefore not a luxury - it is an absolute necessity.
These days, many people are not afraid to seek compensation. No win - no fee advertisements encourage claims, and businesses need to protect themselves against liability claims that could run into millions of pounds. In addition, you couldIf you're over the age of 55, equity release offers you a way to use the value of your home to raise money.
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There is a range of equity release schemes available on the market offered by reputable equity release providers, and they fall into two main categories, Lifetime Mortgages and Home Reversion Plans.
Each type of equity release scheme facilitates a different method of releasing the equity in your home, and there are various other useful features available ...Life is unpredictable, it can be exciting, it can be daunting, but whatever happens, we will work with you to try to help make sure your family's future needs are secured. With careful planning we aim to safeguard your family finances.
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We will discuss with you all those areas where we might help you safeguard your dependents and protect them in the event ofany unexpected events like bereavement and sickness. We can advise you on your protection needs, from life assurance to healthcare cover, to reducing your inheritance tax liability, making a tax-efficient will, and providing a tax-free cash lump sum for your dependents in the event of your death.We all have goals, dreams, ambitions for the future, for ourselves and our families, but how do we achieve them?
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Professional Financial Planning is the process which aims to help you realise your ambitions - whatever they may be. As professional financial advisers we can help you make informed decisions about your financial future, short, medium and long term.
You will almost certainly have plans of one kind or another - buying a home, starting a family, living abroad, perhaps retiring, but such ambitions have financial implications and you can't leave it all to chance.Health Insurance is probably one of the most important types of insurance you can own. Without it, an illness or accident can have serious long-term financial implications for you and your family.
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Most people will be aware that Health Insurance can cover the cost of private medical treatment for any acute conditions you may suffer in the future - from something as simple as a broken bone to more serious conditions like a heart attack or cancer.
However, there are a number of other types of Health-related Insurance policiesThe main purpose of Life Assurance is to provide money for those people who may depend on you financially, in the event that something should happen to you. These people could include family members or business partners.
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It can provide the reassurance of financial protection for you, your family and your business associates.
A Life Assurance policy pays out a sum of money when the person who is covered by the plan dies.Mortgages are loans which are intended to help buyers purchase residential and commercial property. When an individual takes out a loan, the lender charges interest: the same is true of a mortgage.
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A mortgage is a ‘secured’ loan, which means that the loan is secured against the value of the property being purchased until the mortgage is paid off.
Sources of residential mortgages include high street banks, building societies and other types of less well known financial institutions.
Basic conditionsWhen you retire you still need food and shelter as an absolute minimum, but of course you will want to maintain the lifestyle to which you have become accustomed, so unless you can guarantee a large inheritance or windfall, then you need to provide yourself with a secure income for the rest of your life.
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A well prepared pension plan which is regularly reviewed should go some way to providing you with a reasonable level of income in your retirement.
A pension plan requires action as soon as possible, so start now - and if you have already startedWhen someone talks about savings and saving money, it could be referring to a piggy bank on the mantelpiece or a high interest deposit account. Savings are effectively cash or cash instruments, such as deposit accounts, term bonds etc.
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Investing is what you do with the savings you have created - if you are looking to generate a return on your money that is greater than what is already available to you through your savings instruments.Taxing Questions
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Most of us face being taxed on our income, our capital gains, and in some circumstances the value of our estate when we die.
Taxation can be very complicated and the rules, reliefs and allowances often change, so it is worth obtaining a clear grasp of how these taxes work by discussing with a professional adviser the most efficient way to arrange your finances.
An expert will be able to help you plan your taxes in advance, and come upWealth, just like your health, must be carefully preserved. Your assets need to be protected against the potential threats of erosion by taxation, the effects of inflation and investment risks.
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Whatever your level of wealth, there is nothing wrong in making the decision to prepare a risk aversion strategy. Risk aversion is a reasonable and prudent strategy for anyone who is sure that they already have ample to provide for themselves and their family into the future.
There are plenty of ways of preserving wealth in real terms, protecting against most of the uncertainties - Online Services
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Introduction to Equity Release
Equity release: unlock money from your home for a more comfortable retirement
Equity release is typically available to people who are over the age of 55 and have their own home with a significant amount of equity, but don’t have enough money or income for their needs. By releasing equity in the form of a lifetime mortgage or home reversion plan, it enables the individual(s) to remain in their home and raise money for things such as:
- to generate a capital lump sum
- to provide an additional income
- to provide lifetime gifts to relatives
- for home improvements
- for holiday home purchase
- to fund long term care
Where equity release is a suitable solution and you take out a lifetime mortgage or home reversion plan, the money does not usually need to be paid back or the home sold until the last remaining borrower dies or moves into care, although this may not be the case, for example if you make repayments to preserve as much of the inheritable estate as possible.
Is equity release right for me?
Whilst there are benefits for people in this situation, equity release isn’t for everyone and the benefits need to be weighed up alongside drawbacks, such as equity release can:
- be expensive
- impact on you being able to claim certain state benefits and your personal tax position.
- impact on local authority grants / other grants (i.e. for essential home improvements)
- potentially erode any inheritance passed down to loved ones
Also, there may be alternative options available to you that need to be explored before taking the equity release route, such as consideration of a conventional mortgage as an alternative, moving to a smaller home, using any savings or investments and potentially selling the home and moving into rented accommodation or living with children or other relatives.
Don’t worry as we can help you understand all the features and drawbacks so you can make a fully informed decision.
Expert financial advice on what is right for you
As financial advisers with the required equity release qualification and training, we can assess your individual circumstances and needs, and then give you expert advice on the right course of action for you. The benefits need to outweigh the drawbacks to ensure equity release is more suitable than alternative methods of raising funds.
It’s often said that you can’t buy peace of mind; however that’s exactly what our financial service does, as you can rest assured knowing you have the right solution for you.
It is advised that customers seek independent legal advice before entering into a legally binding equity release contract.
EQUITY RELEASE MAY REQUIRE A LIFETIME MORTGAGE OR HOME REVERSION PLAN. TO UNDERSTAND THE FEATURES AND RISKS, ASK FOR A PERSONALISED ILLUSTRATION.
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About Us
Eversley has been trading since 1995 and are Independent Financial Planners delivering a professional and specialised service to individuals and businesses throughout South East England. ...
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Eversley Estate Planners Ltd
19-21 Bull Plain
Hertford
Hertfordshire
SG14 1DX
T: 01992 500800
Email : Email Us
The guidance provided within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.
Eversley Estate Planners Ltd is authorised and regulated by The Financial Conduct Authority. Eversley Estate Planners Ltd is entered on the Financial Services Register (www.fca.org.uk/register) under reference 460399.
Registered in England under reference 05254380
Registered office address: Same as company address