At Horizons, we've helped people from across Yorkshire make the most of their retirement through equity release. In the current climate equity release can be an important source of income for people in retirement.


A happier retirement with equity release
As a homeowner, you have an asset that's worth quite a lot of money. You could unlock some of the capital that's tied up in your home and, without having to move, you can use the cash to get the most from your retirement. Whatever the purpose, equity release may help you.

At Horizons, we make it easier for you to turn your retirement dreams into reality. We offer advice on all products from the whole of the market.

As we are Independent specialists, we aim to offer you a solution that fits your personal circumstances. We'll take the time to listen to your concerns and help you decide whether equity release if right for you......if we think it's not, we'll tell you!

What are the features of Equity Release?
• You receive a cash lump sum or supplement your income to spend on whatever you need.
• You can continue to live in your home until you die or go into long term care.
• Protect part of the value of your home so that you can guarantee to leave a legacy for your loved ones. You can choose how much to protect.
• You can drawdown future money at anytime in the future should the need arise.
• You can still move if you want to, as long as your new property meets the conditions. We can even use it to buy a new home.
• We'll listen to what you want from your retirement and discuss the various options with you.

 



 


All plans allow you to stay in your own home and many have no monthly repayments to make, but there are other factors to consider, such as any effect it may have on your tax status, or your entitlement to means tested benefits or age allowance. Releasing equity also means your estate would receive less or nothing depending on the type of plan taken. There are also limits on the amount you can release. For information on how much you may be able to release use our equity release calculator.

All our advisers at Horizons have attained the mandatory professional qualifications to give the specialist technical advice needed in this area of financial planning. This qualification is required by our regulator, the Financial Services Authority.

  
The examinations awarded to our advisers by the Chartered Insurance Institute include Certificate of Equity Release, CF7 Lifetime Mortgages and HR1 Home Reversion Plans.

As we are independent we can advise on and recommend any equity release product and provider from the whole of the market including Norwich Union, Prudential and Just Retirement.

So why go direct to these providers when you can have peace of mind from us in knowing that we have researched the market and recommended the right plan for you?


AN EQUITY RELEASE PRODUCT MAY BE A LIFETIME MORTGAGE OR HOME REVERSION PLAN. TO UNDERSTAND THE FEATURES AND RISKS, ASK FOR A PERSONALISED ILLUSTRATION.

"Planning to Support Your Lifestyle"
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