more2life

During a period of rate volatility, what should you do? We've seen gilt rates rise since last week's budget and the market continues to fluctuate following last night's US election. So, to help you understand how you can deliver the best outcome for your clients, we caught up with our Managing Director, Ben Waugh, for his take on what he expects from the later life lending market in this period of rate volatility. Learn more about Apex Interest Reward: https://okt.to/pdPFSk Learn more about Maxi Zero ERC: https://okt.to/eqyhtB Maxi Zero comes with an arrangement fee: Initial advance: £1,199 | Further advance: £499 #equityrelease #finances #mortgage #retirementplanning

Apex Interest Reward is here! ✅ Rate discount of up to 0.75% ✅ Available for ages 55-84 ✅ Apex's high LTVs ✅ 4-year fixed ERCs ✅ 5 Star rated by Defaqto, meaning it provides one of the highest-quality offerings on the market Want to learn more about our brand-new innovation? Register for one of our live webinars this week or request a recording on-demand. Register now: https://okt.to/VGtH9S Learn more: https://okt.to/dywA8K #equityrelease #finances #mortgage #retirementplanning

#SpookySeason is over! Here are a few snaps of our Servicing team haunting the building 👻 🎃 Who has your vote for best dressed?

👻 𝗛𝗮𝗹𝗹𝗼𝘄𝗲𝗲𝗻 𝗷𝘂𝘀𝘁 𝗴𝗼𝘁 𝘀𝘄𝗲𝗲𝘁𝗲𝗿 𝘄𝗶𝘁𝗵 𝗼𝘂𝗿 𝗧𝗮𝗶𝗹𝗼𝗿𝗲𝗱 𝗖𝗮𝘀𝗵𝗯𝗮𝗰𝗸 𝘁𝗿𝗲𝗮𝘁𝘀! 🍬🎃 You already know about our Tailored Cashback options, but they’ve just become even more spook-tacular! 👀 We’ve just introduced two new plans: 𝗧𝗮𝗶𝗹𝗼𝗿𝗲𝗱 𝗟𝗶𝗳𝗲𝘁𝗶𝗺𝗲 𝗖𝟯 & 𝗖𝟰! But here’s the real treat - we’ve also rolled out 𝟭%, 𝟮%, 𝟯%, 𝗮𝗻𝗱 𝟰% 𝗰𝗮𝘀𝗵𝗯𝗮𝗰𝗸 𝗼𝗻 𝗧𝗮𝗶𝗹𝗼𝗿𝗲𝗱 𝗟𝗶𝗳𝗲𝘁𝗶𝗺𝗲 𝗖𝟰! Cashback is now available on 𝗧𝗮𝗶𝗹𝗼𝗿𝗲𝗱 𝗟𝗶𝗳𝗲𝘁𝗶𝗺𝗲 𝗖𝟰, 𝗖𝟱, 𝗖𝟲, 𝗖𝟳 𝗮𝗻𝗱 𝗖𝟴, as well as 𝗧𝗮𝗶𝗹𝗼𝗿𝗲𝗱 𝗘𝗻𝗵𝗮𝗻𝗰𝗲𝗱! Find out more about our Tailored plans: https://okt.to/2lvuLM Create a KFI: https://okt.to/eqtxLw #equityrelease #finance #mortgage #retirementplanning

𝗗𝗼 𝘆𝗼𝘂 𝗵𝗮𝘃𝗲 𝗰𝗹𝗶𝗲𝗻𝘁𝘀 𝘁𝗵𝗮𝘁 𝘄𝗼𝘂𝗹𝗱 𝗯𝗲𝗻𝗲𝗳𝗶𝘁 𝗳𝗿𝗼𝗺 𝗺𝗮𝗸𝗶𝗻𝗴 𝗿𝗲𝗽𝗮𝘆𝗺𝗲𝗻𝘁𝘀? Have you considered the impact of making repayments? Even a small contribution can go a long way in significantly reducing your client's total cost of borrowing. 𝗠𝗲𝗲𝘁 𝗣𝗮𝘂𝗹𝗮 𝗝𝗮𝗰𝗸𝘀𝗼𝗻... Paula Jackson is a 66-year-old teacher from Leeds. She wishes to repay her outstanding £94,000 interest-only mortgage from her £295,000 property. Without making any repayments, her debt will increase to £249,704 after 15 years; leaving just under £93,000 to pass on to her loved ones. By repaying £250 a month – 48% of her current mortgage outgoing - 𝗠𝘀 𝗝𝗮𝗰𝗸𝘀𝗼𝗻 𝗰𝗮𝗻 𝗺𝗮𝗸𝗲 𝗮 𝗻𝗲𝘁 𝘀𝗮𝘃𝗶𝗻𝗴 𝗼𝗳 𝗼𝘃𝗲𝗿 £𝟯𝟯,𝟬𝟬𝟬 compared to if she made no repayments at all. Read Paula’s story: https://okt.to/bgJAxz Calculate now: https://okt.to/twECQk How to make repayments: https://okt.to/3HNigh #equityrelease #finance #mortgage #retirementplanning

Advisers told us they wanted more flexibility from ERCs, and we responded. We've not only introduced 𝗠𝗮𝘅𝗶 𝗭𝗲𝗿𝗼*, 𝗮 𝗺𝗮𝗿𝗸𝗲𝘁-𝗳𝗶𝗿𝘀𝘁 𝘇𝗲𝗿𝗼 𝗘𝗥𝗖 𝗽𝗿𝗼𝗱𝘂𝗰𝘁, but we've also 𝗿𝗲𝗱𝘂𝗰𝗲𝗱 𝘁𝗵𝗲 𝗘𝗥𝗖 𝘁𝗲𝗿𝗺 𝗼𝗻 𝗼𝘂𝗿 𝗠𝗮𝘅𝗶 𝗽𝗹𝗮𝗻 𝗳𝗿𝗼𝗺 𝟭𝟬 𝘁𝗼 𝗷𝘂𝘀𝘁 𝟳 𝘆𝗲𝗮𝗿𝘀! The new face of Maxi is the latest in a long line of more2life product innovations and improvements in 2024 designed to give you even more ways to provide a great customer outcome. Explore Maxi Zero: https://okt.to/4uhKY8 Discover Maxi: https://okt.to/snF8dj Create a KFI: https://okt.to/oLkVWF *Max Zero comes with an arrangement fee: Initial advance: £1,199 | Further advance: £499 #equityrelease #finance #mortgage #retirementplanning

𝗣𝘂𝘁𝘁𝗶𝗻𝗴 𝘆𝗼𝘂𝗿 𝗰𝗹𝗶𝗲𝗻𝘁𝘀 𝗶𝗻 𝘁𝗵𝗲 𝗽𝗲𝗿𝗳𝗲𝗰𝘁 𝗽𝗼𝘀𝗶𝘁𝗶𝗼𝗻 𝗙𝗹𝗲𝘅𝗶 is all about making it work for your clients. Here’s how we do it: 💰 Bespoke pricing ✔️ Unique futureproofing 📋 Flexible lending criteria 🌊 Personalised flood risk assessments 🤝 Flexible underwriting And here’s the best part: If we don’t take your cases from app to offer in 10 working days, we'll give your client £500. That’s our Service Promise to you. Explore Flexi: https://okt.to/hb1EAs Create a KFI: https://okt.to/FxRv0a SP T&Cs: https://okt.to/kav61b #equityrelease #finance #mortgage #retirementplanning

Here’s your weekly update on what’s been happening at more2life - catch up on all the latest below! Create a KFI: https://okt.to/5gWs1M Explore our products: https://okt.to/GvP6jQ #equityrelease #finances #mortgage #retirementplanning

𝗪𝗵𝗼 𝗶𝘀 𝗿𝗶𝗴𝗵𝘁 𝗳𝗼𝗿 𝗠𝗮𝘅𝗶 𝗭𝗲𝗿𝗼? Now that you've been properly introduced to 𝗠𝗮𝘅𝗶 𝗭𝗲𝗿𝗼, it's time to start thinking about who it could benefit. If you have clients who would like the option to repay some or all of their lifetime mortgage with 𝗻𝗼 𝗘𝗥𝗖𝘀, and would like flexibility to choose when they do, then Maxi Zero - 𝗼𝘂𝗿 𝗺𝗮𝗿𝗸𝗲𝘁-𝗳𝗶𝗿𝘀𝘁, 𝘇𝗲𝗿𝗼 𝗘𝗥𝗖 𝗽𝗹𝗮𝗻 - could be a suitable option for them. Initial advance arrangement fee: £1,199 You can find out more by watching our short webinar: https://okt.to/l1QXqo Create a KFI: https://okt.to/8l1r7V #equityrelease #finance #mortgage #retirementplanning

Meet Pam and Mike Hughes 👫 Due to limited income affecting affordability, historic credit issues*, and the approach of retirement, traditional mortgage options like C&I, RIO, or TIO were not feasible. 𝗧𝗵𝗲 𝘀𝗼𝗹𝘂𝘁𝗶𝗼𝗻: 𝗙𝗹𝗲𝘅𝗶 𝗣𝗮𝘆𝗺𝗲𝗻𝘁 𝗧𝗲𝗿𝗺 𝗟𝗶𝗳𝗲𝘁𝗶𝗺𝗲 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 It’s benefits: 👉 𝗔𝗳𝗳𝗼𝗿𝗱𝗮𝗯𝗶𝗹𝗶𝘁𝘆 𝗰𝗮𝗹𝗰𝘂𝗹𝗮𝘁𝗶𝗼𝗻: Assessed based on the amount borrowed above the base Flexi lifetime mortgage 👉 𝗣𝗮𝗿𝘁-𝗶𝗻𝘁𝗲𝗿𝗲𝘀𝘁-𝘀𝗲𝗿𝘃𝗲𝗱 𝗵𝘆𝗯𝗿𝗶𝗱: Allowed them to pay only part of the interest, reducing monthly payments 👉 𝗥𝗲𝗱𝘂𝗰𝗲𝗱 𝗽𝗮𝘆𝗺𝗲𝗻𝘁 𝘁𝗲𝗿𝗺: Payments required until the oldest borrower turns 66, providing all payments are made, tenure through the roll-up lifetime mortgage period is guaranteed Want to know more? Read their full story here: https://okt.to/Mx46Gw *Historic credit issues will be reviewed on a case-by-case basis #equityrelease #finance #mortgage #retirementplanning