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equity release council members directory

Phone Number. 132 likes. Essex Equity Release are members of the Equity Release Council. All firms advising on or selling equity release have to be regulated by the Financial Conduct Authority (FCA). Equity's governing body is the Council, which consists of 32 Councillors plus the president. When considering an equity release plan we recommend customers talk to a specialist member of the Equity Release Council. ©2020 Equity Release Council. Equity Release Council They work to ensure that equity release products are safe and accessible for consumers. Please note that we are not able to offer equity release for leaesback properties. Providers. The company is not authorised under the Financial Services and Markets Act 2000 and is therefore unable to offer advice. All of our members have agreed to abide by the Council rules and have signed up to the Statement of Principles. Many firms listed as offering face-to-face advice are offering telephone advice and video calls during the pandemic. 55 Plus Equity Release is a member of the Equity Release Council. Members of the equity release council. Please check with the individual firm. Members of the Equity Release Council sign up to the Equity Release Council’s Statement of Principles which puts in place a number of safeguards and guarantees for consumers. They represent equity release providers, qualified financial advisors, lawyers, intermediaries and surveyors. Equity Release in France is not the same product as in the UK. Associates. Latest News. This means that people who use equity release products offered by Equity Release Council members can have confidence in the products they use and the information they receive. Open Menu. Equity release refers to a range of products letting you access the equity (cash) tied up in your home if you are over the age of 55. They should get legal advice before doing this. You should choose a product from a company that is a member of the Equity Release Council. Contact Us mail@htfinancialservices.co.uk. Church Lane Thornby We do no credit checks as they are not required to obtain your free no obligation quotes. Later Life Equity Release Council updates industry standards. Membership. The Equity Release Council’s ‘no negative equity’ guarantee means your beneficiaries will never owe more than the property is worth when it’s sold. Find a Member. Providers. Equity Release Council Members of the Equity Release Council; To speak to a qualified adviser about equity release simply enter your details in our Equity Release Form. Church Lane Thornby And they need to have a relevant equity release qualification to give advice. Equity Release Council, Thornby, Northamptonshire. Welcome to the Equity Release Council and thank you for your interest in joining as a new member. The Equity Release Council is the industry body for the equity release sector. All of our members have agreed to abide by the Council rules and have signed up to the Statement of Principles. Solicitors. I consent to my submitted data being processed and stored by Equity Release Council in compliance with our Privacy Statement. Free calculator. Affiliates. They are offered by big brand names that are best known for their insurance products or pension plans and specialists that have grown to become leading lifetime mortgage lenders. I consent to my submitted data being processed and stored by Equity Release Council in compliance with our. It’s unsafe and unregulated – This is not the case. * If you are in poor health you may be entitled to better terms with an Enhanced Lifetime Mortgage. COVID-19 support. Originally launched in 1991, the Equity Release Council (ERC) is an organisation that is supported by the leading providers of equity release within the UK. 3. Solicitors. You have two options to contact us. Affiliates. Lifetime mortgage providers. Our Membership Hub represents the interests of 90% of the Equity Release sector. We're Members of the Equity Release Council Protect your beneficiaries The figures are an indication of the amount available, subject to full assessment and underwriting. Guaranteed income for life. The Old Rectory Maintain 100% ownership of your home. In the 12 months to Q3 2018, more than 78,000 new and existing customers have used their housing wealth to release equity while lending in Q3 2018 surpassed £1 billion for the first time in any single quarter. You can take the money you release as a lump sum or, in several smaller amounts or as a combination of both. Equity has five officers — the President, the General Secretary, two Vice-Presidents and the Honorary Treasurer. NN6 8SN. Need help? The Old Rectory Similarly, if you take out equity release on your own and later get married you might not be able to put the scheme jointly under both your names. If a family member or friend moves in with you, they’ll have to sign an occupancy waiver releasing any rights to the property. Associates . The UK’s financial services regulator, or 3. This provides protection, security and access to the Financial Services Compensation Scheme if you ever need it. The "catch" is that the income-provider must be repaid at a later stage, usually when the homeowner dies. Email. December 23, 2020. Council publishes Best Practice Guide for … 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.. A major focus of the Equity Release Council’s work is to ensure that products are safe and accessible for consumers. When considering an equity release plan we recommend customers talk to a specialist member of the Equity Release Council. On top of this all members also abide by the overarching principles of the Council. To make sure you are dealing with a genuine member … You can view the contact details of our members in the member directory. When considering an equity release plan we recommend customers talk to a specialist member of the 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 individual enquiry. All of our members have agreed to abide by the Council rules and have signed up to the Statement of Principles. Using members of the Equity Release Council is essential to ensure your equity plan gives you the guarantees you need. Regulated by the Financial Conduct Authority (FCA). Find an adviser with an equity release qual… The myths about equity release . Affiliates. *Equity Release Council Spring Report, March 2019. If you are in doubt, seek specialist advice. All of our members have agreed to abide by the Council rules and have signed up to the Statement of Principles. If you would like to discuss whether taking out an equity release plan is right for you, please contact one of our member firms. If you live in the Manchester area and need equity release advice please call us. Telephone advice is where the advice is provided primarily over the telephone by a qualified adviser and is supported by an appropriate call centre for the purpose, with call recording, data storage and appropriate monitoring procedures in place. However, please note that this is not a complete list of all Equity members as members can choose whether to be included here. Customers of Council member firms will receive a higher level of consumer protection than any other property-based loan. The Equity Release Council. No credit check. December 9, 2020. Equity Magazine: Covid Response . To speak to a qualified adviser about equity release simple enter your details in our Equity Release form. Members of the Equity release Council has now been … Members of the Equity Release Council have to abide by a Code of Conduct that guarantees that our ethics and standards. A key role that is central to the process of considering, evaluating and entering a contract in equity release, which is why the Financial Conduct Authority requires customers to seek advice when releasing equity from their homes. Not all providers, advisors, solicitors or surveyors are members of the council. Last Name. 2. The agent of a regulated firm, 2. Equity Release Council The Old Rectory Church Lane Thornby NN6 8SN Regulated firms and their agents are placed on the FCA Registerand have to meet certain standards. 1. All members of the Council are elected from the membership by the membership every two years. Equity's Directory of Members helps employers find the talent they need. Membership at Equity Release Council. Post Code. Equity Magazine Summer 2020: COVID-19 Response. Date of Birth.. You can search their members directory … The Council puts this rise in membership down to property wealth becoming a common feature of later life financial planning conversations between consumers and advisers. Unlock Tax Free Cash from your Home Today. The equity release council is not authorised to give or offer advice to customers. Calculate My Free Quote Now! Lifetime mortgages are by far the most popular types of equity release schemes. Advisers. Available support: a quick guide. Solicitors. Contact Us Call 0800 680 0356 Request a Callback . The equity release council is a trade organisation that represents the equity release industry. Without the Equity Release Council, you could be putting yourself at risk with an unreliable plan. The Equity Release Council now represents all participants in the equity release market, providing a voice for the sector as well as setting standards and safeguards which protect and reassure consumers. It was created to promote safe equity release products and to safeguard the interests of homeowners. The Equity Release Council has increased its membership by 97% in the last two years, with the total number of firms increasing from 219 to 431. Please refer to one of our specialist advisers. Face to face is where advice is delivered by a qualified adviser who will travel to a customer’s home or other location of choice and discuss their needs allowing any family members to be present and involved in the decision making process. Find a Member . This council was elected in July 2020. Equity Release Calculator . Advisers. Apply to be a Member. Associates . The application process is relatively straightforward but should you have any question, please feel free to contact us. Equity release will reduce the value of your estate and may affect your entitlement to means-tested state benefits. The Equity Release Council (ERC) is the new trade body for the equity release industry which has incorporated the codes of conduct formerly laid down by SHIP (Safe Home Income Plans). All plans sold by Equity Release Council members include some very important safeguards to protect you and your property, these include a no negative equity guarantee, ie, you will never owe more than the value of your property and security of tenure, giving you the right to live in your property for the rest of your life or until you move into long term care. ©2020 Equity Release Council. All Rights Reserved. Firms advising on or selling equity release have to be: 1. If you would like to discuss whether taking out an equity release plan is right for you, please contact one of our member firms. When considering an equity release plan we recommend customers talk to a specialist member of the Equity Release Council. NN6 8SN. Season’s greetings – Read more. You can view the contact details of our members in the member directory. The ERC has set the standards that all members of the equity release industry should abide by in providing a professional & ethical advisory service. Not all providers, advisors, solicitors or surveyors are members of the council. Later Life Equity Release Council membership grows 46% in 2018. The Council has also seen a 38% increase in registered individuals over the same period, rising from 673 in December 2017 to over 900. 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). First Name. All of our members have agreed to abide by the Council rules and have signed up to the Statement of Principles. To make sure you are dealing with a genuine member look for the logo and search our web site under member directory. The French product allows you to release funds from your French property that you will then pay back with monthly payments. Free Equity Release Calculator Property Value Title. The Equity Release Council, formerly Safe Home Income Plans is a company limited by guarantee and registered in England No 2884568. Find an adviser with an equity release qualification on the Society of Later Life Advisers website. Providers. The equity release council is a trade organisation that represents the equity release industry. All Rights Reserved. Find a Member . Advisers. Branches directory; Deputies; Show More; Policy Work; Plan your own campaign; Networks; Arts Policy & Campaign Working Party; Equity logos for members; Fundraising for the Benevolent Fund; News; About; Contact; Login; Search. 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. Only advisers holding membership of the Equity Release Council promise to follow our stringent Statement of Principles for your added peace of mind. They represent equity Release plan we recommend customers talk to a specialist member the! Your entitlement to means-tested state benefits of homeowners our members have agreed to abide by the Conduct! Trade organisation that represents the equity Release industry terms with an Enhanced Lifetime Mortgage homeowner dies membership every years... Services Compensation Scheme if you ever need it industry body for the logo and search our web site under directory! 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