We work with a range of partners offering other services too.

Our partners enable us to refer you to additional advisory services.

Mortgage Advice

We have partnered with an award-winning company, with specialist Mortgage experts who can provide advice on alternative lending solutions as opposed to equity release. They will take the time to ensure they understand your financial situation by completing a fact-find and assessing your documentation.

Wealth Management

We work with a partner who always discuss with clients whether using their existing savings, pension funds or other investments would be a better alternative to equity release depending on their circumstances. As the use of an alternative fund could be more cost effective.

Again, we work with a partner who can provide expert wealth management advice as part of a holistic approach to your retirement planning.

Later Life Planning

We work with a partner who has specialists who can support your later life planning needs, in the following areas:

Wills

Everyone should have a Will, no matter how much money they have or how many belongings they own. We recommend reviewing your Will/Wills every 2-5 years to ensure they align with your wishes. Writing a Will is the only way to ensure a person’s wishes are carried after they have passed away.

51% of adults in the UK do not have a will
30% of adults over 55 do not have a will
26% of adults do not believe they have sufficient wealth to warrant writing a will

Research findings from Canada Life 2024

The benefits of writing a will

The right things go to the right people when you pass away
It can help avoid family arguments at an already difficult and stressful time
You can appoint someone you trust as an Executor, who will look after your affairs when you’re gone.

The impact of not having a will

The law will decide who receives your property and how it is shared out. It does not automatically go to your husband, wife or civil partner
The state will inherit everything if you have no family and do not leave a will
Cohabitees need to be aware that their partner is not their next of kin without a will, and may receive nothing from the estate
A will is a much less expense than a disputed estate
Marriage, children, separation, divorce, living together or dying together can have serious implications if you do not have a properly worded will.

We work with partners who can support your will writing needs.

Lasting Power of Attorney

Due to the long term nature of equity release plans, it is important to consider putting a lasting power of attorney in place. We believe that everyone over the age of 17, should have a lasting power of attorney registered with The Office of the Public Guardian to ensure that someone they trust can act as their Attorney should they ever lose the capacity to make decisions that are in their best interests.

If you were no longer able to make decisions for yourself…

Who would make those decisions for you?
What decisions would they make?
What legal powers do they actually have currently in place to allow them to make those decisions?
How would it affect your family / spouse if they weren’t permitted to make those decisions?
What problems could that cause for you?

How do you feel about that?

However, it is not only about the loss of mental capacity. A lasting power of attorney can play an important role in the loss of any physical capacity.

Lasting Powers of Attorney are particularly important when you are considering releasing equity from your home. Without an LPA covering Property and Financial Affairs, if you lost capacity, you may no longer be able to access further funds for future needs which may arise, such as;

the cost of care
moving home
making home improvements without a lengthy and complex legal process.

We work with a partner who has specialists in this area, who can provide you with the support you need to ensure you have the peace of mind that your property and finance and health and welfare affairs will be managed in accordance with your wishes if your situation should change.

Utilise our FREE, helpful tools

Access our useful tools available to for you to help plan your equity release journey.

Take the next step with Sterling Equity Release

If you gave a question about Equity Release, how we can help, or you’re ready to plan your next steps. Please get in touch.

Iain Carter

2024-07-02

As a company I refer my clients that are looking for equity release advice over to Mark. His knowledge and understanding of the market is fantastic. Mark works exceptionally hard to provide great customer outcomes. If you are looking for an expert equity release advisor then look no further.

Jeanie Gilford

2024-06-26

Having recently completed and received the equity I requested I have found the process very easy. Mark Jackson has advised me throughout and I have found his help and advice invaluable. I could not have had a better adviser.