Later Life

Home Reversion Plans: An Overview for Later Life Borrowers

Although less common than lifetime mortgages, home reversion is an option which can be explored within this article as we highlight its key benefits and considerations.

Education Hub

Buying a Home in Retirement: Navigating the Downsizing Decision

This guide explores the benefits and challenges of downsizing, the timing of a move, and the options available if selling your home is not the right fit.

Understanding Lifetime Mortgages

This guide explains how lifetime mortgages work, the benefits and risks, who they suit, and where they fit alongside other options.

Equity Release Explained: Accessing Property Wealth in Later Life

This overview explores how equity release works, who it may benefit, and the considerations to weigh as part of your long-term financial planning.

Elderly couple reviewing financial documents at home, symbolising careful planning, informed decision-making, and the importance of understanding asset implications in later life care funding.

Gifting and the Family Home: Preventing Deprivation of Assets Pitfalls

Gifting your home to family members may appear to be a sensible step for inheritance planning or future care funding, but it can trigger serious financial and legal consequences if not properly structured. This article explores the deprivation of assets rules, common pitfalls in gifting the family home, and the...

A smiling healthcare professional holding hands with an elderly woman at home, symbolising trust, personalised care, and long-term health support in later life.

When a Loved One Needs Care: Funding and Protecting The Family Future with Later Life Mortgage Options

A sudden care requirement for a loved one can bring emotional upheaval and urgent financial decisions. From funding care home fees to preserving the family home, later life lending presents a flexible and strategic solution for families navigating this complex landscape.

Professional woman discussing financial planning with an adviser, reviewing documents related to inheritance tax and estate strategy

Inheritance Tax (IHT) and Structuring Debt for Estate Planning

From asset-backed lending to intergenerational loan structures and portfolio leveraging, borrowing can reduce the taxable value of an estate, provide liquidity for IHT settlement, and preserve control over assets.

Adult daughter helping her elderly mother in a wheelchair into a car, representing family caregiving and financial support in later life.

A Financial Guide for Adult Children Supporting Elderly Parents

This guide explores how adult children can offer financial support with clarity and confidence, covering areas such as care funding, property decisions, estate planning, and intergenerational wealth impact.

Smiling grandmother embraced by her young granddaughter, symbolising intergenerational gifting and legacy planning.

Gifting Rules Quick Guide

This guide outlines the key exemptions available from the £3,000 annual allowance to unlimited gifting from surplus income and highlights powerful strategies including trusts, structured giving, and how to avoid common pitfalls like gifts with reservation of benefit. Designed for individuals with substantial estates, it offers practical insights for structuring...

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10 Signs It’s Time to Review Your IHT Exposure

This article presents ten key indicators signalling when it might be time to reassess your tax position. These include substantial property appreciation, outdated Wills, unstructured gifting, and holding life insurance outside of trust structures. Strategic insight now can help avoid unintended tax bills and protect wealth for future generations.