Later Life

Swift, Flexible Lending for a Creative Professional with Complex Income and Offshore Assets

CASE STUDY Overview Referred to Henry Dannell by a trusted private client adviser in Switzerland, the client needed swift action, delivered with absolute discretion. The self-employed composer faced a hard three-week deadline to complete on a £1.5 million property in South London, but their mortgage application...

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Lasting Power of Attorney Brings Lasting Peace of Mind

CASE STUDY Overview Referred by a long-standing Wealth Manager, this case required calm, strategic execution at a time of personal upheaval. Following her husband’s unexpected move into full-time care, our client faced the imminent expiry of their interest-only mortgage, with repayment funds now redirected...

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.

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.