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Research shows that over 55s are open to giving their loved ones an early inheritance, by providing their nearest and dearest with financial assistance now,jordan shoes, when it is needed, rather than leaving it behind when they die.


The research conducted by Retirement Advantage found that 49pc of over 55s have helped out their children or grandchildren financially at some point in the past 18 months*,cheap real jordans.


The survey found that the most popular uses of the gifted funds were to assist family with:








It’s understandable that you may want to give the younger members of your family a step up financially, but for some this is not possible. While your pension may provide you with an adequate income to meet your general bills and day-to-day living costs, would you be able to gift a one-off lump sum to your loved ones if they were in need of it?

Increasing property prices


The average property price in the UK now stands at ?292k, an increase of 7.9% on last year **. This acceleration in price has unfortunately led to a situation where the younger generation are being left behind, with some finding their savings unable to keep pace with the cost of property.

You could provide help now for gifted mortgages and more


There is a way for existing homeowners to use the increasing value of property to their advantage, and help younger family members get the keys to a home of their own.


A Lifetime Mortgage, the most popular form of equity release plan, allows you to access the cash in your home, in the form of a tax-free lump sum to spend however you like. Taking out equity release could allow you to give your family their inheritance early, giving you the chance to enjoy seeing this money being put to use now.


With a Lifetime Mortgage, which is secured against your home, there are typically no monthly repayments to make as the interest is rolled up and is only payable, along with the original amount borrowed, when you and you partner both die or move into long-term care. However,cheap wholesale jordans, if you are worried about the roll up of interest,cheap retro jordans, there are plans that give you the option of paying some or all of the interest on the loan monthly, which means that at the end of your plan, the amount owed would be less.


What’s more, the rate of interest is fixed for the life of the loan so you know exactly what it will cost you. Equity release will reduce the value of your estate and may affect your entitlement to means tested benefits.


Whatever your reasons for considering equity release, you can find out more by requesting the free Telegraph Equity Release Service Guide. Produced by Responsible Equity Release , an award-winning equity release specialist, the guide is wholly impartial and has been independently written by financial journalist Mel Wright.


Unless you decide to go ahead, Responsible Equity Release’s service is completely free of charge,cheap jordans online,http://www.midwestartfairs.com/node/add/articlecheapjordanshoesfreeshipping.com/bolg, as their typical advice fee of ?1,295 will only be charged if your case completes. Think carefully before securing a loan against your home.


*Retirement Advantage, January 2016


**KPMG, 2016


Find out more about equity release now.

Important information


Please note we are not authorised to provide advice or arrange equity release products, so we have partnered with a leading equity release specialist to provide this service to you.


This is a Lifetime Mortgage which may impact the value of your estate and could affect your entitlement to means tested state benefits. To understand the features and risks, as for a personalised illustration. Only if your case completes will Responsible Life Limited charge an advice fee, currently not exceeding ?1,cheap jordan shoes,295. By consolidating your debts into a mortgage, you may be required to pay more over the entire term than you would with your existing debt. Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.


Telegraph Equity Release Service is provided by Responsible Equity Release, a trading style of Responsible Life Limited.