We realise that releasing equity from your home is a serious undertaking and there’s a lot to consider.  We want to provide our customers with peace of mind and are members of Safe Home Income Plans (SHIP) which was launched in 1991 to promote safe equity release plans and safeguard the interests of consumers via an industry code of conduct.  This provides our customers with the following guarantees and assurances:

	The right for you to remain in your property for the rest of your life	No matter what happens to property prices or interest rates, you have the right to remain in your home for as long as it is your main residence.
	A No Negative Equity Guarantee	You will never have to pay back more than the value of your home and there will be no debt left to your estate.
	The freedom to move to suitable alternative property without financial penalties	If you want to move to a new property in future, you can transfer our plan to your new home, provided it meets our criteria at that time.
	Fair, simple and complete presentation of a plan	All product terms such as benefits, limitations and risks are clearly set out in the literature, including all costs that you have to pay when setting up the plan.
	Financial advice from a fully qualified adviser	We only accept applications from advisers who are suitably qualified, have fully advised you on the options available and explained the impact a plan may have on any entitlement to state benefits or tax.
	Independent legal advice from the solicitor of your choice	Before your plan is formally completed, your solicitor will be provided with full details of the benefits you will receive. He or she will be required to explain the terms and conditions to you to and confirm this to us in writing.

 For IFA's - to get a quote please call 0845 108 7240.