Articles for your clients
Plain-English articles for homeowners on overpaying or pensions, life cover, borrowing in retirement, buy-to-let and inheritance.
Plain-English articles for homeowners on overpaying or pensions, life cover, borrowing in retirement, buy-to-let and inheritance.
What overpaying and paying into a pension each do, the tax difference, and the questions that decide between them.
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Using a pension lump sum to clear the mortgage is a large decision, and it cannot be undone. What to weigh up before doing it.
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Lenders do not usually require it, and a mortgage may be the largest debt a family has. What life cover is for, the difference between the main types, and how to think about how much.
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Illness or injury can stop you working, and the mortgage still has to be paid. How income protection works, what sick pay covers, and the questions to ask.
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A way of borrowing in later life where you pay only the interest and the loan is repaid when you die or move into long-term care. How it works, who it suits, and how it compares with the alternatives.
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Some people reach retirement with a mortgage still running. The options when the term ends, how lenders look at borrowing in later life, and the decisions it is connected to.
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When using inherited money to clear the mortgage can suit you, and what to check before paying anything off.
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Some people rely on property as their pension. How rental property and pensions differ on tax, risk, access and what happens when you die.
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The rule that changed how individual landlords are taxed on mortgage interest. What it does, who it affects, why some landlords pay more tax than their profit suggests, and the questions it raises.
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What happens when a fixed-rate deal ends, the difference between a product transfer and a remortgage, when to start looking, and what else to review at the same time.
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What the lender will ask you for, how a gift is treated for inheritance tax, and the questions to settle about your own retirement before the money goes.
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How a Lifetime ISA works when you buy, the timing and price rules that can catch you out, and what happens to the account after you move in.
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A joint borrower sole proprietor mortgage adds your income to your child's application. What it makes you responsible for, how it affects your own plans, and what to ask before you sign.
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From 6 April 2027 most pensions left on death count towards the estate for inheritance tax. What changes, what stays the same, and how it touches decisions about your mortgage.
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In a divorce, the family home and the pensions are often the two largest assets. How they can be divided, what keeping the house means for your mortgage, and why the two decisions should be made together.
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A bigger deposit can mean a lower rate and a smaller loan. Putting all your savings into it leaves nothing for the costs of the first months in a new home. What to weigh up before you decide.
Read itEach article answers a question where a mortgage decision and a pension or investment decision meet. Send the link to a client when the question comes up on their case.
The articles explain how things work and do not take a reader’s circumstances into account. Each one sends the reader back to their broker, who can introduce them to an Equity & General financial planner.
Your firm keeps the mortgage and protection advice. Equity & General gives the pension, investment and estate planning advice, and a named partnership manager sets the arrangement up with you.