Independent Financial Advice Northern Ireland - IMIA Ltd - Equity release Northern Ireland, Belfast, Bangor & County Down

Equity Release / Lifetime mortgages

OPTION FOR NO REPAYMENT DURING YOUR LIFETIME

ARE YOU ASSET RICH & CASH POOR?

ARE YOU AGE 55 & OVER?

Introduction
A solution for homeowners over the age of 55 who want to maximise the amount of equity they can release from their properties to enhance their lifestyle in retirement.

IF YOU OWN YOUR OWN HOME EQUITY RELEASE CAN ENABLE YOU TO UNLOCK THE CAPITAL IN YOUR HOME.

MONEY TO:

Holiday or even holiday home abroad
To Cover Essential Expenditure
To assist your children & grandchildren
To help reduce inheritance tax liability
Make provision for care in old age
Home Improvements
To boost income in retirement
Or any other legal purpose

FOR A CONFIDENTIAL CONSULTATION WITH PROFESSIONALLY QUALIFIED ADVISORS PLEASE CONTACT US NOW
Key features of Lifetime Mortgage

The current loan offering can either be on a variable or fixed rate for the duration of the Mortgage Term.
Interest is rolled up monthly and added to the loan throughout the term. No monthly repayments are required
The loan is not payable until the last borrower living in the property either dies or the property ceases to be their main residence
Lump sum drawdown and further loan facilities available. Subject to terms and conditions
"No negative equity guarantee" which ensures that the most borrowers (or their estate) will ever owe is the value of the property.
Generous loans to value available*
Portability option available, subject to criteria

Equity Release' includes home reversion plans and lifetime mortgages. To understand the features and risks, ask for a personalised illustration.

E michael@imia.co.uk

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Independent Mortgage & Investment Advisors and Independent Mortgage & Insurance Advisors are both Trading Styles of IMIA Limited which is authorised and regulated by the Financial Services Authority, and is entered on the FSA register (www.fsa.gov.uk/register) under reference 436239.

For Mortgages we can be paid by Commission or a Fee or a combination of both. If paying by Fee this is charged at an hourly rate of £120.00. For example it typically takes us 10 hours to complete the advice, recommendation process, administration and preparation of a Mortgage, therefore the Fee would be £1,200.00. As an alternative we will charge a minimum of 1% of the loan, whichever is greater e.g a loan of £150,000 would cost £1500. This Fee note & or Commission, is in addition to any marketing allowance we may receive from the product provider we recommend to you.

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OPTION FOR NO REPAYMENT DURING YOUR LIFETIME

ARE YOU ASSET RICH & CASH POOR? ARE YOU AGE 55 & OVER?

ARE YOU ASSET RICH & CASH POOR?

ARE YOU AGE 55 & OVER?