Lifetime Goals

Ambitions in your retirement?

At Flexible Lifestyle our clients are at the heart of what we do, meaning our products are designed
to suit a wide range of needs and we have whole of market access. That’s why we have different types of lifetime mortgage to suit different client circumstances and needs. While a lifetime mortgage is a loan secured against your home, it can help give you security and peace of mind during retirement, whether you want to stay in your own home, are thinking about moving, or want to use part of the value of your home for a lifetime goal, ambition or inheritance tax planning.

Want to help your grandchild and tax plan sensibly?

For many young people, the possibility of owning their own home is fading. Wages are not rising in line with house price inflation. Sky-high rents mean that saving a deposit is difficult. Clients of Flexible Lifestyle could be grandparent homeowners giving money to family members. This has included grandparents gifting money to their grandchildren to enable them to buy their own home. For many, this is not only an act of altruism – it is a sensible tax planning strategy. As it stands today, money gifted to family seven years or more before death could avoid hefty inheritance tax.[1] The hard-nosed and softies alike benefit. The hard-nosed financiers among us benefit from a tax efficient inheritance strategy. The softies get to see the grandchildren settle down into their new pad. It’s a win, win situation.

To review your options for free, please contact Flexible Lifestyle

we look forward to hearing from you.  

[1] Inheritance Tax, Gov.uk. https://www.gov.uk/inheritance-tax/gifts

Equity release may impact the size of your estate and it could affect your entitlement to current and future means-tested benefits

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