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Our case studies bring to life how different solutions can help your clients. Increasingly, retirement is a very personal journey, so it’s important to find the optimal solution for each client, and to think differently.
Often there isn’t a single product solution, rather a combination of products, layered to produce the best outcome.
Take a look at how you can use different products, alone or in combination with others, to meet each client’s needs.
Guaranteed income case studies
Colin case study
A layered approach to retirement planning.
Oliver and Wendy case study
Bridging the income gap with a Fixed Term Retirement Plan.
Optional Payment Lifetime Mortgage (OPLM) case studies
Megan case study
Megan, single and aged 59 needed to find a mortgage that allowed her to start repaying her loan at an affordable rate whilst working. But, enables a flexible repayment strategy to reduce her monthly interest payments when she retires in 6 years time.
Kevin and Sally case study
The married couple are on a tracker mortgage determined by the Bank of England rates. With rates on the rise, they were keen to look at an affordable fixed interest rate for life to assure when retirement comes in 6years time they’ll still be in a financial position to afford the monthly repayments.
Peter case study
Peter, retired, aged 75 has an interest only mortgage that’s coming to an end. Without any savings or investments, he was struggling to find a way of paying back the capital on his home. Peter spoke with his mortgage adviser who discussed the flexible monthly interest repayments available with an OPLM.
Lifetime Care Plan case studies
Livia case study
This case study looks at how a Lifetime Care Plan can help Livia fund her care.
Mary case study
This case study looks at how a Lifetime Care Plan can help Mary fund her care.
Retirement Interest Only Mortgage (RIO) case studies
Anne Marie case study
Anne Marie is divorced and this case study looks at how a RIO mortgage could help her stay in her home following a later life divorce.
Dave and Sue case study
Dave and Sue are both retired and this case study looks at how a RIO mortgage could help them improve their home.
Derek case study
Derek is divorced and this case study looks at how a RIO mortgage could help him move into a new property.
Ken and Judy case study
Ken and Judy are approaching the end of their interest-only mortgage and need to find a solution to clear the remaining balance and this case study looks at how a RIO mortgage could be used.