My role as a Later Life Mortgage Adviser with WARNERS FINANCIAL SERVICES also includes helping clients who are 50+ with an interest only mortgage. I can look at helping older borrowers who may struggle to replace a standard residential mortgage when a review is needed and explain about a Residential Interest Only (RIO) mortgage which can help older homeowners borrow into retirement.

If you are worried about meeting your lenders criteria at the next review, find that your choices are narrowing, fees increasing and affordability checks changing, please contact me for a chat. This applies to anyone who is approaching retirement and still has an interest only mortgage debt you are not sure how to pay off.

You may not be ready to downsize from the home you love or move into retirement accommodation as you originally planned, or circumstances have changed, and you are now not sure of your exit strategy.

I can help you understand the options even if you are currently tied into a mortgage deal, it is better to start planning now which will give you peace of mind for the future.

Providers have spent time sourcing new ideas like the Retirement Interest Only (RIO) Mortgage, to help those who still have loans or who need to release capital from their property and want to look at other options.

It concerns me that there is still not an understanding of the value of independent mortgage advice, whatever your circumstances, this must be your priority, please get in touch so I can explain more.

JILL PULLIN - Later Life Mortgage Adviser - Warners Financial Services | Market Street | WYMONDHAM | 01953 607 313 | 07747 366 854 | jill@warnersfs.co.uk

Your home may be repossessed if you do not keep up repayments on your mortgage. We normally charge a fee for mortgage advice, this will be dependent on your circumstances, our typical fee is £299, however the initial consultation is free. Warners Financial Services is a trading name of Wealthspend Limited who are an Appointed Representative of PRIMIS Mortgage Network, a trading name of Personal Touch Financial Services Ltd. Personal Touch Financial Services Ltd is authorised and regulated by the Financial Conduct Authority. On 7th February 2023 the information contained within was correct at the time of publication but is subject to change.

I want to be very clear on what I can offer you:

• A local Wymondham Office

• We work from a comprehensive panel which is representative of the whole of market

• Use of a sourcing system

• Free initial consultation

• Making sure you understand the advantages and disadvantages before reaching a decision

• Benefit of my 35 years in the Financial Services industry

• Work at your pace, no pushy phone calls!