LATER LIFE LENDING
Although Bragagnini Associates is an established and leading mortgage brokerage, we offer so much more than just mortgages.
We believe a mortgage is the cornerstone of financial advice but it must not be looked at in isolation. We therefore offer the items on the left as part of our standard service.
LATER LIFE LENDING
Danny Hopwood is a specialist in Later Life Lending
Experienced
Danny has been an advisor at Bragagnini Associates since 2009 and has been in financial services since 1987.
He began his career at Barclays Bank and then worked in the City of London for over 10 years at leading financial institutions including John Charcol and Bluefin.
Passionate
Danny is passionate in ensuring his clients get unsurpassed levels of simplified advice. With so many Later Life Lending products in the market, Danny uses his wealth of experience in property finance and financial advice to make sure his clients and their families understand what can be a daunting, emotional and sensitive commitment.
Qualified
Danny is a member of the Equity Release Council and adheres to their high standards and codes of practice.
Danny Specialises In:
Equity Release
Letting you access the equity (cash) tied up in your home if you are over the age of 55.
RIOS
Retirement Interest Only Mortgages designed to help older borrowers who may struggle to get a standard residential mortgage.
Standard Mortgages
A standard UK mortgage, secured on a property which can be used either for a purchase or a remortgage.
Equity Release includes Lifetime Mortgages and Home Reversion Schemes. We can advise and arrange lifetime mortgages and will refer to an approved specialist for Home Reversion schemes. Additional Terms & Conditions apply for Equity Release products. Lifetime Mortgages are applicable to 55+ only, may affect state or means tested benefits and can affect the inheritance you may leave.
WHY DO I NEED A WILL?
Statistics prove that many people never get around to arranging their will and this causes major issues should they die intestate. We offer advice on all types of wills and trusts at a very competitive price and handle the entire process on your behalf.
With today’s average UK house prices, many people’s assets may now take them over the Inheritance Tax (IHT) threshold, meaning that substantial tax will have to be paid upon death.
There are simple ways of protecting against this and we can provide specific advice in this area.
WHY DO I NEED LIFE INSURANCE?
Life insurance is one of the most important things you can do to take care of your family and loved ones.
If you die without life insurance, your home could be repossessed and your family could suffer serious financial hardship.
Life insurance can be set up in many different ways and it’s important to get the right advice for your needs and circumstances.
Beware of cheap life cover and price comparison websites. Unless you have independent financial advice you could end up with the wrong type of cover or not enough cover and could also be paying too much.
It is important to put your life cover into a trust. This means that the benefits of your policy are given to specific people you nominate, known as your beneficiaries. The advantage of this is a policy validly placed in trust may mitigate the effects of inheritance tax.
At Bragagnini Associates, we have many years of experience in this area and can tailor plans to your personal needs, thus giving you peace of mind and confidence you are in the right hands and, most importantly, that your family and home are fully protected in the event of your death.
