Episodes

  • Equity Release Advisors-Top Ten Tips to boost your business in 2023

    Equity Release Advisors-Top Ten Tips to boost your business in 2023
    Nov 23 2022
    In this episode I discuss ten simple to implement, practical tips to prepare your Later Life Lending business for 2023. Ocean Mortgages Ltd (FCA number 841683) are authorised and regulated by the Financial Conduct Authority. Registered in England, Reg No: 108221. Ocean Equity Release is a Trading name of Ocean Mortgages Ltd. A lifetime mortgage may impact your entitlement to means-tested benefits and the inheritance you may leave. As a mortgage is secured against your home, it could be repossessed if you do not keep up the mortgage repayments. Only if you choose to proceed with an application will Ocean Mortgages Ltd charge a fee, usually payable on completion. Our adviser will talk you through this and the setting up costs before you make any decision to proceed. A lifetime mortgage may affect the value of your estate and your entitlement to means-tested state benefits. This podcast is purely for entertainment purposes and does not constitute advice. Please contact us if you do require advice.
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    24 mins
  • Equity Release Podcast-Introduction to the series

    Equity Release Podcast-Introduction to the series
    Nov 30 2022
    In this episode we discuss why we have started the first Equity Release podcast series made by qualified professionals. We introduce ourselves and our roles, as well as discuss the types of Podcast we are making in the future. Ocean Mortgages Ltd (FCA number 841683) are authorised and regulated by the Financial Conduct Authority. Registered in England, Reg No: 108221. Ocean Equity Release is a Trading name of Ocean Mortgages Ltd. A lifetime mortgage may impact your entitlement to means-tested benefits and the inheritance you may leave. As a mortgage is secured against your home, it could be repossessed if you do not keep up the mortgage repayments. Only if you choose to proceed with an application will Ocean Mortgages Ltd charge a fee, usually payable on completion. Our adviser will talk you through this and the setting up costs before you make any decision to proceed. A lifetime mortgage may affect the value of your estate and your entitlement to means-tested state benefits. This podcast is purely for entertainment purposes and does not constitute advice. Please contact us if you do require advice.
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    19 mins
  • Bob and Jane who used a Lifetime Mortgage to move house earlier this year

    Bob and Jane who used a Lifetime Mortgage to move house earlier this year
    Dec 7 2022
    In this episode, Bob and Jane explain why they decided to move from France to the UK and how they used a Lifetime Mortgage to achieve this. Ocean Mortgages Ltd (FCA number 841683) are authorised and regulated by the Financial Conduct Authority. Registered in England, Reg No: 108221. Ocean Equity Release is a Trading name of Ocean Mortgages Ltd. A lifetime mortgage may impact your entitlement to means-tested benefits and the inheritance you may leave. As a mortgage is secured against your home, it could be repossessed if you do not keep up the mortgage repayments. Only if you choose to proceed with an application will Ocean Mortgages Ltd charge a fee, usually payable on completion. Our adviser will talk you through this and the setting up costs before you make any decision to proceed. A lifetime mortgage may affect the value of your estate and your entitlement to means-tested state benefits. This podcast is purely for entertainment purposes and does not constitute advice. Please contact us if you do require advice.
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    31 mins
  • Equity Release Award Ceremonies: Who wins them and Why?

    Equity Release Award Ceremonies: Who wins them and Why?
    Dec 14 2022
    Do you ever wonder who wins all the awards at the ceremonies that take place in December and January? This podcast explores: Who they are. Why they win the awards? This could help you answer that nagging question: What could I do to win? Ocean Mortgages Ltd (FCA number 841683) are authorised and regulated by the Financial Conduct Authority. Registered in England, Reg No: 108221. Ocean Equity Release is a Trading name of Ocean Mortgages Ltd. A lifetime mortgage may impact your entitlement to means-tested benefits and the inheritance you may leave. As a mortgage is secured against your home, it could be repossessed if you do not keep up the mortgage repayments. Only if you choose to proceed with an application will Ocean Mortgages Ltd charge a fee, usually payable on completion. Our adviser will talk you through this and the setting up costs before you make any decision to proceed. A lifetime mortgage may affect the value of your estate and your entitlement to means-tested state benefits. This podcast is purely for entertainment purposes and does not constitute advice. Please contact us if you do require advice.
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    50 mins
  • Using a Power of Attorney to raise funds for an elderly relative

    Using a Power of Attorney to raise funds for an elderly relative
    Jan 11 2023
    In this episode Steve tells us how he used the Power of Attorney his Aunty had in place to raise funds for his elderly Aunty to continue to receive care in her home. Ocean Mortgages Ltd (FCA number 841683) are authorised and regulated by the Financial Conduct Authority. Registered in England, Reg No: 108221. Ocean Equity Release is a Trading name of Ocean Mortgages Ltd. A lifetime mortgage may impact your entitlement to means-tested benefits and the inheritance you may leave. As a mortgage is secured against your home, it could be repossessed if you do not keep up the mortgage repayments. Only if you choose to proceed with an application will Ocean Mortgages Ltd charge a fee, usually payable on completion. Our adviser will talk you through this and the setting up costs before you make any decision to proceed. A lifetime mortgage may affect the value of your estate and your entitlement to means-tested state benefits. This podcast is purely for entertainment purposes and does not constitute advice. Please contact us if you do require advice.
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    27 mins
  • Stuart Wilson, Chairman of Air Group discussing Air group's growth over the last 15 years

    Stuart Wilson, Chairman of Air Group discussing Air group's growth over the last 15 years
    Jan 18 2023

    This episode is a great insight into where AIR (Answers in Retirement) began and how it has grown to become the largest provider of Later Life Lending resources for advisors in 2022.

    Stuart Wilson, Chairman of Air Group tells us anecdotes of why he started the business to support advisors and their potential clients as nothing similar was available.

    Stuart also explains how the group gradually grew over the next 10 years, and worked with key industry figures to become the largest Lifetime Mortgage Club in the industry.

    The insights into how AIR has progressed in the last five years is then explained, as well as Stuart's initial thoughts on where Air and the industry will go in 2023 and beyond.

    The episode also discusses Consumer Duty and the impact it is currently having on advisors and lenders, as well as the great changes for consumers that this will bring.

    Martin Lewis and his increasing enthusiasm for Lifetime Mortgages to be considered by homeowners over the age of 55 is the next topic, as well as how well the Equity Release Council has transformed in the last 18 months.
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    31 mins
  • Stuart Wilson Chairman of AIR Part 2- 2023 and beyond

    Stuart Wilson Chairman of AIR Part 2- 2023 and beyond
    Jan 25 2023

    Part 2 is what everyone wants to hear from Stuart Wilson. His views on what will happen to the Later Life Lending industry in 2023 and what is coming next from AIR.

    Stuart discusses:

    -What happened in October 2022 and the effects this had on the Later Life Lending market.

    -What has imporoved in 2023 to give advisors and consumers confidence.

    - What the 'new normal' for LLL will look like and the 'change and opportunity' that Stuart sees coming.

    -Consumer Duty and the changes that will bring in 2023.

    -Thoughts on how to develop your lead generation and grow your bsuiness.

    -How AIR is going to further support the market in 2023.
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    29 mins
  • Jim Boyd CEO Equity Release Council: ERC for Consumers considering Later Life Lending

    Jim Boyd CEO Equity Release Council: ERC for Consumers considering Later Life Lending
    Feb 1 2023

    In this episode Jim Boyd, CEO of the Equity Release Council explains the role of the ERC in protecting consumer interests including:

    -the no negative equity guarantee

    -the right to move property with a Lifetime Mortgage

    -a Fixed interest or capped interest rate on products

    -security of living in the property until going into care or dying

    -NEW. Being able to pay off interest and/or part of the laon on all new policies

    -the role of a solicitor in protecting the consumer

    -how to find an advisor who follows the ERC rules

    -why the industry still battles to show people that ERC is a well regulated industry with excellent advisors
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    15 mins