We’re proud to have Alex as part of My Later Life. With almost a decade specialising in equity release and a much wider career in financial services, Alex brings considerable knowledge and experience to our clients.
Read: Welcoming Alex Amber to the My Later Life TeamOlder Persons Shared Ownership OPSO and equity release can both form part of later-life planning, but they work in very different ways. This guide explains how OPSO works, the ongoing costs to consider, what happens when the property is sold or inherited, and how it compares with equity release for homeowners who may want to remain in their existing property.
Read: Older Persons Shared Ownership OPSO vs Equity Release: Which Option Could Be Right for You?My Later Life celebrates five years since the formation of MY GROUP INC LIMITED in 2021. Discover our story, from decades of industry experience to a growing team of 17, a fresh new look and award-winning achievements.
Read: Five Years of My Later LifeConsidering equity release in Oxford? Explore how lifetime mortgages work, what they could cost and which alternatives are worth considering. Meet Chris, Kathy, Dylan and Mark, our Oxford equity release specialists, and learn how your property and personal circumstances could shape your options.
Read: Equity Release Oxford A Guide for Homeowners and introducing our teamA home worth £2 million does not always mean a comfortable retirement income. Following a Money Mail report, we explore older homeowners’ concerns about the planned property tax, whether equity release could help, and the costs, risks and alternatives to consider.
Read: The £2 Million Property Tax: Could Equity Release Help You Stay in Your Home?Considering equity release or a later life mortgage in Bath? My Later Life’s local adviser, Alex Amber, offers home visits to help you understand your options in familiar surroundings. Written by Equity Release Director Graham Clelland, this guide explains eligibility, costs, risks and alternatives, including considerations for Bath’s period homes and leasehold flats. Discover our personal approach, read our five-star Google customer reviews and arrange a conversation about your circumstances.
Read: Equity Release and Later Life Mortgages in BathHow much does £50,000 equity release really cost? Graham Clelland, Director of My Later Life, explains fees, compound interest and how repayments could affect the amount you owe. Compare illustrative costs over 5, 10, 15 and 20 years, discover the difference £100 monthly payments could make, and explore the risks, inheritance implications and alternatives before making a decision.
Read: £50,000 Equity Release Costs Explained by Graham Clelland My Later LifeWhat is the difference between a repayment mortgage, interest-only mortgage, retirement interest-only (RIO) mortgage and lifetime mortgage? This guide explains how each option works, including monthly payments, affordability checks, interest and when the original loan must be repaid. It also addresses a common misconception about equity release: many lifetime mortgages allow you to pay some or all of the interest, helping to reduce or prevent interest roll-up while retaining greater payment flexibility.
Read: Which is righ for me , a Repayment vs Interest-Only vs Lifetime vs RIO Mortgages
