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Meet Vicki · Your Equity Release Assistant
Meet Vicki – Your Equity Release Assistant
Virtual Intelligent Customer Knowledge Interface
Got a question about equity release but don't want to wait for a phone call? Vicki is here to help.
Vicki is the virtual assistant here at My Later Life. We've programmed all of our knowledge into her, from how lifetime mortgages work to the lenders we compare, what affects your rate and what to expect from the application process.
That means you can get clear, friendly answers to your equity release questions whenever it suits you, at your own pace and without any pressure.
Who is Vicki?
Equity release is a big decision, and it's natural to have plenty of questions before you speak to anyone.
Some people want to understand the basics first. Others have a specific question that's been on their mind. And many simply prefer to do a little reading before picking up the phone.
That's exactly why we created Vicki.
She brings together everything our team knows about equity release and explains it in plain English, so you can build your understanding before taking the next step.
All of our knowledge, programmed into one assistant
Vicki isn't a generic chatbot. She has been programmed with all of the knowledge we've built up as a whole-of-market equity release broker.
That includes how we approach equity release, the lenders we compare, the factors that affect lifetime mortgage rates and the questions our customers ask us most often.
So when you ask Vicki something, you're getting answers based on the same knowledge our team uses every day.
What can Vicki help you with?
You can ask Vicki about almost anything to do with equity release, including:
| Topic | What you could ask |
|---|---|
| How it works | “What is a lifetime mortgage and how does it work?” |
| Eligibility | “Am I old enough for equity release?” |
| Rates | “What affects the interest rate I might be offered?” |
| Lenders | “Which lenders do you compare?” |
| Plan features | “What's the difference between a lump sum and drawdown?” |
| Repayments | “Can I make voluntary repayments?” |
| Your family | “Can I protect some of my home's value as an inheritance?” |
| Moving home | “What happens if I want to move in the future?” |
| Costs | “What fees are involved?” |
No question is too small. If it's something you're wondering about, Vicki is happy to help.
Why chat with Vicki?
She's there when it suits you
Whether it's early in the morning or late in the evening, you can ask Vicki your questions whenever is convenient for you.
No pressure
Chatting with Vicki doesn't commit you to anything. You can explore equity release at your own pace and come back as often as you like.
Plain English answers
Equity release can come with a lot of jargon. Vicki explains things clearly and simply, so you can understand your options.
Backed by our whole-of-market expertise
Because Vicki has all of our knowledge programmed into her, her answers reflect the experience of a broker that compares lenders from across the market, not just one provider.
Vicki and our advisers work together
Vicki is a great place to start, but she isn't a replacement for proper advice.
When you're ready to look at your own circumstances, one of our qualified equity release advisers will take things from there. They'll review your situation, compare suitable plans from across the market, talk you through any alternatives and explain all the costs before you make a decision.
Vicki can help you arrange that conversation whenever you feel ready.
How to start chatting with Vicki
Getting started couldn't be simpler. Just click the button below, type your question and Vicki will reply.
There's no need to share personal details just to ask a question.
Vicki: common questions
Is Vicki a real person?
No, Vicki is My Later Life's virtual assistant. She has all of our equity release knowledge programmed into her, so she can answer your questions at any time. If you'd like to speak to a person, she can help you arrange a callback with one of our advisers.
Does it cost anything to chat with Vicki?
No. Chatting with Vicki is free and doesn't commit you to anything.
Can Vicki give me a personal recommendation?
No. Vicki provides general information to help you understand equity release. A personal recommendation can only come from one of our qualified advisers after they've reviewed your circumstances.
Can Vicki tell me what rate I'll get?
Vicki can explain what affects equity release rates, such as your age, property value and how much you'd like to release. Your actual rate depends on your individual circumstances, and an adviser can compare the plans available to you.
