Equity Release

The Mortgage Credit Directive (MCD) came into effect on the 21st March 2016. Subsequently all documents contained within this section meet those requirements. Within this section you will find documents to assist you with advising and arranging Lifetime Mortgage’s, Home Reversion Plan’s and Home Purchase Plan’s.

Equity Release customers are labelled as vulnerable customers and therefore are not able to opt-out of advice.  As such, this manual outlines the advice and sales process to be followed in the course of carrying out a Lifetime Mortgage, Home Reversion Plan or Home Purchase Plan.  It also provide guidance on how to handle advice that has been rejected by the customer.

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This bundle provides firms with a selection of documents and examples that are used when providing advice to equity release customers.  The example Initial Disclosure Document (IDD) now known as Disclosure Documents (DD) provides two different ways of disclosing a firm’s information to a customer.  Depending on your firm you may wish to choose the second example which puts key information into circles so that they stand out to the customer.  Whichever, you choose is up to you, but we like to offer something different to the norm.  The rest of our documents can be used to provide advice and then follow that up in a letter.

You can purchase now or join our member’s club and gain access to all our documents, manuals, policies and templates.

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