Louise Selvage

I’ve worked within the banking and finance industry for over 35 years. During that time I spent many years with Halifax, working as a mortgage adviser, as a customer relationship manager and, finally, as a financial consultant specializing in financial protection. In 2015, I became self-employed as a mortgage and protection adviser. My specialities include residential mortgages and personal protection and, as a ‘whole-of-market’ adviser, I’m able to access the most suitable products for my clients’ needs. I’m a proud, long-standing member of the Personal Finance Society (PFS), the Society of Mortgage Professionals (SMP) and the Chartered Insurance Institute (CII). Get help with understanding your options for releasing equity from your home. Understand the main options, the costs associated and the long term implications of each option. Equity release will reduce the value of your estate and could affect eligibility to means tested benefits. Your adviser should be able to assess and explain this to you. Warning: A Lifetime Mortgage is not suitable for everyone, and it is important to seek financial advice before taking any action. All other options available should be explored before choosing equity release.Interest is charged on both the original loan and the interest that has been added, the amount you owe will increase over time, reducing the equity left in your home potentially to nothing. Please discuss with your family and beneficiaries. Get help to understand the best level of life, critical illness and income cover for you. Get help with a wide range of investment options, including equities, funds, bonds, and ISAs. Warning: The value of investments and any income from them can fall as well as rise and you may not get back the original amount invested. Get help with everything from buying your first property, to remortgaging, or funding investment in property. Warning: YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. Most Buy to Let mortgages are not regulated by the Financial Conduct Authority. Get help on making a plan for a comfortable retirement; whether it’s starting a pension or understanding how much you should be contributing to one. Warning: The value of investments and any income from them can fall as well as rise and you may not get back the original amount invested.