Our next Bone Screening Day is coming up on Wednesday, 17 June

REMS densitometry: SPINE

AGE

Understanding your bone health is one of the most important things you can do for your long-term strength, independence and vitality. An OsteoStrong bone density assessment gives you exactly that. A clear, accurate and clinically validated picture of where your bones are right now, and everything you need to move forward with confidence.

Using REMS( Radiofrequency Echographic Multi-Spectrometry) It is an ultrasound-based technology developed by that measures both bone mineral density and bone quality with clinical precision, in your hip and spine. This gives you a more complete, more accurate and entirely radiation-free, detailed report of your bone health with follow up guidance

Call: 01892 251360 Email: stronger @ osteostrongtw. co. uk Web: www. osteostrongtw. co. uk

T u n b r i d g e W e l l s

Contact Us to Book Your Bone Scan. Limited slots available

Relocating and Equity Release Even when moving to a similar property, the cost of moving and the potentially different price range of a different location can mean that borrowing is needed when it hadn’ t previously been necessary. Equity Release can be a solution to“ bridge the gap” between the cost of a new property and the sale proceeds from the existing one.

First Time Buyers and Equity Release: It is increasingly difficult for First Time Buyers to“ get onto the property ladder”. In many cases this can only be done with some help from family. Even when parents or grandparents are WILLING to help, wealth is often tied up in their properties. This is where Equity Release can play a part... parents / grandparents can release equity from their property and gift this to help increase the deposit for their children’ s / grandchildren’ s purchase.

Real Stories: Lynn and Stuart owned their property with no mortgage. They wanted to move nearer to their daughter and grandchildren. Similar properties in the area were approximately £ 20,000 more expensive and they didn’ t want to use all their savings.

We arranged Equity Release against the new property of £ 30,000.

At ages 75 and 78 they were more restricted with regards traditional mortgage options however they felt able to make a payment of £ 160pm to cover the interest on the new borrowing. This is affordable for them and will prevent the debt from growing.

Sam and Ben wanted to buy their first home.

They had a deposit saved but this amount, together with the mortgage they could raise still didn’ t enable them to buy the property they had in mind.

Sam’ s grandma released £ 15,000 in Equity Release which she is going to gift towards the deposit. Not only does this enable them to buy the property, but it means their mortgage will be just under( rather than just over) 80 % of the value of the property. This in turn means they are able to secure a lower interest rate.

While Equity Release is not suitable for everyone, it can certainly be a welcome solution in a number of situations.

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Call Sarah on 01622 631372 or 07789 007447 or e-mail her at sarah @ ferrellfinancial. co. uk You may find answers to some of your questions at www. ferrellfinancial. co. uk

Ferrell Financial Limited is an Appointed Representative of The Right Mortgage Ltd, which is authorised and regulated by the Financial Conduct Authority. This is a lifetime mortgage. To understand the features and risks, please ask for a personalised illustration. Check that this mortgage will meet your needs if you want to move or sell your home or you want your family to inherit it. If you are in any doubt, seek independent advice. There may be a fee for mortgage advice. The precise amount will depend upon your circumstances. Registration number: 678768. Companies House registration number: 11192749 registered in England & Wales. Registered address: The Bluff, Roundwell, Bearsted, Maidstone, Kent, ME14 4EU

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