This is great, but in the 21 st century, the State Pension only provides fundamental financial cover. As soon as you start earning in the UK, you begin paying National Insurance stamps which build towards your State Pension. If you have had the opportunity, you will have started preparing for your retirement from an early age. At this time, it becomes more of a reality as it is visible on the horizon. Generally, it is around our early fifties that we really begin to take retirement more seriously. However, the longer we leave attending to our retirement needs the more likely we will be facing restricted opportunities in our later lives. We will have also started to think about all those dreams from a growing bucket list. Hopefully, during our working life we will have put in place those necessary financial cornerstones that allow us to live safely and comfortably. And, as our careers mature and we get closer to that precious day when we say goodbye to the boss, the excitement begins to build for turning our post-work days into something fantastic.
With recent medical advances, global communications, and essential guidance at our fingertips, it is also a time for living dreams. And rightly so – we cannot pretend we will not be dealing with some of these factors in later life. Strangely, even though it now has capacity to be a major positive phase in our lives with great opportunities, it still tends to remind many of us of endings, slowing down, and general uncertainty. Retirement is either something we do not want to think too much about, or it is a phase in our lives we have little interest in. For the majority of our lives and careers it is something that we tend to subconsciously shy away from. Reserving Actuary - Reinsurance - Ber.Retirement is a funny old thing.London / South East / Hybrid with a minimum of 1 day p/w office based - Negotiable London / hybrid with 1 day p/w office-based - Negotiable Actuarial Pricing Director – Protectionįully remote / hybrid with visit once a month/every 6 wks to London office - Negotiable.Assistant Manager or Manager - Life I.South East / hybrid with 1 day p/w office-based - Negotiableįlexible with 1 day per week office-based - Negotiable Part-qualified Actuarial Pensions Con.Qualified Actuarial Pensions Consultant.South East / hybrid with 2 days p/w office-based - Negotiable London / hybrid with 2 days p/w office-based - Negotiable Senior Actuarial Analyst - Pension Ri.There is growing demand for this type of lending and the referral service will be a valuable addition to our Private Banking service.” Extending our partnership to work with Santander’s wealth division gives us a chance to support even more customers, including those who are considering using their property wealth to enhance their retirement income or perhaps to support younger family members.”īen Covey, Head of Private Banking, Santander Private Banking: “We are delighted to extend our partnership with Legal and General Home Finance so that we can refer Private clients for later life lending advice. Paula Hughes, Head of Business Development, Legal & General Home Finance: “Our partnership with Santander has proven to be incredibly successful and has gone from strength-to-strength since it was established in 2016. Santander Private Banking will refer customers to Legal & General Financial Advice to receive advice on Legal & General’s later-life mortgage products. It also supports clients who want to release equity from their property. LGHF has partnered with Santander since 2016, providing later life lending solutions for their Interest Only (IO) clients, who want to repay the outstanding capital on their interest only mortgages without selling their homes. These solutions aim to meet the changing needs of those at retirement age, as well as providing additional support for brokers dealing with higher-level loans.
Last year, LGHF launched its equity release mortgage range for high value homes valued at more than £750k, as the housing market boom saw the number of properties in this range almost double over the last five years. Santander Private Banking was launched in the UK in 2016 and offers a range of banking, investment and mortgage services for Private clients. The partnership will offer Santander Private Banking clients additional gifting and estate planning opportunities. Investment - Articles - Legal and General expands Santander partnership Legal & General Home Finance (LGHF) is extending its long-term partnership into Santander UK’s Wealth division, expanding the range of later life mortgage options available to the bank’s Private clients.
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