Interest rate adjustments and mortgage market shifts
The Bank of England’s recent suggestion of a potential “soft landing” for the UK economy has provided a bit of
I have worked in the financial services industry for over 30 years. While fully qualified in all forms of life, health, mortgage and pension business, I specialise in advising clients requiring later years’ advice, including later life lending/equity release and care fees planning.
I work closely with my Tees Wealth colleagues and legal teams in providing specialist care fees planning and equity release advice. This can involve liaising with Local Authorities and Government departments on behalf of our clients.
We believe financial and legal advice should take you to the stage where you can make clear and informed decisions, happy in the knowledge that you have received all the information and options needed to reach those decisions. We are able to offer our clients a path through later years, providing holistic advice on a wide range of legal and financial issues.
Our advice process provides advice not simply from a well-qualified adviser, but somebody who you feel you can rely upon to understand the plans you need to make for your retirement years and the complexities of the many decisions you may need to face.
We are extremely conscious that sorting out immediate or potential future care funding for you or a loved one can be a complex legal, financial, and emotional process. Tees, aim to make the process as easy and straightforward as possible. Advising has helped our clients through the care funding process and we have often found that, to begin with, our clients want a few simple answers to questions they have about specific elements of care planning.
Care needs constantly change and we work with clients and families to provide advice tailored to the person requiring care specific needs. With careful planning, it may be possible to structure an individual’s finances in such a way that care fees can be paid indefinitely without diminishing all their assets.
As part of planning for the future, or to help maintain or enhance your standard of living in retirement, you may wish to down-size, give your property away by way of a loan or release equity. We can advise and explain all options regarding the costs, risks involved and its effect on things such as inheritance tax, needing care and entitlement to means tested benefits.
Equity release is a term used to describe the various ways people can financially benefit from the value of their home and there are many reasons why our clients have chosen:
Borrowers are free to use the money however they wish. Tees can provide a combination of legal and financial services required to advise within this specialist area. Working together we provide a professional, efficient, and friendly service.
Thank you to you and the team for all your help. You really put my mind at ease with the paperwork and information—it all felt quite daunting. It was a pleasure to meet you, and thanks again.
I am an accredited member of SOLLA the Society of Later Life Advisers and a member of The Equity Release Council.
Over the years, I have contributed to local and national press, including the Cambridge Evening News, Financial Times, Sunday Times, Daily Telegraph, Guardian and Mail on Sunday.
Radio work includes a regular feature on BBC Radio Cambridge/ Essex and BBC Radio 5 Live.
“Later Life Adviser of the Year 2024” a prestigious Women’s Recognition Award hosted by The Financial Reporter.
Shortlisted for Financial Adviser of the Year – Midlands and East Anglia 2025.
Client testimonial:
“It was a difficult personal journey to make the right decisions on my own, and you were incredibly helpful in providing clarity and guidance throughout the process—especially in getting everything over the line.
I’ve now cleared all my debts except two, which I’m working on, and I’ve even opened a savings account!”
The Bank of England’s recent suggestion of a potential “soft landing” for the UK economy has provided a bit of
As we’ll explain in this article, equity release is just one of several options that are now available to over
Our SOLLA (Society of Later Life Advisers) accredited care fee planning team can help you create a robust plan for later life,
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