SHIP MEMBERS

Authorised and Regulated by the Financial Services Authority

Aviva is the world’s fifth largest insurance group and the biggest insurance provider in the UK. Offering a home reversion plan and a flexible range of lifetime mortgages, we provide a range of opportunities for those nearing, or fulfilling their retirement expectations.

Since 1998, we have helped more than 85,000 customers release over £3 billion of equity from their homes.

Treating customers fairly, understanding their needs and maintaining their trust is key to the success of the business. Our research and market expertise enables us to provide an extensive range of quality products, designed to meet our customer’s needs now, and in the future.

We are committed to offering our customers first class service from initial contact, providing them with an equity release guide and DVD, right through to the release of their funds and beyond. Advice on Aviva products is offered by our team of expert Financial Advisers and ensures each customer enters into a plan with all of their questions and needs addressed.

With over 45 million customers worldwide, you can certainly feel confident with Aviva!

This is a lifetime mortgage or home reversion plan. To understand the features and risks, ask for a personalised illustration.

Bridgewater is the leading provider of home reversion plans with over 3,800 home reversion customers.   

Bridgewater offers homeowners over the age of 65 the opportunity to sell all or part of their property in exchange for a cash sum or series of annual escalating payments whilst remaining in their home rent free with complete security for the rest of their life.  Plans are available in England, Wales and Scotland.

Bridgewater has been voted Best Home Reversion Provider for the past 4 consecutive years (2006 - 2009). This is recognition of their market leading position, earned through competitive products, excellent customer service and their commitment to the Equity Release Market.

Bridgewater will only accept applications from intermediaries who are authorised and regulated by the Financial Services Authority.

Bridgewater is a subsidiary of Grainger plc, the UK’s largest listed specialist residential property owner and manager with approximately £2.1bn of assets and £2.8bn of assets under management

With over thirty years experience as a home reversion provider, Home & Capital prides itself on being a founder member of SHIP. Authorised and regulated by the Financial Services Authority, we offer lump sum and staged payment plans to homeowners aged 65 and over.

Home & Capital is a subsidiary of Sovereign Reversions plc, listed on the Alternative Investment Market of the London Stock Exchange. Both home reversion plans offer a retained percentage of the property, providing for potential IHT planning, or even ensuring a percentage is left to beneficiaries, as well as the option of releasing annual amounts over 5 to 12 years.

Home & Capital Advisers Ltd, our associate company, offers equity release advice on all SHIP approved plans, as well as our own, to homeowners looking to release capital from their home.

Just Retirement is a leading specialist provider of financial solutions for people at or in retirement and one of the largest equity release providers in the UK. The fair treatment of everybody who we come into contact with is central to Just Retirement’s ethos. In part, this is evidenced by the industry awards we regularly win for our products and service, which include the prestigious Financial Adviser 5 Star Service Award for 2008.

Our Roll-Up Lifetime Mortgage is designed to help people over the age of 60 improve their financial security and lifestyle in retirement by providing them with the opportunity to convert some of the capital built up in their home into tax free cash. Our equity release plans offer flexibility, choice and value for money. Customers can opt to take a lump sum and draw down money as and when needed to use for any purpose.

We fully support SHIP’s key principles and believe you should always take professional advice when considering equity release as an option. Our products are only available through authorised financial advisers.

At LV=, we focus on providing capital and income retirement planning products, offering a brighter future for those who are planning, or already in, retirement.

LV= offers two types of Equity Release Lifetime Mortgage, offering clients a choice of how to release money against the value of their home. Our Lump Sum product allows clients to release a one off lump sum, while our Flexible product allows clients to flexibly draw down sums of money now and in the future.

If you have equity tied up in your home and feel you need access to some of this capital to help you make ends meet in retirement, or to enhance your lifestyle, our equity release products could help you. For more information on LV=, visit our website at www.LV.com.

more 2 life is the specialist lending arm of the Key Retirement Solutions Group who have been an equity release specialist for over ten years and have helped over 400,000 people decide if equity release was right for them.

Due to their extensive knowledge of customer needs, more 2 life have designed and produced equity release plans with the customer in mind, plans that will enhance customer's lives, releasing cash safely and efficiently. To ensure these values are upheld, the safeguards and guarantees offered by the SHIP Code of Practice are core to a more 2 life plan.

Taking an equity release plan is one of the major decisions a customer can make and more 2 life believe that they should have the best possible choice. So, more 2 life plans are only offered through FSA authorised firms who have suitably qualified advisers.

New Life Mortgages was formed with the sole objective of helping people to take advantage of the growing opportunities in the UK Equity Release market. We specialise in providing equity release mortgage loans to the over 55’s.

All of our lifetime mortgages comply with the SHIP “Code of Practice”. In addition New Life Mortgages is a Member of the Council of Mortgage Lenders (CML) and is authorised and regulated by the Financial Services Authority.

New Life Mortgages products are sold exclusively through a select panel of intermediaries who are also appropriately authorised and regulated by the Financial Services Authority and who work closely with us in designing and retailing such loans.

We also provide mortgage products on properties, other than your main residence, that are not regulated by the Financial Services Authority. This includes UK holiday homes and residential investment properties. Please ask your financial adviser for details.

 Northern Rock is a mortgage and savings bank offering a wide range of mortgage products to customers in the UK. Its distribution network consists of over 70 branches as well as postal, telephone and interent operations.  In addition it operates extensively in partnership with an intermediary network of financial advisors.

On 1st January 2010 the company split into Northern Rock plc (www.northernrock.co.uk) and Northern Rock (Asset Management) plc. (www.northernrockassetmanagement.co.uk).

Both companies are currently under Government ownership and are authorised and regulated by the Financial Service Authority

Partnership is the longest established UK insurer specialising in the design and manufacture of financial products for people whose health and lifestyle means that their life expectancy is likely to be reduced. As the only company operating in this arena with its own proprietary underwriting manuals and mortality data our knowledge and expertise enables us to more accurately assess a customer's likely life expectancy - rather than the average - and can usually offer better benefits than a mainstream insurer.

Partnership is one of the UK's leading providers of 'enhanced' annuities and is the market leader in the provision of annuity based solutions for care fees funding. In addition, Partnership offers a unique range of protection products for seriously ill clients who have typically been unable to obtain cover from a standard provider.

 Partnership is not currently accepting new equity release business

Retirement Plus is a Milton Homes company which specialises in providing equity release products to homeowners aged 65 and over. Our plans have no upfront discounting and enable large sums to be raised, yet still offer flexibility for future life changes. And, because our share of the property increases over a long period, you continue to own your share of the property for longer – which means your estate can benefit. You can also elect to retain a “protected share” of the property, and are able to sell the property or cancel the plan at any time. This is a home reversion plan. To understand the features and risks, ask your financial adviser for a personalised illustration.

Living Plus, our sister company, provides ‘white label’ solutions to companies wishing to arrange traditional home reversion plans.

Please note that the availability of our plans is currently suspended

Saffron Building Society is your regional building society with more than 160 years of understanding our customers needs. We pride ourselves on being a mutual organisation, which means we’re owned by our members and exist solely for their benefit.

 Saffron’s Lifetime Mortgage product range comprises lump sum, higher loan to value lump sum and drawdown products designed to allow a product choice for a wide range of consumer needs. In designing the product, Saffron Building Society challenged how customer expectations may change across the life of a loan in a variety of scenarios. As a result, the Saffron Equity Release Mortgage provides enhanced consumer confidence in key areas, such as product portability.

For the benefit and protection of customers, Saffron’s Lifetime Mortgages are only available via FSA Authorised Intermediaries.

We are one of the few companies who specialise in equity release. It’s all we do. That’s why we’ve been able to develop the widest range of Lifetime Mortgages and to tailor our service standards around you and our products.

Launched in 2006, we have already become one of the leading companies offering equity release.

Our products are available through financial advisers who are qualified to advise on Lifetime Mortgages. This means that an Independent Financial Adviser will be able to recommend one of our products to you if it meets your needs.

So what makes us different?

Secure backing Our funding is provided by one of the world's leading banks which means you can have peace of mind in times of uncertainty.

More choice We offer the widest range of Lifetime Mortgages and have created our products to be flexible, so that they can be tailored to meet your individual circumstances. For example, we are the only SHIP members to offer the choice of paying the interest on the loan.

More guarantees We believe it's important that we offer you certainty. That's why we offer more guarantees than any other provider of Lifetime Mortgages.

Award winning We are very proud that we won three awards at both the 2007 and 2008 Equity Release Awards, including the prestigious Best Provider of Lifetime Mortgages Award two years running.

Stonehaven fully support SHIP’s key principles and is committed to following its code of practice.