SHIP MEMBERS

 Authorised and regulated by the Financial Services Authority

Aviva is the biggest insurance provider in the UK. We are also one of the UK’s largest equity release providers offering award-winning equity release products, including a flexible range of lifetime mortgages and a home reversion plan.

Since 1998, we have helped more than 100,000 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 and 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 products sold by Aviva is offered by our team of specialist Financial Advisers who ensure each customer enters into a plan with all of their questions and needs addressed.

With over 53 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

Hodge introduced the very first equity release plans in 1965 and is the longest established equity release provider in the UK.

We are committed to treating customers in a fair and open way and our products are sold exclusively through intermediaries ensuring that consumers are provided with fully independent financial advice allowing them to make an informed choice.

At Hodge Lifetime, we recognise the individual needs of the customer and have tailored our equity release products accordingly. Available from age 55, our plans are simple to understand, flexible and transparent which fully supports the company ethos of clear and open business.

We pride ourselves on the friendly and personal service we have been offering to clients for over 40 years and as a founder member of SHIP (Safe Home Income Plans) we are committed to ensuring that our plan holders will never be at risk from any of the plans we offer.

Hodge Lifetime is a trading name of Julian Hodge Bank Limited and Hodge Life Assurance Company Limited which are authorised and regulated by the Financial Services Authority.

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 a specialist lender in the equity release market catering for clients aged 55 - 95.   We offer enhanced plans that consider the clients's health and lifestyle, alongside their age and property value. These factors may increase the amount of cash that clients can release from their home.

Taking out an equity release plan is one of the most important decisions a customer can make, and we believe that they should have the best possible choice. That's why More2Life plans are exclusively offered through FSA authorised firms who have suitably qualified advisers.

The safeguards and guarantees offered by the SHIP Code of Practice are core to a More2Life plan.

More2life are part of the Key Retirement Solutions group. You can see how much more money can be released with an enhanced plan through Key’s equity release calculator

Newlife was originally formed as one of very few lenders committed and dedicated exclusively to providing equity release products in the form of lifetime mortgages.  Since we were formed in 2003, we have gained a reputation for high quality service and award-winning products.

To build on this exceptional success and to help meet the needs of more customers in a wider range of circumstances, we have extended our portfolio with the introduction of a series of innovative and flexible financial products to cover a more comprehensive range of financial requirements, which includes a lifetime mortgage secured against a second home, home reversion plans and an interest roll-up mortgage secured against residential investment properties.  Please ask your financial adviser for details.

All of our lifetime mortgages and home reversion plans comply with the SHIP "Code of Practice".  In addition New Life Mortgages Limited is a member of the Council of Mortgage Lenders (CML) and New Life Mortgages Limited, New Life Mortgage Funding Limited and New Life Reversions Limited are authorised and regulated by the Financial Services Authority.

Newlife's Equity Release Products (Lifetime Mortgages and Home Reversion Plans) and other regulated products are only sold through duly authorised intermediaries, who are regulated by the Financial Services Authority.

Partnership was the first company in the UK to offer higher retirement incomes by taking account of people's health and lifestyle conditions.  Partnership has led the way in providing products specifically for individuals with such conditions, designed to ensure they receive the best possible value from their assets.

Our comprehensive offering for people in retirement includes enhanced annuities to provide income from pension funds and Immediate Needs Annuities to protect those needing to provide for Long-Term Care costs.

Partnership's longstanding expertise in the field of medical underwriting gives us a particular ability to offer more to those wishing to release a lump sum form their house to help them provide for a wide range of needs.  Our equity release product offers higher cash sums to those with medical or lifestyle conditions and has no valuation, application or completions fees.

We are committed to ensuring our customers receive the right solution for their needs and so Partnership equity release plans are only availalbe through qualified advisers.  We fully support the SHIP code of conduct and offer a No Negative Equity Guarantee, the right to remain in your property for life and the ability to move the plan to another suitable property without financial penalty.

Our expertise and service has been recognised by numerous awards, including:

• Long-term Provider award in Health Insurance Awards 2009 and 2010
• 5 Star rating in the prestigious Financial Adviser Service Awards 2010
• Best Enhanced Annuity Provider in the Moneyfacts Awards 2010
• Best Annuity Provider in the Professional Adviser Awards 2011

For more information in Partnership, please visit our website at www.partnership.co.uk

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

We are one of the few companies who specialise in equity release. It’s all we do.

Launched in 2006, we are known for creating innovative products which allow us to tailor our service standards around you and your needs. 

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

So what makes us different?

More choice We offer a wide 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 member to offer the choice of paying the interest on the loan, as well as offering you the opportunity to protect equity.

Award winning We are very proud that we won awards at  the 2007,2008 and 2009 Equity Release Awards, including the prestigious Best Provider of Lifetime Mortgages Award three years running.

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