Six simple steps to your own Property Plan.

Step 1 Consult a Financial Adviser

Your financial adviser is there to give you objective advice on whether equity release is the right thing for you to do. They will discuss your requirements and recommend a solution that is tailored to meet your needs.

For any equity release scheme they will give you a Key Facts Illustration. This is an important document which you should read very carefully. You should also ask your financial adviser any questions you may have.

Step 2 Apply for a Property Plan

Your financial adviser will help you complete an application form. Please refer to your Key Facts illustration to see how the Property Plan could affect you. This brochure is a guide to the main features of the Retirement Plus Property Plan. The contractual conditions are contained in the legally binding Property Plan Agreement and transfer documents. A specimen copy of the document will be made available on request via your adviser.

Step 3 Valuing your Property

Once you've successfully applied, Retirement Plus will arrange to have your home valued by an independent valuer who is a member of the Royal Institute of Chartered Surveyors (RICS). You may choose the valuer. They will determine the market value at which we will purchase a right to a share of your property.

Step 4 We will make you an Offer

Assuming that there are no problems with the valuation, we'll then make you an offer. The offer will include:

Step 5 Obtain Independent Legal Advice

Once you have got your written offer, discuss the Property Plan with your solicitor. We'll instruct our solicitors to liaise with yours to arrange the legal documentation, which will include dealing with:

Step 6 Enter into a Property Plan

Once you complete a Property Plan Agreement, we send you the Amount Released via your solicitors and you use it to enjoy your retirement! If there are any questions you have about the Property Plan as time goes on, we are always available to help.