Later life financial planning, made simple.
Independent, regulated advice for homeowners aged 55 and over across the North of England. We help you make confident decisions about retirement income, property wealth and passing on what matters — in plain English, without the jargon.
What later life financial planning covers
Every plan is different, but most later life reviews touch on the same building blocks. We'll help you weigh each one against your own goals and family circumstances.
Retirement income
Making the most of pensions, ISAs and other savings so your income lasts — and keeps up with the cost of living.
Equity release & lifetime mortgages
Unlocking tax-free cash from your home without having to move, with modern plans that let you make voluntary payments.
Downsizing vs staying put
An objective look at whether moving to a smaller property or borrowing against your current one leaves you better off.
Supporting family
Helping children or grandchildren with a deposit, tuition or a wedding — while keeping your own retirement secure.
Estate & inheritance planning
Understanding how your choices today affect what you can pass on, and how to reduce avoidable inheritance tax.
Care & later-life costs
Planning for the cost of care at home or in a residential setting, so a future decision doesn't become a crisis.
Why homeowners over 55 choose us
- •Independent & regulated. Authorised by the FCA and members of the Equity Release Council — you're protected at every step.
- •Whole-of-market. We compare plans from every major later-life lender, not just a shortlist.
- •Plain English. No jargon, no pressure — just a friendly conversation about what you actually want.
- •Local to the North of England. Home visits available across the North West, North East and Yorkshire.
How the process works
- 1
Free initial chat
A no-obligation call to understand your situation, goals and any concerns.
- 2
Personal recommendation
We compare the market and present a clear, written recommendation tailored to you and, if you wish, your family.
- 3
Application & completion
We handle the paperwork with your solicitor and lender and keep you updated at every stage.
- 4
Ongoing reviews
Your circumstances change — so should your plan. We stay in touch with regular reviews.
Ready to plan the next chapter?
Book a free, no-obligation later life financial planning consultation with 55Plus. We'll listen first, explain your options clearly, and only recommend what genuinely suits you.