Providing our customers with a wider range of services is the backbone of our support in the local area. That's why we have teamed up with retirement specialists Just Retirement Solutions, who offer professional, impartial advice and access to a variety of equity release products.

Why Just Retirement Solutions?
Just Retirement Solutions Limited is dedicated to providing advice that helps make retirement an enjoyable and fulfilling time by making the most of existing assets and maximising income. They have a team of experienced and qualified advisers who will support you through the process, specialising in providing individual solutions tailored to your needs.

What is equity release?
Equity release offers a convenient and straightforward way to unlock some of the value held within your home, without having to move house. Equity release works by converting part of the value of your property into a tax-free cash lump sum or you can instead opt to receive a regular monthly income.

Why would I need equity release?
Equity release is not for everyone, downsizing or using savings may be a better solution, but for some it can provide a perfect way to make the most of your retirement.

You've no doubt planned your finances to allow for a certain level of income throughout your retirement, but what if it doesn't stretch far enough, or over time, you simply want more?
With an equity release plan you can spend the money in any way you choose, whether you simply desire instant cash to help you maintain your lifestyle, or you are looking for an extra regular income: the funds released from your home are yours to use how you want.

Would I qualify for equity release?
If you can answer 'yes' to the following questions, then you may well qualify for equity release:

• Are you aged over 60?
• Are you a home owner?

We will put you in touch with a Just Retirement Solutions adviser who will assess your circumstances and requirements to find out whether equity release could be appropriate for you. The adviser will discuss your hopes and aspirations now, and for the future, in order to help you review your options. If appropriate they will recommend the most suitable scheme for your circumstances from a carefully selected range of plans. 

What are the risks?
Taking equity release may affect your entitlement to state benefits and will reduce the value of your estate. Your adviser will explain what your entitlements are and how equity release may affect them. All the products provided by Just Retirement Solutions provide a 'no negative equity guarantee'. This protects you by guaranteeing that the value of the outstanding loan will never amount to more than the value of the property.

What do I do next?
Equity release is a big decision and is not right for everyone, but if you feel it could be the answer, and you would like to know more, simply ask a member of staff in branch and they will be happy to help. Alternatively you can call Just Retirement Solutions on 01737 233411. Advice is with no obligation and an administration fee of £549 will only be charged if you take out a plan.

EQUITY RELEASE MAY INVOLVE A LIFETIME MORTGAGE OR A HOME REVERSION PLAN. TO UNDERSTAND THE RISKS, ASK FOR A PERSONALISED ILLUSTRATION.

Cambridge Building Society is an Introducer Appointed Representative of Just Retirement Solutions Limited. Just Retirement Solutions is authorised and regulated by the Financial Services Authority. Registration Number 455713. www.fsa.gov.uk/register