THINGS TO CONSIDER

to afford to carry on Think longer term Will you be able throughout the making mortgage interest repayments a deal may seem rest of your life? If you are still working, when you have to live easily affordable but what happens off just your pension income? would either of you Remember your other half How to you or your cope financially if something happened

2016 get a state partner? People retiring after April

Insurance pension based on their own National of a partner’s contributions, they don’t get a share pension as used to happen in the past. take into account ■ Interest rates are low Ensure you if steadily and slowly, the fact that rates could rise, even come off a fixed rate over the coming years. You could deal and face higher interest repayments. option you may ■ All debt has to be repaid Whatever to be repaid by choose, remember that all debt has someone at some stage.