COVER Cheat a great night’s sleep and best beauty buys
We can all start to feel a little jaded at this time of year. Our Beauty Editor Michelle Nightingale has some clever beauty buys to keep our Christmas faces looking fresh…
Rise and shine
Plump up tired skin with skincare treats that promise to brighten and hydrate in an instant…
Super Facialist Vitamin C Skin Renew Cleansing Oil, £10.99/200ml
This clever cleansing oil contains a whole host of skinperfecting ingredients that work to restore radiance. Use in the morning to refresh the skin and in the evening to
remove make-up and grime.
Sanctuary Spa Protect & Illuminating Moisture Lotion SPF15, £14.50/75ml Use this lightweight day cream to leave your skin silky smooth. Best of all it has a clever blurring formula that instantly gives the skin a soft-focus look.
The Body Shop Vitamin C Energising Face Mist, £12/100ml Perfect for dull-looking skin, this handy mist contains glow-boosting Vitamin C to instantly refresh you. Spritz your face any time your skin is looking more drained than dewy!
Why so many people are choosing to release money from their homes and live the life they want
There’s good reason that many in or nearing retirement start contemplating what they want out of life. With more time available to do the things you really want to do, it’s a fantastic opportunity to fulfil dreams.
During the first half of 2019, homeowners aged over 55 had access to an average amount of £90,000 from their properties with an equity release plan.* It’s a life-changing sum that’s transformed retirements – paying off existing mortgages, future-proofing homes and funding adventures.
The most common type of equity release is a lifetime mortgage. This is similar to a regular mortgage, in that it’s a loan secured against your home. Unlike a traditional mortgage, though, you don’t make monthly repayments. Typically, the loan, plus roll-up interest is repaid when the plan ends.
The first question that needs to be answered, though, is if equity release is right for you. However, that’s not something you need to decide alone. Key Equity Release offer personalised advice explaining how equity release will reduce the value of your estate and may affect your entitlement to means-tested benefits. If equity release isn’t right for you, they’ll tell you. Their advice is completely free of charge and they’ll always discuss your options with you, including downsizing or using other forms of lending.
Key Equity Release’s modern plans don’t stop enabling you to unlock some of the tax-free cash from your home – they also offer a range of additional features to fit what’s important to you, whether protecting your family by guaranteeing an inheritance, or setting aside funds to drawdown later if needed. All plans are Equity Release Council approved, coming with a nonegative equity guarantee, meaning you’ll never owe more than your home is worth.
Key have been helping customers for more than 20 years with jargon-free, no-pressure advice. Enjoying the cash that you unlock is even better when you know you’ve got the right plan for you.
So, what adventures do you want in 2020? The next chapter of your life could be the best one. Find out if equity release is right for you by requesting the FREE guide to unlocking the cash from your home from Key Equity Release.