YOURS (UK)

PAN-FRIED SEA BREAM WITH CANNELLINI BEANS

Serves: 2 Prep: 5 mins Cook: 15 mins

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2 tbsp olive oil

150g (5oz) baby plum tomatoes, halved

1 x 400g can cannellini beans, drained and rinsed

1 lemon, zested and cut into wedges

1 garlic clove, crushed

1 tbsp capers

2 x 90g (3½ oz) fillets sea bream small handful flat leaf parsley leaves, chopped, plus extra to garnish

1. Preheat the oven to 110°C/230°F/Gas Mark ¼. Put 3 tbsp olive oil into a pan and set over a high heat. Add the tomatoes and fry for a minute or two, until beginning to caramelise. Add the cannellini beans, lemon zest, garlic and capers. Stir-fry for another minute, then season and transfer to an ovenproof dish. Keep warm in the oven.

2. Wipe out the pan, drizzle a little olive oil over the lemon wedges and fry, flesh-side down, for a minute or two, until slightly charred.

Set aside.

3. Place a large non-stick frying pan over a medium-high heat. Drizzle a little more oil over the sea bream fillets, just enough to coat both sides, and season. When the pan is hot, sear the sea bream, skin-side down, and fry for 3 minutes without moving, then turn over and fry for a further 2 minutes.

4. Stir the chopped parsley through the cannellini bean mixture and divide between 4 plates. Top with the sea bream, scatter over a little more parsley and serve immediatel­y with the charred lemon wedges.

Per serving: 352cals, 19.4g fat (2.6g sat fat), 4.2g sugar, 1.2g salt

© Waitrose

The past year has seen some ups and downs for the economy, but for retired homeowners around the country, the only way is up. In fact, according to Key’s Pensioner Property Equity Index*, over-65s now own property wealth worth £1.133 trillion – an increase of £14.78 billion over the past year enjoying an average gain of £7,216 per home between November 2018 and November 2019.

This rise in property wealth could give retired homeowners the option to tap into some of it which can be used to transform standards of living, help with potential financial difficulti­es or, make long-dreamed-of-plans a reality.

Could you benefit from a rise in property prices?

When it comes to later life financial planning, people are continuall­y looking toward their property to help fund the things they want and need. Selling and moving to a smaller property is one option, but for those who want to stay in their home, Key Equity Release is providing one answer.

IS EQUITY RELEASE RIGHT FOR YOU?

Key Equity Release plans offer lifetime mortgages only, which is a loan secured against your home. There are typically no monthly repayments to make, as the loan plus roll-up interest is repaid when the plan comes to an end. The amounts people release vary starting from £10,000, with Key customers able to access £90,000 on average in 2019.

“We were pleasantly surprised as our property had risen quite significan­tly in value since we bought it 35 years ago,” said Key customer, Felicity Johnston.

“Since taking out equity release we have now paid off our existing mortgage and can enjoy our retirement without that burden. We also plan to install another bathroom with the money.

“I would definitely recommend Key. There was no pressure and it worked out very well for us. It has taken a huge weight off our shoulders.”

Leading equity release experts Key always encourages discussing your decision with family. Equity release will reduce the value of your estate and may affect your entitlemen­t to means-tested benefits.

However, some of Key’s plans offer a guaranteed inheritanc­e feature, allowing you to protect a percentage of your home’s future value for your loved ones.

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