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Safe Home Income Plans

Cecil Hinton continues his examination of Equity Release Schemes

1 January 1996

Cecil Hinton continues his examination of Equity Release Schemes

In the first article (Issue 1 of ECA) reviewed the scandalous equity release plans which were arranged in the late eighties and explained how and why these failed. I mentioned that media coverage often gave no indication that these schemes were no longer available and that, in fact, the investment bond schemes have been effectively banned since 1990; I also said many articles did not make it clear that safe plans have existed for well over twenty years - way before the scandals of the late eighties. I explained that the major providers of safe plans established the Safe Home Income Plan (SHIP) organisation in 1991 under which its members pledge to observe a strict Code of Practice. This article and the final one (Issue 3 of ECA) will consider the safe plans in detail and indicate the main points which have to be considered when selecting the most appropriate scheme for a particular...

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