Your financial adviser is there to give you objective advice on whether equity release is the right thing for you to do. They will discuss your requirements and recommend a solution that is tailored to meet your needs.

For any equity release scheme they will give you a Key Facts Illustration. This is an important document which you should read very carefully. You should also ask your financial adviser any questions you may have.

Your financial adviser will help you complete an application form. Please refer to your Key Facts illustration to see how the Property Plan could affect you. This brochure is a guide to the main features of the Retirement Plus Property Plan. The contractual conditions are contained in the legally binding Property Plan Agreement and transfer documents. A specimen copy of the document will be made available on request via your adviser.

Once you've successfully applied, Retirement Plus will arrange to have your home valued by an independent valuer who is a member of the Royal Institute of Chartered Surveyors (RICS). You may choose the valuer from our approved panel. They will determine the market value at which we will purchase a right to a share of your property.

Assuming that there are no problems with the valuation, we'll then make you an offer. The offer will include:

• The amount that we're prepared to pay you
• The calculation of the initial share
• How our share in your property will increase
• The minimum Protected Share you will always own

Once you have your written offer, discuss the Property Plan with your solicitor. We'll instruct our solicitors to liaise with yours to arrange the legal documentation, which will include dealing with:

• The transfer of the legal title to your property to be held in trust between you and Retirement Plus
• Occupation terms and any other occupants
  

Once you complete a Property Plan Agreement, we send you the Amount Released via your solicitors and you use it to enjoy your retirement! If there are any questions you have about the Property Plan as time goes on, we are always available to help.