Equity Release Council

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23rd AGM Ballot Paper

24 March 2017

Member Only - 93kb DOCX

23rd AGM Ballot Paper

23rd AGM Agenda - final

23 March 2017

Member Only - 616kb PDF

23rd AGM Agenda - final

ERC Final 2016 Accounts - Companies House

23 March 2017

Member Only - 118kb PDF

ERC Final 2016 Accounts - Companies House

HBB - letter of representation to AGM

23 March 2017

Member Only - 813kb PDF

HBB - letter of representation to AGM

AGM Nomination Form – Director of the Equity Release Council

2 February 2017

AGM Papers - 57kb DOCX

AGM Nomination Form. Return to Sarah Hall at admin@equityreleasecouncil.com or the Equity Release Council, 3rd Floor, Bush House, North West Wing, Aldwych, London WC2B 4PJ by COB Wednesday, 10th March 2017.

ERC GCM Minutes and action points 081216

23 January 2017

Minutes from meetings - 265kb PDF

Minutes and action points from ERC GCM 08/12/16

Equity Release Council GCM 081216 Slides

14 December 2016

Presentations - 8578kb PPTX

Main Slides from ERC GCM 08/12/16

Pure Retirement ERC GCM 081216 Slides

14 December 2016

Presentations - 3793kb PPTX

Pure Retirement Slides for ERC GCM 08/12/16

Response to FCA Consultation on Appropriate Qualification Exam Standards

13 December 2016

Whitehouse - 28kb DOCX

Equity Release Council - Response to FCA consultation on appropriate qualification exam standards, December 2016

Minutes from AGM 28th April 2016

30 November 2016

Minutes from meetings - 581kb PDF

Minutes from 22nd AGM held on 28th April 2016

ER Council response to HM Treasury’s consultation: Introducing a Pensions Advice Allowance - Oct 2016

25 October 2016

Whitehouse - 271kb PDF

ER Council response to HMT consultation: Introducing a Pensions Advice Allowance

FCA consultation: Introducing a standalone equity release qualification - briefing

3 October 2016

Whitehouse - 225kb PDF

FCA consultation: Introducing a standalone equity release qualification

Property Home Mediapack 2016

29 September 2016

Brochures - 1572kb PDF

PH Mediapack 2016

Equity Release Market Report Autumn 2016

27 September 2016

Press Release - 2133kb PDF

Market Report Autumn 2016

FCA's consultation on proposed changes to its responsible lending rules - briefing

5 September 2016

Whitehouse - 224kb PDF

FCA's consultation on proposed changes to its responsible lending rules - briefing

HM Treasury: Pensions Advice allowance consultation - briefing

2 September 2016

Whitehouse - 223kb PDF

HMT: Pensions Advice allowance consultation - briefing

Equity Release Council response to the Financial Conduct Authority’s Retirement Outcomes Review

1 September 2016

Whitehouse - 177kb PDF

Equity Release Council response to the Financial Conduct Authority’s Retirement Outcomes Review

2016 June - ER Council response to the HM Treasury Public Financial Guidance review

15 June 2016

Whitehouse - 120kb PDF

ER Council submission to the HMT Public Financial Guidance review - June 2016

Equity Release Council Summer Reception 2016

27 May 2016

Member Only - 121kb PDF

Equity Release Council Summer Reception 2016 at The Terrace Marquee, HoC, London on Wednesday 6 July 2016, 7pm - 9pm

ER Council - Financial Advice Market Review 2016 - briefing

19 May 2016

Whitehouse - 316kb PDF

ER Council - Financial Advice Market Review briefing for members - 2016

Section 1 - Introduction to the Equity release market

17 May 2016

TERC Reports and Publications - 2935kb PDF

section 1

Section 2 - Market background and marketing approach

17 May 2016

TERC Reports and Publications - 2069kb PDF

section 2

Section 3 - Initial Advice Process

17 May 2016

TERC Reports and Publications - 2618kb PDF

Section 3

Section 4 - Completing the Advice Process

17 May 2016

TERC Reports and Publications - 1791kb PDF

Section 4

Part 11 Marketing Templates

16 May 2016

Member Only - 625kb PDF

Marketing Templates by Aviva

ER Council - 22nd AGM - 28th April 2016 - Minutes final

13 May 2016

Minutes from meetings - 581kb PDF

ER Council - 22nd AGM - 28th April 2016 - Minutes final

Suitability Report - Age Partnership (example of sections)

12 May 2016

Consumer - 259kb PDF

Please note that this is an example of sections of a suitability report, and not a report in its entirety

Part 11 Marketing Support

11 May 2016

Member Only - 848kb PDF

Marketing Support resources by Pure Retirement

Part 12 Customer Referrals

11 May 2016

Member Only - 835kb PDF

Customer Referral resources by Pure Retirement

Part 1 Initial Fact Find

11 May 2016

Member Only - 276kb PDF

Initial Fact Find - example document by Age Partnership

Part 1 - Referrals toolkit

11 May 2016

Member Only - 886kb PDF

Toolkit providing resources on referrals

Part 2 Key Facts Illustration

11 May 2016

Member Only - 715kb PDF

Key Facts Illustration doc - example doc by Pure Retirement

Part 3 Suitability Report

11 May 2016

Member Only - 259kb PDF

Suitability Report by Age Partnership - example of sections of a suitability report, and not a report in its entirety

Part 5 General Objection Handling

11 May 2016

Member Only - 821kb PDF

General Objection Handling - example doc by Pure Retirement

Part 6 Customer Journey

11 May 2016

Member Only - 100kb PDF

Customer Journey by Pure Retirement - example doc by Pure Retirement including following processes:
• Application to Offer
• Offer to Completion

Part 8 Porting Process

11 May 2016

Member Only - 793kb PDF

Porting Process - example document by Pure Retirement

Part 9 - 3rd Party Client Declaration Form

11 May 2016

Member Only - 33kb PDF

3rd Party Client Declaration Form - example doc by Viva Retirement Solutions

ER Council - AGM 28 April 2016 - NWaterson & CPond

5 May 2016

Presentations - 1616kb PDF

ER Council - AGM 28 April 2016 - The Council's & Standards Board updates

ER Council - AGM - 28th Apr 2016 - KWhittle, Head of Qualification CII

5 May 2016

Presentations - 155kb PDF

Kevin Whittle, CII’s Head of Qualification: Recent developments in the qualifications framework

ER Council - AGM - 28th Apr 2016 - LWoodall, Director of Life Insurance & Financial Advice FCA

5 May 2016

Press Release - 293kb PDF

ER Council - AGM - 28th Apr 2016 - Linda Woodall, FCA Director of Life Insurance and Financial Advice: Update on the forthcoming Ageing Population work-stream

ER Council - AGM - 28th Apr 2016 - PCarter, CEO Pure Retirement

5 May 2016

Presentations - 589kb PDF

ER Council - AGM - 28th Apr 2016 - Paul Carter, CEO Pure Retirement and The Council’s MGWG work-stream lead on adviser engagement: New launch for advisers – The Guide to Equity Release and resource templates

ER Council - AGM - 28th Apr 2016 - SWilson, MD Later Life Advice

5 May 2016

Presentations - 507kb PDF

ER Council - AGM - 28th Apr 2016 - Stuart Wilson, MD Later Life Academy. New launch for ERC member advisers – a joint initiative aimed at providing access to an enhanced programme of accredited training to support new and developing advisers with a structured learning pathway

Suitability Report - Age Partnership (sample)

31 March 2016

Consumer - 259kb PDF

Suitability Report - Age Partnership (sample)

ER Council - AGM 28th April 2016 - Ballot form 2016

23 March 2016

AGM Papers - 243kb PDF

ER Council - AGM 28th April 2016 - Ballot form 2016

ER Council - AGM - 28th of April 2016 - Agenda

23 March 2016

AGM Papers - 207kb PDF

ER Council - AGM - 28th of April 2016 - Agenda

ER Council - Annual Report & Financial Statements - 2015

23 March 2016

AGM Papers - 107kb PDF

ER Council - Annual Report & Financial Statements for the year ended 31st Dec 2015

Equity Release Market Report Spring 2016

18 March 2016

Reports - 945kb PDF

Equity Release Council's Report - Spring 16

Customer Information Brochure

9 February 2016

Brochures - 958kb PDF

Customer Information Brochure

ER Council - AGM 2016 - Nominations form

4 February 2016

AGM Papers - 170kb PDF

ER Council - AGM 2016 - Nominations form

ER Council - Nominations Form - Standards Board 2016

28 January 2016

Member Only - 169kb PDF

Nominations form for member representatives - Standards Board 2016

ER Council - Information request form for website entry (interactive)

12 January 2016

new member - 382kb PDF

ER Council - Information request form for website entry

ER Council - GCM Dec 3rd 2015 - Council's update

7 December 2015

Member Only - 1588kb PDF

ER Council - GCM Dec 3rd 2015 - Council's update - Nigel Waterson, Chairman

ER Council - GCM Dec 3rd 2015 - Regulatory focus

7 December 2015

Member Only - 488kb PDF

ER Council - GCM Dec 3rd 2015 - Regulatory focus - Kate Davies, Standards Officer

ER Council - GCM Dec 3rd 2015 - Standards Board update

7 December 2015

Member Only - 490kb PDF

ER Council - GCM Dec 3rd 2015 - Standards Board update - Chris Pond, Standards Board, Chairman

ER Council - GCM - 3rd December 2015 - Agenda

20 November 2015

Papers for Meetings - 168kb PDF

ER Council - GCM - 3rd December 2015 - Agenda

ER Council - GCM Minutes - 24th Sep 2015

11 November 2015

Press Release - 1897kb PDF

ER Council - GCM Minutes (final) - 24th Sep 2015

ER Council response to FCA's Retirement Outcomes Review - 26th Oct 2015

2 November 2015

Whitehouse - 142kb PDF

ER Council response to FCA's Retirement Outcomes Review - 2015-10-20

White Paper, Unlocking the potential: The future of equity release, October 2015

21 October 2015

Reports - 515kb PDF

White Paper, October 2015

ER Council - GCM 24 Sep 15 - Nigel Waterson - Final

2 October 2015

Member Only - 1544kb PDF

ER Council - GCM 24 Sep 15 - Nigel Waterson - Final

ER Council - GCM 24th Sep 15 - Chris Pond - Final

2 October 2015

Member Only - 627kb PDF

ER Council - GCM 24th Sep 15 - Chris Pond (Standards Board update)- Final

ER Council - GCM 24th Sep 15 - Legal Journey - Shawn Carr - Final

2 October 2015

Member Only - 409kb PDF

ER Council - GCM 24th Sep 15 - Legal Journey - Shawn Carr - Final

ER Council - GCM 24th Sep 15 - Lenders conveyancing requirements - Gemma Pendlebury - Final

2 October 2015

Member Only - 774kb PDF

ER Council - GCM 24th Sep 15 - Lenders__conveyancing_requirements - Gemma Pendlebury - Final

ER Council - GCM 24th Sep 15 - LV= Retirement Market Overview - Final

2 October 2015

Member Only - 768kb PDF

ER Council - GCM 24th Sep 15 - LV= Retirement Market Overview - Final

ER Council - GCM 24th Sep 15 - Mental Capacity - Peter Barton - Final

2 October 2015

Member Only - 373kb PDF

ER Council - GCM 24th Sep 15 - Mental Capacity - Peter Barton - Final

ER Council - Market Report Autumn 2015

30 September 2015

Reports - 874kb PDF

ER Market Report Autumn 2015

ER Council - Older people tax benefits - advanced traning course outline

25 September 2015

Member Only - 154kb PDF

ER Council - Older people tax benefits - advanced traning course outline

Equity Release Club Autumn 15 Roadshows

4 September 2015

Brochures - 223kb PDF

Equity Release Club Autumn 15 Roadshows

ER Council - GCM 24th Sep 2015 - Agenda - Final

1 September 2015

Member Only - 202kb PDF

ER Council - GCM 24th Sep 2015 - Agenda - Final

ER Council - Proxy Form - GCM 24th September 2015

1 September 2015

Member Only - 202kb PDF

ER Council - Proxy Form - GCM 24th September 2015

Nomination Form for Working Groups

1 September 2015

Member Only - 152kb PDF

should you wish to join our working groups please complete the nomination form

Logo Guidelines - June 2014

22 July 2015

Member Only - 302kb PDF

Equity Release Council - Logo Guidelines - June 2014

Rules and Guidance v5 - Approved July 2015

22 July 2015

Compliance - 146kb PDF

Rules and Guidance v5 - Approved 14th July 2015

ER Council - Minutes of 21st AGM - 23rd April 2015

30 April 2015

Minutes from meetings - 366kb PDF

ER Council - Minutes of 21st AGM - 23rd April 2015

ER Council - AGM presentation - 23rd April 2015

27 April 2015

Presentations - 1568kb PDF

ER Council - AGM presentation - 23rd April 2015

ER Council - Workshop on Mental Capacity Assessment - AGM - 23rd April 2015

27 April 2015

Presentations - 344kb PDF

ER Council - Workshop on Mental Capacity Assessment - AGM - 23rd April 2015

Application Form

17 April 2015

new member - 231kb PDF

Application form for new members

Pension Credits & AIP briefing - April 2015

14 April 2015

Member Only - 318kb PDF

Pension Credits & AIP briefing - April 2015

Information request form for website entry

31 March 2015

Member Only - 236kb PDF

Information request form for website entry

Info for prospective adviser members - professional qualifications

23 March 2015

new member - 345kb PDF

Info for prospective adviser members - professional qualifications

Market Report Spring 2015

17 March 2015

Reports - 583kb PDF

Market Report Spring 2015

ER Council - Guidance Guarantee (Jan/Feb 2015) - briefing

8 March 2015

Whitehouse - 422kb PDF

ER Council - Briefing on Guidance Guarantee (Jan/Feb 2015)

ER Council - 21st AGM - 23rd Apr 2015 - Nomination of Directors Form

2 February 2015

AGM Papers - 168kb PDF

ER Council - 21st AGM - 23rd Apr 2015 - Nomination of Directors Form

ER Council - Minutes of 20th AGM - 24th Apr 2014

29 January 2015

AGM Papers - 337kb PDF

ER Council - Minutes of AGM - 24 Apr 2014

FOS News: Latest issue No123 - January/February 2015

28 January 2015

Member Only - 765kb PDF

Latest issue (123) of FOS News

Nominations Form - Standards Board

26 January 2015

Member Only - 111kb PDF

Nominations Form - Standards Board

Annual Certificate of Compliance for all members - Approved Nov 2014

25 January 2015

Terms of Reference - 201kb PDF

Annual Certificate of Compliance for all members - Approved Nov 2014

Checklist for Advisers - Approved Nov 2014

25 January 2015

Terms of Reference - 232kb PDF

Checklist for Advisers - Approved Nov 2014

Rules and Guidance v4 - Approved Nov 2014

25 January 2015

Terms of Reference - 382kb PDF

Rules and Guidance v4 - Approved Nov 2014

ER Council - MCD Jan 2015 - briefing

20 January 2015

Whitehouse - 368kb PDF

MCD - Briefing for members - Jan 2015

2014 12 23 ESIS example

5 January 2015

Member Only - 400kb PDF

2014 12 23 ESIS example

2014 12 23 KFI example

5 January 2015

Member Only - 187kb PDF

2014 12 23 KFI example

2014 12 23 Summary ESIS KFI comparison

5 January 2015

Member Only - 228kb PDF

Summary ESIS KFI comparison

ER Council's response to FCA's consultation on the MCD 2014 12

5 January 2015

Whitehouse - 385kb PDF

2014 12 23 FCA consultation on the MCD - Council's response

ER Council - Minutes of GCM - 03 Dec 2014

24 December 2014

Minutes from meetings - 305kb PDF

ER Council - Minutes of GCM - 03 Dec 2014

ER Council Pension Schemes Bill Report stage - Dec 2014 - briefing

18 December 2014

Whitehouse - 323kb PDF

Dec 2014 - Pension Schemes Bill Report stage briefing

ER Council - GCM - 2014-12-03 Mtg - Marketing Workshop Presentation by Kevin Lavery

4 December 2014

Presentations - 1757kb PDF

ER Council - GCM - 2014-12-03 Mtg - Marketing Workshop Presentation by Kevin Lavery (Mature Marketing Association)

ER Council - GCM - 2014-12-03 Mtg - Presentation - final

4 December 2014

Presentations - 2187kb PDF

ER Council - GCM - 2014-12-03 Mtg - Nigel Waterson & Chris Pond Presentations - final

FCA - Presentation on EUMCD - GCM 3rd December 2014

4 December 2014

Presentations - 229kb PDF

FCA - Presentation on EUMCD - GCM 3rd December 2014

GCM on 3rd Dec - Marketing Workshop - Top 10 tips by Kevin Lavery (Mature Marketing Association)

4 December 2014

Member Only - 956kb PDF

GCM on 3rd Dec - Marketing Workshop - Top 10 tips by Kevin Lavery (Mature Marketing Association)

ER Council's response to HMT on Mortgage Credit Directive - 20th of October 2014

21 November 2014

Whitehouse - 229kb PDF

HMT Mortgage Credit Directive response (October 20th, 2014)

ER Council - GCM - 2014-10-06 Mtg - State Benefits Presentation of 6th Oct 2014 Gen Counc Mtg

15 October 2014

Presentations - 1694kb PDF

ER Council - GCM - 2014-10-06 Mtg - State Benefits Presentation of 6th Oct 2014 Gen Counc Mtg

ER Council - Minutes of 2014-10-06 GCM

15 October 2014

Minutes from meetings - 212kb PDF

ER Council - Minutes of 2014-10-06 GCM

Competition compliance guidance v2-17th September 2014

9 October 2014

Compliance - 227kb PDF

Competition compliance guidance v2-17th September 2014

ER Council - GCM - 2014-10-06 Mtg - Presentation Gen Counc Mtg - final

9 October 2014

Presentations - 1592kb PDF

ER Council - GCM - 2014-10-06 Mtg - Presentation of 6th Oct 2014 Gen Counc Mtg - final

Single Compliance Certificate V1 - 10th September 2014

9 October 2014

Compliance - 201kb PDF

Single Compliance Certificate V1 - 10th September 2014

Equity Release Market Report Autumn 2014

28 September 2014

Reports - 1001kb PDF

Equity Release Market Report Autumn 2014

ER Council's response to FCA consultation on retirement and the guidance guarantee

22 September 2014

Whitehouse - 130kb PDF

Equity Release Council's response to FCA consultation on retirement and the guidance guarantee

Complaints Procedure

16 July 2014

Compliance - 217kb PDF

Procedures for dealing with complaints

ERC response to the FCA Call for Inputs on competition in the (lifetime) mortgage market – Dec 2015 - Final

21 December 2015

Whitehouse - 283kb PDF

ERC response to the FCA Call for Inputs on competition in the (lifetime) mortgage market – Dec 2015 - Final

ER Council - Resolution - 24th Sep 2015

1 September 2015

Member Only - 228kb PDF

ER Council - Resolution - 24th Sep 2015

Ballot form

20 March 2015

AGM Papers - 184kb PDF

Ballot form

ER Council - 20th AGM - Minutes - 24th Apr 2014

20 March 2015

AGM Papers - 337kb PDF

ER Council - 20th AGM - Minutes - 24th Apr 2014

ER Council - 21st AGM Agenda

20 March 2015

AGM Papers - 293kb PDF

ER Council - 21st AGM Agenda

Financial Accounts 2014

20 March 2015

AGM Papers - 104kb PDF

Financial Accounts 2014

ER Council - New Members Brochure (Feb 2015)

10 March 2015

new member - 528kb PDF

ER Council - New Members Brochure (Feb 2015)

Latest issue of FOS news

10 December 2014

Press Release - 1259kb PDF

Latest issue of FOS news

Website Development April 2014

30 April 2014

Presentations - 717kb PDF

Equity Release Council website development plans April 2014

Equity Release Council Presentation - Chris Pond

28 May 2012

Presentations - 288kb PPT

This is Chris Pond's powerpoint presentation from the launch event held on the 28th May 2012

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