Reviews and Ratings for Financial adviser Robert Ducker, Bournemouth

Life Insurance

Taking Charge Of Your Future

It always makes sense to have plans in place to safeguard the financial security of your loved ones should something happen to you. By investing in life insurance coverage, you’ll have a safety net to protect your family should the worst happen. Getting inheritance tax advice and writing a will can also help with this. Contact Equity Release Advice to learn more about how I can help you.

Estate Protection

If you pass away without writing a will, then there is a chance that your estate may not go to the people you wanted, or get shared the way you want it to. The lack of a will makes the process slow, and your family might have to deal with an additional financial burden while mourning the death of a loved one. Estate planning allows you to have a say in what goes to whom and how all your property gets shared.

Inheritance Tax

If you are lucky enough to have a sizeable estate, then inheritance tax is something that you need to keep in mind. The amount an individual can bequeath free of IHT (called the ‘nil rate band’) is currently £325,000 for 2020-21 ( After that, your worldwide estate (including property) is taxable at 40% on any excess over the nil rate band. For couples – and dependant on what occurs on the first death – the threshold for the second spouse/civil partner could be up to £650,000. You can also make use of numerous IHT-exempt gift allowances during your lifetime.

Wills and IHT planning are not regulated by the Financial Conduct Authority.

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Our Other Services

Mortgages at Lifetime Mortgage Market


Lifetime Mortgages can provide flexibility to meet your requirements.

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Life Insurance at Lifetime Mortgage Market

Life Insurance

It always makes sense to have plans in place to safeguard the financial security of your loved ones should something happen to you...

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Life & Mortgage Protection at Lifetime Mortgage Market

Life & Mortgage Protection

Income protection payouts are based on a percentage of your income, normally 50% to 70%. All payouts are tax exempt...

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Terms and Conditions

Our charges are based the loan amount and the complexity of your individual circumstances. We will provide you with a free initial consultation and we will always explain what you will be charged before you decide to proceed with an application. We offer a bespoke service and our fees can vary. Our usual set fee is only paid on completion and is £995.00. If your circumstances are more complex, we may charge a higher fee. Our maximum fee is 1% of the loan value.

These fees apply to regulated mortgages. Certain mortgages, primarily most buy to let and commercial mortgages, are not regulated. Fees for non-regulated mortgages can vary depending on your requirements and circumstances.

Wills, IHT, Trusts, Power of Attorney and Funeral Plans are not regulated by the Financial Conduct Authority.

This is a lifetime mortgage. To understand the features and risks, please ask for a personalised illustration. Check that this mortgage will meet your needs if you want to move or sell your home or you want your family to inherit it. If you are in any doubt, seek independent advice. Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage. Lifetime Mortgage Market is a trading style of Robert Ducker FCA number 940228, an Appointed Representative of The Right Mortgage Ltd, which is authorised and regulated by the Financial Conduct Authority. The Right Mortgage Limited is registered in England and Wales with Company number: 09863667. Registered Office: St Johns Court, 70 St Johns Close, Knowle, Solihull, B93 0NH.

We also confirm that any advice required outside of Equity Release Lifetime and Retirement mortgages will be referred to our authorised specialists.


The Financial Conduct Authority does not regulate some investment mortgage contracts. Calls may be recorded for training and compliance purposes.

This is a Lifetime mortgage, to understand the features and risks, ask for a personalised illustration.

Under no circumstances should any of the information contained within this website be construed as "advice". You should seek professional advice in respect of your own circumstances.

The information contained in this website is subject to UK regulatory regime and is therefore intended for consumers based in the UK.