Edinburgh Fringe comedians bring laughter to care home residents

Residents at two of the capital’s care homes felt the buzz of this year’s Edinburgh Fringe Festival after a series of on-site comedy performances at Randolph Hill Nursing Homes over the weekend.

Stand-up comedians Carey Marx and Jojo Sutherland brought their shows to Randolph Hill nursing homes across Scotland, including its Ashley Court and Blenham House sites located in the capital, enabling residents to share in the Edinburgh Fringe experience.

The stand-up shows were part of a series of performances by the pair which were held at each of Randolph Hill’s sites located in Edinburgh, The Lothians, and Stirlingshire over the course of last week.

Carey performs regularly across the UK comedy circuit and has appeared in numerous television programmes including Comedy Cuts, BBC Breakfast and Loose Women. In 2009 he gained global recognition after winning Best International Show at the New Zealand Comedy Festival.

Jojo has worked in the UK entertainment industry for more than two decades as a writer, actor, broadcaster, and comedian. A regular at the Edinburgh Fringe, she was a 2022 finalist for the title of British Comedian of the Year.

Randolph Hill currently cares for more than 350 residents and employs over 600 members of staff at its seven sites across east and central Scotland.

Randolph Hill Managing Director Peter McCormick said: “We were delighted to bring this year’s Edinburgh Fringe Festival to our nursing homes including our two sites in the capital. 

“With two highly regarded comedians bringing their acts to all of our seven sites, this series of performances brought a real festival buzz to our residents and enabled them to enjoy the Fringe experience in a familiar setting.

“We are grateful to Carey and Jojo for their great performances which were warmly received and thoroughly enjoyed by our residents, family members and our staff.”

Promotion bolsters dementia care at Cramond Residence 

New Head of Lifestyle to strengthen residents’ experiences at care home 

ONE of Scotland’s leading care facilities has announced the appointment of a new specialist that will further improve its high-quality dementia services.  

Elaine Vallance has been promoted to Head of Lifestyle at Cramond Residence, bringing more than six years of expert care knowledge to the home’s lifestyle team.  

Elaine, who joined Cramond Residence 15 months ago, will organise a wide range of activities designed to bring meaningful socialisation to residents – a major factor in treating dementia patients.  

She said: “I’m passionate about delivering the best possible quality of care to our residents during their golden years. 

“I love spending time with our residents, and I am lucky to now head up an incredible team who always give their best to ensure that the standard of care we deliver is second to none. 

“When you come away from an activity that residents have enjoyed and you see a smile on their faces, it’s hugely rewarding and motivating. I’m really excited and thankful to be given this opportunity and I am looking forward to working with the team to bring forward more fantastic activities for our residents.” 

Cramond Residence strives to ensure that those living with dementia live a fulfilled life. The home offers a dedicated dementia floor, specially designed for those living with the condition to allow them to live a richer and more satisfying life with specialist facilities and trained staff on hand to provide support and relief. 

Dementia training sits at the top of the care home’s agenda with 90% of their staff being provided with vital dementia training.  

Elaine added: “We have already had a series of fantastic events for residents such as a trip on the trams to Newhaven, as well as a sports day which was popular with the residents.  

“In the future I have plans to create a sensory room for our residents living with dementia, this will provide a stimulating environment with huge mental benefits. 

“I will continue channelling all my energies and passion into delivering what Cramond Residence is all about, delivering top quality care to those who stay with us.” 

Client Liaison Manager, Christian Daraio said: “Elaine has a wonderfully kind and nurturing personality which the residents love.  

“We are incredible lucky to have her on our team and I am really looking forward to seeing what fantastic opportunities she no doubt has in store for our residents in the future.” 

Cramond residence is a purpose-built care home which opened in October 2018. It combines luxury, five-star accommodation with outstanding clinical standards. 

Spread across three floors, Cramond Residence adopts a small group living philosophy. That means groups of eight rooms form distinct “houses”, where residents are encouraged to eat and socialise together.  

To find out more information on Cramond Residence, visit:

 https://cramondresidence.co.uk/ 

Cramond care home hosts show-stopping summer party for residents

Dementia care specialists build on party success with another great event

PENSIONERS enjoyed a sizzling summer party filled with music, food and performances at one of Scotland’s leading care homes in dementia care.

Building on the success of last year’s seasonal extravaganza, Cramond Residence’s Lifestyle Team pulled out all the stops to create a day full of fun for residents and their families.

The luxury care home has ran summer parties in the past which have proved to be popular and plan to return next year with another.

Elaine Vallance, head of the Lifestyle Team at Cramond Residence said: “We always aim to deliver events that will put a smile on the residents’ faces, and it was great to see that with the Summer Fete this year we achieved this again.

“It was a lovely day meeting the residents’ families and welcoming them into our care home to spend time with their loved ones.

“Last year we held a Wild West themed party which was extremely popular with our residents and carers, so we knew we had to come back with something great again this year. 

“Everyone had a great time, though I suspect the residents enjoyed it just a little bit more seeing as they got the chance to throw wet sponges at our Lifestyle Team at the end of the day.”

Residents enjoyed a day full of delicious BBQ food, live music, a variety of shows, balloon modelling, a raffle and tombola.

Client Liaison Manager Christian Daraio said: “Elaine and her team consistently deliver vibrant and exciting events for our residents that brings a lot of joy to their lives. 

“I have to say, thanks to Elaine and her team – who worked tirelessly to ensure that the day ran smoothly – all who attended had a great time.

“We’re already looking forward to next year’s summer party, and of course the residents are looking forward to all the upcoming events Elaine has up her sleeve for the rest of the year.”

Cramond Residence prioritises the residents’ needs and offers a tailored activity programme that combines a luxury hotel ambiance with the comfort of home living.

The residence was purpose-built for £8m and opened in October 2018 and adopts a small-group living philosophy with a major emphasis on socialisation.

Cramond Residence offers a wide variety of dementia care services within the general home environment or in a specialist area, which has been carefully designed for those at a more advanced stage.

The home provides a range of activities specially designed to give those living with dementia a richer and more satisfying life, with specialist facilities and trained staff on hand to provide support & relief.

Local Care Home receives the Royal Seal

Strachan House care home in Blackhall were delighted when they received a card from Buckingham Palace yesterday.

Residents at the home had rolled out a spectacular week of royal celebration activities on the run up to the coronation.

One activity saw many residents writing their own letters to the future king and queen sending well wishes and for a long reign.

Mandy, Head of Activities said “we never thought that HRH King Charles lll and Queen Camilla would have took the time to respond, but they did. Our residents were overwhelmed when the royal sealed envelope was delivered!”

Strachan House has built up excellent reputations within its local community. The home regularly holds events and activities for its residents and surrounding neighbours, and the Coronation week saw many local events hosted within the home.

General Manager, Gordon Philp said: “It is important to recognise the hard work of our staff here at Strachan House. Receiving this from the King and Queen today is about as good as it gets!” 

Strachan House care home is run by Barchester Healthcare, one of the UK’s largest care providers, which is committed to delivering personalised care across its care homes and hospitals. 

Strachan House provides residential care, nursing care and dementia care for 83 residents from respite care to long term stays.

Care Home invites local community to Open Day

Strachan House  in Edinburgh will be opening their doors to the local community for an open door event complete with free refreshments on Saturday 19th August.

Taking place between 10am-4pm guests will be able to enjoy a freshly prepared buffet by the home’s Head Chef whilst taking the opportunity to meet the General Manager Gordon Philp and his fantastic team. Why not allow them to take you on a tour of the home and see everything the home has to offer? In the afternoon visitors will have the opportunity to enjoy a relaxed afternoon tea and ask any questions they may have.

The Strachan House team will be on hand to answer any queries that they may have. A warm welcome awaits every visitor and a free goodie bag upon leaving will ensure that everyone will have a little something to remember their day with us by.

Gordon Philp, General Manager at Strachan House says: “I’m excited about welcoming new visitors and existing friends of the home to our open day.

“Looking for care can be a little bit daunting, but our team here at Strachan House will do all we can to provide all of our guests with the guidance and support they may need, and answer all of their questions, big or small.

“Our open day is a great chance to enjoy everything the home has to offer in a homely and friendly setting- hope to see you all there!”

Our varied life enrichment programme keeps residents active, and provides a daily choice of engaging physical, mental and spiritual activities tailored to residents’ interests and abilities. 

Strachan House care home is run by Barchester Healthcare, one of the UK’s largest care providers, which is committed to delivering personalised care across its care homes and hospitals. Strachan House provides residential care, nursing care and dementia care for 83 residents from respite care to long term stays.

LifeCare welcomes new CEO

We are delighted to welcome our new permanent CEO, Sarah Van Putten, to the LifeCare family.

Sarah joins us as an experienced third sector Chief Executive, with a career in health and social care spanning 3 decades. For the last 6 years, Sarah has been supporting Befriending Networks across the UK, and tackling loneliness and isolation by influencing public policy.

On her appointment, Sarah said: “I am delighted to have joined the LifeCare team as permanent CEO.

“I bring a long track record of working within and managing social care organisations. I knew of LifeCare as my great Aunt was a client and I have always been impressed by the work they do.

“Since taking up post, the commitment and passion of the team has already become evident – with staff continuously going above and beyond for the people they support. I look forward to working closely with staff, our board of trustees and most importantly the clients to identify our priorities for the next 3 years.

“I hope to bring my wider experience of social isolation policy work to help Lifecare amplify the voices of those who use our services, so that we can continue to offer those “extra years of Zest” to the people in our communities that need it most.”

Discounts and days out for Over 60s in Scotland this summer

With summer in full swing, there’s ample opportunity to get out and about this season. Being able to get out and explore is important for our physical, mental and emotional health. While this is true for people of all ages, it can be critically important for over 60s.

But getting out and about doesn’t need to break the bank. Many companies and UK institutions provide amazing concessions for older people. From museums and castles to historic homes and gardens, there are loads of discounts to take advantage of – and that can include travel too.

As a result, the team at New Care Homes has compiled an updated list of some of the best concessions to take advantage of this season.

The list covers a wide array of amazing discounts including travel, food and drink, national heritage sites, cinemas and more. 

Great Outdoors

The National Trust of Scotland

The National Trust of Scotland owns and manages around 130 properties and 180,000 acres across the country which includes castles, ancient small dwellings, historic sites, gardens, coastline, mountains and countryside.

Although it’s similar to the National Trust, which covers EnglandWales, and Northern Ireland and has many of the same goals, it is its separate entity.

Seniors who love to get out and about in the Scottish great outdoors will qualify for a Senior Membership card at £4.85 a month. A Joint Senior and Lifetime membership is also available which can help make some savings.

Historic Environment Scotland 

Historic Environment Scotland is a public body that plays a crucial role in preserving Scottish natural heritage. It functions in the same way as English Heritage does for England and Cadw for Wales, allowing millions of visitors the chance to experience Scotland’s national landmarks like Stirling, Edinburgh and Urquhart Castles and other heritage attractions across Scotland. 

Tickets for HES landmarks have an admission price which can vary from location to location. However, there are concession discounts for over 65s. Ticket prices can be checked and booked online. There’s also a concession for annual membership starting at £42.00. Members will also be able to claim half-price entry to English Heritage and Cadw sites in their first year. 

The Ramblers Association Scotland 

The Ramblers Association offers discounted individual and joint life memberships for over-60s. Membership grants you: 

  • Access to a library full of thousands of tried-and-tested routes online and through the exclusive app.
  • Unlimited access to 50,000 Ramblers guided group walks with an expert walk leader along safe, accessible routes.
  • Discounts on walking gear at Cotswold Outdoor and other partners
  • A welcome pack teeming with top tips plus access to the quarterly Walk magazine.
  • Membership goes towards increasing access to green spaces and preserving walking routes across the UK

For more information – including beautiful Scottish walks and walking maps, on The Ramblers Association Scotland website.

Royal Horticultural Society 

The Royal Horticultural Society (RHS) is the UK’s leading gardening charity. They provide a Senior Life Membership package for members over 60. Members will receive: 

  • Unlimited entry to RHS Gardens
  • Free access to more than 200 RHS Partner Gardens
  • Privileged entry and discounted tickets to RHS Shows (including the Chelsea Flower Show) 
  • Booking access
  • Monthly magazine
  • Gardening advice from experts 
  • Special events

Membership packs also include a handbook, pin badge and engraved RHS Life Member secateurs.

A full list of information on the RHS locations in Scotland can be found here.

Cinema

Odeon

Odeon is a popular cinema chain which shows everything from the latest blockbusters to absolute classics- so there’s always something for everyone. As well as films, most Odeon cinemas will also have an onsite coffee and ice cream shop where you can enjoy a treat before your screening.  

Odeon cinemas provide special screenings for patrons over 60 through their Odeon Silver events. These screenings tend to happen during quieter periods so you can avoid the rush, and they even provide tea, coffee, and biscuits with your ticket. 

Silver Cinema Screening prices can cost as little as £4, but this will vary depending on where you are. Check online with your local Odeon to see the Silver Cinema schedule and ticket pricing. Tickets can also be bought on the day but might cost slightly more.  

Cineworld 

Cineworld cinemas show a wide range of films, including live and recorded events from National Theatre and Royal Opera House – and even international events.

Cineworld provides a senior citizen discount across its film screenings. The price of tickets can vary depending on the location and film type, but all ticket prices can be found online. Tickets can be booked online (with an additional 70p charging fee) or bought inside the venue before the show time.

For more information: https://www.cineworld.co.uk

Vue 

Vue offers film fans who are 60+ discounts on ticket prices across all film screenings. Prices can vary depending on the cinema’s location and the type of film (2D, IMAX etc) but they can be quite cheap during off-peak show times (Monday-Thursday before 5 pm). 

They also operate screenings for over 60s called the Senior Club. Tickets are discounted, and you’ll also receive a cup of tea/coffee and a biscuit when you go in. 

Museums and Galleries

National Museum of Scotland

The National Museum of Scotland in Edinburgh, Scotland and features exhibits and collections on Scottish antiquities, culture and history.

  • Entry is free for everyone, so there is no senior concession available. However, Individual memberships are available for repeat visitors which provide a host of benefits including:
  • Unlimited free entry to world-class exhibitions 
  • Invitations to exclusive Member Previews for selected exhibitions
  • Unlimited free entry to the National Museum of Flight
  • Unlimited free entry to the National Museum of Rural Life
  • Invitations to exclusive events and experiences throughout the year
  • Behind-the-scenes news and in-depth articles in the members-only magazine Explorer
  • 20% discount in our cafes
  • 10% discount in our museum shops and online
  • 10% off entry to Edinburgh Castle for the National War Museum

Edinburgh Castle

Edinburgh Castle stands on Castle Rock in the heart of Edinburgh, Scotland. As one of the most important strongholds in Scotland and one of the oldest strongholds in Europe, Edinburgh Castle is an important part of Scottish history. 

Concession tickets for seniors (65+) are available. Online concession prices are £15.50, while on-the-day ticket prices are £17.60. Pre-booking tickets can save a bit of money and will also guarantee entry in the event of a busy day.

Anyone who already has a Historic Environment Scotland membership will have free entry to Edinburgh Castle as well as a wealth of other perks.

Aberdeen Art Gallery (Archives and Museums) 

The Aberdeen Art Gallery is home to one of the finest collections in the UK. For over 130 the gallery has acquired the best and most interesting contemporary artworks.

Spanning over 700 years, the collection includes works by important Scottish artists, designers and makers such as Henry Raeburn, Joan Eardley, Samuel Peploe, Rachel McLean, Bill Gibb and James Cromar Watt, as well as nationally and internationally acclaimed artists from all walks of life.

The gallery is free and is considered an exceptionally accessible venue for visitors from all walks of life. It’s also part of the Aberdeen Archives, Gallery & Museums (AAGM) group which includes a wealth of other venues worth visiting if you’re visiting the city.

More information on The Gallery and other venues can be found here.

Glasgow Gallery of Modern Art (GoMA)

GoMA is located in the heart of Glasgow city centre. It is a world-class art museum and a great place for people to gather, share ideas and enjoy art from around the world. 

GoMA has four galleries, a well-stocked library and a gallery shop selling ranges inspired by installations and exhibitions. The gallery is currently running an exhibit from the elusive and internationally renowned graffiti artist Banksy entitled: Banksy: Cut and Run for July and August 2023.

Concession tickets are available for £10, and a membership scheme is available for repeat visitors starting at £28 which provides a whole host of benefits. If you ever find yourself in Glasgow this wonderful institution is well worth a visit

Sports 

Scottish Football Association 

Love to watch the footie? Well here’s some great news Following a campaign by Age Scotland and the Mail on Sunday back in 2019, the Scottish Football Association re-introduced discounts for football fans over the age of 65. Senior tickets will cost from just £15 depending on the match category, and will be available throughout Hampden Park – the home of the national teams. 

The Scottish Supporters Club also operates a senior membership discount scheme, however, memberships have already sold out for the 2023/2024 season. But don’t fret – you’ll still be able to get access to general admission tickets when they’re released for specific matches. 

Scottish Rugby 

More of a Rugby fan? Then you’re in luck! Scottish Rugby provides senior citizen concessions on matches. Concession pricing can differ from event to event but ticket prices are always released in advance so it’s well worth checking in advance for matches this summer. Visit the Scottish Rugby Online Ticket Centre for information on upcoming matches. 

The Scotland Supporters Club also operates a membership scheme. For £45 you’ll receive benefits such as:

  • Invitation to a Scotland training session
  • Digital Membership Pack
  • Pre-sale access to all Scotland home game ticket sales, including the 2023/24 Scotland Season Pass 2023, the Summer Tests: 3-Match & 2-Match Packages and individual match tickets, 2024 Guinness Six Nations: Individual match tickets to Scotland’s home games against England and France and Scotland Women & Scotland U20 ticket sales

Highland Games 

Highland games are a series of much-beloved events held in spring and summer in Scotland. Although games are often centred around Scottish heavy athletics, they also incorporate entertainment and exhibits such as music, dancing, poetry, literature and food and drink.

Events include the caber toss, stone put, Scottish hammer throw, weight throw, weight over the bar and the sheaf toss among others. Women also take part in the events, and competitors are known to wear a traditional kilt when taking part. 

Upcoming events include the Dundonald Highland Games (5th August) the Stirling Highland Games (19th August)  Bridge Of Allan Highland Games (6th August) and the Crieff Highland Gathering (20th August). 

Many of these events, such as the Stirling Highland Games and the Bridge of Allan Highland Games offer concession tickets for over 60s, with some as low as £5 for entry.  

A full list of upcoming Highland Games events can be found here.

Spring/Summer Shopping

Boots 

Beloved UK retailer Boots offer an Over 60s Rewards Card as part of their Advantage  Card Scheme. This allows cardholders over 60 to earn 8 points for every £1 spent on brands such as Boots, No7, Soap & Glory, Botanics, Liz Earle, Champneys, YourGoodSkin and more. This can come in handy when it’s time to pick up some sun tan lotion and holiday bits for the season.

Over 60s can also access discounts from Boots Opticians when buying a pair of glasses or prescription sunglasses, and will receive 200 points with a free Hearing Health Check at Boots Hearingcare. All you need is an existing Advantage Card which you can sign up for free here. 

Specsavers 

Specsavers is one of the biggest opticians in the UK. The Specsavers over 60s discount provides 20% off a pair of glasses from their £69 range or above which includes frames, lenses and any extra car options. The offer also includes sunglasses so you can pick up a flash new pair to enjoy in the sun. 

Food and Drink 

Dobbies

Bright and bustling, Dobbies is a great day out for those who like to get out and about. The garden centre offers a Senior Citizens Lunch. Visitors can enjoy a delicious main course & a cake for just £11.95 Monday to Friday from 12-3 pm.

They also have a fantastic afternoon tea service and are dog friendly, making it a great choice for a visit this season. Find your nearest Dobbies garden centre online with their store locator.

Patisserie Valerie

Patisserie Valerie is well-known for creating wonderful baked treats that are perfect for a spot of afternoon tea.

Seniors over 60 are eligible for a 10% discount at all Patisserie Valerie stores as well as online orders. To be able to access the discount, simply visit the seniors discount section on the Patisserie Valerie website to enjoy money off a delicious assortment of cakes, biscuits, selection boxes and afternoon tea options. 

Greene King 

Greene King is one of the UK’s leading pub retailers and as part of their food and drink options, their locations offer a Senior Menu which provides manageable portions at reasonable prices. With over 3,100 locations nestled in areas across the country, it’s well worth visiting for an afternoon lunch or a quiet evening dinner. To find your nearest Greene King pub, visit their Pub Map on their official website.

Waitrose 

Waitrose has brought back its incredibly popular ‘free coffee’ scheme for MyWaitrose cardholders. You don’t need to spend a certain amount to qualify for the ‘freebie’ – You just need to swipe or scan your myWaitrose card at the self-service drinks machine after checkout. It’s perfect if you’re popping in for a paper or a drink during a walk around town. 

Cardholders will also get access to exclusive savings and members-only rewards which can come in handy if you’re planning a picnic or need a snack for a day out.

Travel

Senior Railcard

Over 60s qualify for a Senior Railcard which allows cardholders to get 1/3 off train travel on all franchised train operating companies in England, Scotland and Wales. A 1-year Railcard is just £30, but you can also buy a 3-year Senior Railcard for just £70 which is great if you plan to do a lot of travelling in 2023. 

You’ll be able to enjoy discounts on Standard and First Class Anytime, Off-Peak and Advance tickets. And if you’re living in/visiting London, you can link it to an Oyster Card to get ⅓ Off-Peak travel around London too. Check out the Senior Railcard FAQs for more information. 

National Express 

If coach travel is more your thing, National Express have a Senior Coachcard offer that’s available for over 60s. Cardholders can save a 1/3 on standard and fully flexible fares to hundreds of locations across the UK. 

A Senior Coachcard is only £12.50 a year (+ £2.50 postage), meaning the savings will start to outweigh the costs pretty quickly. For a list of all destinations covered by National Express, visit the website for more information.   

Older Persons Bus Pass

Older people’s bus passes are available across the UK, although each country has rules and regulations.

In Scotland, you can apply for a National Entitlement Card (AKA a ‘saltire card’) once you turn 60. To qualify you must be over 60 and a resident in Scotland. You can apply online, or through your local post office and local council. 

 If your card was issued by the City of Edinburgh Council, you’ll also be able to use them on trams throughout the city. 

City Sightseeing Bus Tours 

Although NEC cards aren’t valid on City Sightseeing Bus Tours for free travel, concession tickets are available and can save older travellers £1 on their travel. 

City Sightseeing buses are available in Edinburgh, Glasgow, Inverness, the Isle of Bute and more.  

For more information on City Sightseeing tours and experiences check out the official website.  

Later life debt fears rise, as over 55s worry about mortgage rate increases

Almost half of people (46%) over the age of 55 who are paying off mortgages are worried about rising rates, continuing to meet repayments and how to pay their loans off in full, research from PensionBee, the leading online pension provider, suggests.

The research carried out in June indicates that three quarters of respondents over age 55 who have mortgages are worried about rising interest rates (76%, Table 1) and concerned about how they will manage their payments to the end of term (62%, Table 2).

Respondents aged over 55 with a household income of less than £30,000 were more worried about rate rises than average (83%) and also about managing repayments to the end of the term (72%).

One in five over 55s on interest-only mortgage deals

Worryingly, less than half of over 55 respondents said they are on capital repayment mortgages (42%, Table 4), while 40% said they are on ‘part capital repayment, part interest only’ and almost one in five (18%) of over 55 respondents with mortgages are on interest-only deals, meaning that when they get to the end of their mortgage term, they will have to have enough cash available to pay off the remaining capital balance. 

Uncertain repayment plans

Almost half (46%) of mortgage holder respondents aged 55 or over admitted they are unsure how they will pay off their mortgage in full. The most common remaining mortgage balance was less than £50,000 (Table 10), however, a small proportion (6%) of respondents reported their balance exceeding £250,000. 

Using a capital lump sum (22%, Table 9) was noted as the most common way respondents over age 55 were planning to pay off their mortgage in full, while using a pension (16%), selling the house (11%) or using equity release (5%) were other options being considered. 

Becky O’Connor, Director (VP) Public Affairs at PensionBee, commented: “The current mortgage rate rise shock may be contributing to an abrupt rethink of retirement plans and causing worry and uncertainty among the population of older homeowners still repaying loans. 

“Anyone hoping to wind down from work as they approach their pensionable years and who still has a mortgage to pay could face a significant reality check in the coming months. Their mortgage could suck away even more of their disposable income, potentially forcing them to work for longer. 

“Those on interest-only deals will not only face potential rate rises, but the additional headache of a looming deadline for repayment of their capital balances. Money they might have earmarked for repaying the capital at the end of the term might now need to go towards monthly repayments. 

“It’s worrying that almost half of respondents in this older age group are not sure how they will repay their mortgage in full. One in five are pinning their hopes on a capital lump sum, while one in six think they will use their pension. 

“People can access their pension from age 55 and can take 25% as a tax-free lump sum. With mortgage rates rising so rapidly, it may be tempting to tap the pension to pay off a home loan. 

“Having a mortgage that runs into retirement can be a problem, because repayments can mean people have to take more out of their pensions in the early years.

“Anyone who is considering this must bear in mind the potential impact of using up tax-free cash early on in retirement and then running the risk of not having enough money later on to maintain enough income for a decent living standard.

“Pensions are designed to provide this income. While it can make sense to use some of the pot to pay off mortgages, it’s good to be aware of what this can do to living standards in retirement.” 

Working longer to pay the mortgage

Almost one-in-five (19%, Table 3) mortgage holder respondents over the age of 55 are not working, with 22% saying they work part-time and 59% working full-time. Looking just at respondents aged over 65 who have a mortgage, the majority of whom will also be in receipt of the State Pension, 65% said they are still working full-time or part-time, suggesting that the need to continue to repay a home loan keeps people in work for longer. 

There was a correlation between employment status and repayment type, with full-time workers over age 55 more likely to be making capital mortgage repayments and unemployed people more likely to be making interest-only payments, which tend to be lower.

Later life rate rise expectations

Almost half (47%, Table 5) of homeowner respondents aged over 55 identified their current mortgage interest rate as between 2 and 4%, with 12% on a lower rate of 1 to 2% and 25% on a rate of 4 to 5%. Just over one in 10 said they are paying between 5 and 6%, and 5% said their mortgage rate was over 6% (Table 4 below).

Just over a quarter (28%, Table 6) of those surveyed noted that their current mortgage deal is coming to an end either this year or in 2024. The vast majority (76%) of over 55s expect their repayments to increase in the next few years – at a time in life when people ideally look forward to lower housing costs.

Digital Divide: Older people struggling to pay for broadband at risk of further financial losses

Nearly half (44%) of older people in Scotland on a low incomehave struggled to keep up with their broadband bill in the last 6 months, according to new research from the older people’s charity Independent Age.

Of that number, 18% found it a constant struggle, and 26% struggled from time to time.

Independent Age says the findings from YouGov commissioned polling raise fears that the cost of living has deepened the ‘digital divide’ and warns that older people in financial hardship may become even more isolated and could face additional costs if they are forced to shut off their internet access.

The survey also found:

  • More than 1 in 3 (35%) older people in financial hardship said they are worried they will not be able to pay their broadband bill over the next 6 months.
  • 36% are currently having to cut back their spending on their internet, phone or TV subscription services a great deal or a fair amount.
  • Almost 1 in 10 (9%) have already cancelled broadband and phone services over the winter in an effort to save money and 6% had already taken this action before the winter began, to save money.

The charity warns that not being able to go online could mean that older people on low incomes are unable to access information about financial entitlements or services, miss out on savings by not being able to search for the best deals and lose vital social connections.

It’s calling on broadband providers to further promote their social tariffs so that older people in financial hardship are aware that support for their internet costs is available. The charity also believes the Government has a role to play in  promoting social tariffs as part of the support available during the cost of living crisis.

Social tariffs are cheaper broadband contracts for those receiving means tested benefits, such as Pension Credit (the State Pension top-up for those on a low income). However, current take-up is low, with just 5.1% of eligible households using them2,and Independent Age say that eligible older people are going without as a result.

Morgan Vine, Head of Policy and Influencing at Independent Age, said: “The choice to engage online shouldn’t be taken away due to cost. We’re hearing from people in later life who are struggling to pay their broadband bills, cancelling their services, or making considerable sacrifices to afford this expense, such as going without fresh food.

“Cancelling broadband can mean someone misses out on the best deals, social connections with friends and family or on finding information about financial support they could be entitled to, such as Pension Credit or Attendance Allowance. 

“Independent Age is calling on broadband providers to do all they can to support vulnerable customers. We also think the Government has a role to play when promoting the options available now and thinking about consistency in the longer term. At the moment it’s a confusing picture for older people on low income, with each provider offering different options.

“While broadband social tariffs are available from most major providers, and can be a great help for those in financial hardship, take up is extremely low. Independent Age wants providers to proactively promote their social tariffs and target their activity at all eligible groups, including ensuring older people on a low income are not missed out.”

Details of all available social tariffs can be found on Ofcom’s website here: https://www.ofcom.org.uk/phones-telecoms-and-internet/advice-for-consumers/costs-and-billing/social-tariffs#full-list-of-available-tariffs, or people who think they might be eligible can contact their provider to find out more.

Case study – Maggie’s Story

“There’s a growing assumption that we can all do everything online now, but because of my financial situation, I’ve had to cancel my phone and Internet contracts. So now if I want to do anything that involves being on the Internet, I need to get hold of a library that’s open at certain times.

“I don’t know what’s happened in other parts of the country, but we used to have access to Wi-Fi on Greater Manchester’s buses and trams. That disappeared during COVID. I’m assuming it was taken off as a cost-saving thing because people weren’t traveling on the buses, but they’ve never put it back.

“And that doesn’t just impact older people who don’t have Wi-Fi — it impacts young families who are trying to do stuff whilst they’re out and about because they can’t afford to pay for the subscription at home.”