Dave came to Audley looking for financial advice to as he had been offered the opportunity to buy his council house under the right to buy scheme. Due to Dave’s age and low self-employed income he was unable to obtain a mortgage. We ran an analysis of his expenditure and circumstances, it was clear that Dave and his wife would be able to meet all of their outgoings in retirement with their State pensions. We were able to advise Dave to consolidate his various pension and take his entitlement to tax free cash to purchase the property outright, and still have a residual pension fund to take into retirement. Dave was able to purchase his house giving him and his wife security for the future.