Don’t settle for less…

There’s no type of lifetime mortgage client who cannot be helped by our range of lifetime mortgages.

From the lowest MER on the market (which fell below 3% for the first time in August 2019!) to our highest LTV ever of 56% (even for healthy clients), and medically enhanced LTVs to features for added protection, our plans accommodate what really matters to your clients.

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What added protection and benefits could my clients benefit from?

  • Cashback up to 5%* of the initial loan is available on some plans. This is added to your client’s release amount and no interest is paid on cashback.
  • Partial repayments can be made on ALL of our plans, and they could repay up to 12% of the initial loan each year*, so your clients can reduce the effect of roll-up interest if they are able to.
  • Fixed ERCs are available on some of our plans, so your clients can easily assess the benefits and risks of repaying their loan early, outside of any ERC-free allowances.
  • In joint cases, we offer an ERC exemption for remaining applicants within 3 years of the death/admission into long-term care of the first applicant, giving peace of mind should the worst happen.
  • In joint cases, we offer an ERC exemption for remaining applicants within 3 years of the death/admission into long-term care of the first applicant, giving peace of mind should the worst happen.
  • Downsizing protection allows clients to repay their loan ERC-free if they move to a property outside of our lending criteria after 5 years from when their initial loan completes.