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Adviser Centre

Lifetime mortgages.

With average life expectancy increasing, more and more people are looking to access all their assets to provide retirement income. As a result, the equity release market has grown by 28% since 2015 (Equity Release Council: first half 2015 verses first half 2016).  So how could you help your client with a lifetime mortgage?

How a lifetime mortgage could help your client

A lifetime mortgage is a loan that’s secured against your client’s home to give them tax-free cash that they can take all at once or in smaller amounts as and when they need it. With our Lifetime Mortgages:

  • There is a no negative equity guarantee and an inheritance protection option.
  • Clients can choose to include a 2% cash back option (except on our Premier Flexible product).
  • Your client has flexibility and control with our Optional Partial Repayments. Your client can pay up to 10% each year of the total borrowing (excluding interest) without triggering an early repayment charge.

Which clients could a lifetime mortgage help?

For clients looking to improve their retirement, to those wanting to help their family or make home improvements – even those who are looking to keep a pre retirement lifestyle – a lifetime mortgage could be the answer.  

Watch our customer testimonials to find out how they have helped others.

Why choose a lifetime mortgage from Legal & General?

As an adviser, you can:

  • Access our dedicated support team, either face to face, by phone or email.
  • Access key information when you need it with our online KFI portal, available 24/7. 
  • Receive an instant decision in principle with our online application service.

We're a member of the Equity Release Council and with award winning products and expert support, you can be confident when you recommend our lifetime mortgages to a client.

Find out more on our why choose us page.

Support for your clients

Client Guide to Lifetime Mortgages Q0055043 (PDF: 1295KB)  

Related Products

We also offer the following lifetime mortgages:

Premier Flexible Lifetime Mortgage.  

Flexible Lifetime Mortgage  

 

Customer testimonials

See how our lifetime mortgages have made a difference for some of our customers and their families.

Customer testimonials

Lifetime mortgage online services

Lifetime Mortgage Products

View our full lifetime mortgage product range on our products page. 

Dedicated support

Contact our dedicated support team on 03330 048444.

Call charges will vary.

We may record and monitor calls.

Prefer to refer?

If you don't have the relevant qualifications you can refer your client and still retain your relationship. Find out more

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