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Adviser Centre

Premier Flexible Lifetime Mortgage

At a Glance


An initial lump sum but with the possibility of further borrowing in the future, the choice is theirs.



Our Premier Flexible Lifetime Mortgage offers an initial lump sum and where the maximum loan has not been taken, the difference may be available to draw in the future.

This product offers our lowest interest rate with lower loan to values and a higher minimum loan requirement than our standard Flexible or Flexible Plus Lifetime Mortgage products. No monthly payments are made for the lifetime of the loan, as the interest is added to the mortgage balance each month. The loan is only repaid when the property is sold, within 12 months after the death or entry into long term care of the last surviving borrower.

At no extra cost, your clients can also select to leave an inheritance to their beneficiaries if they wish, by protecting a percentage of the eventual net sale proceeds of their home.

Consider If...

  • Are homeowners aged 60 and over.
  • Own a home in England, Wales or mainland Scotland.
  • Want a long term loan of £250,000 or more with a fixed rate. (Note, if additional borrowing is taken it may be at a different interest rate).
  • Want to take an amount of money now, but with the option to take out additional money in later years (up to the maximum loan allowed).
  • Understand and accept the risks involved with a lifetime mortgage.
  • Have thought about their other options before considering a lifetime mortgage.


Equity release 4 star award


Our KFI portal is available 24/7 and the online application process gives an instant decision in principle as well as secure data transmission to our underwriting team. Use this link if you've not yet registered for our online services, however if you’re already set up the same login details can be used for the KFI portal and secure online application. You can view a demo of the new online application system.

For any help please call us on 03330 048444. Call charges will vary. We may record and monitor calls.

If you don't have the relevant qualifications, The Retirement Lending Advisers, a separate company who are lifetime mortgage specialists, can help. Please call them on 0808 252 4550. Call charges will vary. Calls may be monitored and recorded.

Customer Testimonials

See how our Lifetime Mortgages have made a difference for some of our customers and their families.