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One Family Lifetime Mortgages.

One Family lifetime mortgages  

How to register with this lender as a new user

Visit our dedicated adviser website www.onefamilyadviser.com, click 'register' and follow the online instructions.

How to add Mortgage Club as a payment route with this lender

Once registered:

  • Login and select 'User profile'. You can then change your submission route list and select 'Legal and General' as your mortgage club.
  • To add to your preferred list, simply find ‘Legal and General’ and move it from the left to the right column.

How to contact this lender

You can reach them via email: Lifetime mortgage sales support: oflm.sales@onefamily.com

Lifetime mortgage underwriting: lifetimemortgages@onefamily.com

Or by calling 0800 802 1645 they are open Monday to Friday 9:00 - 18:00.

Why choose One Family Lifetime MORTGAGES


They offer two lump sum lifetime mortgages, an Interest Roll-up and the voluntary Payment lifetime mortgage. This means customers have the choice of rolled up interest or the choice of making flexible capital payments. They are also adding an additional product to their offering, coming soon.

Flexible Lifetime Mortgages offer:
The choice of either fixed interest rates, or variable interest rates.
Early Repayment Protection (in the form of our downsizing protection feature) means there is no early repayment charge for those customers who wish to fully redeem their loan when they sell up and move home after five years
Simple, fixed ERCs


Interest Roll-up
Their Interest Roll-up product allows your client to release money without having to worry about having to repay anything during their lifetime.

For clients who:

  • Want to take a set lump sum
  • Are not concerned about the impact of interest roll-up
  • Have no family with concerns about their inheritance
  • May be looking to mitigate IHT
  • Want to discharge outstanding debts carried into retirement but don't have the ability to make any monthly interest payments.


Voluntary Payment
Their Voluntary Payment product allows your customer to repay up to 10% of the initial loan amount (and further advances) each year, without incurring an early repayment charge. Unlike some lenders there is no waiting period and/or limitations to how many payments can be made per annum.

With OneFamily payments can be made immediately and can be weekly/monthly or adhoc.

For clients who:

  • Have concerns about the impact of the interest roll-up, and how this will erode the equity in their property
  • Have family who are concerned about the impact of roll-up on their inheritance
  • Have outstanding mortgage debt they wish to continue to pay down in retirement
  • Like the idea of paying something off the debt but can't commit to regular payments
  • Are looking for flexibility in managing their finances in retirement.

 Useful documents

Interest Roll-up At a Glance (fixed)
Interest Roll-up At a Glance (variable)
Early Repayment Charges (ERCs)
Additional Borrowing
Tariff of charges
Lifetime Mortgages offering variable capped rates. Is it for my customer?
Lifetime Mortgages offering fixed capped rates. How does it work?

Voluntary Payment – Product Information

Voluntary payment At a Glance (fixed)
Voluntary payment At a Glance (variable)
Early Repayment Charges (ERCs)
Additional Borrowing
Tariff of charges
Lifetime Mortgages offering variable capped rates. Is it for my customer?
Lifetime Mortgages offering fixed capped rates. How does it work?

Contact Hodge Lifetime

0800 802 1645

Or by email.

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