Why choose us?

• Easy digital application - Apply entirely online and get a valuation quickly.
• No Negative Equity Guarantee - Never pay back more than the property is sold for, as long at it’s sold at the best price reasonably obtainable. For our Payment Term Lifetime Mortgage, the No Negative Equity Guarantee won’t apply to any monthly interest payments your client fails to make in full, and on time. Subject to terms and conditions.
• Compassionate Repayment Feature - Joint policy holders pay no Early Repayment Charge if the loan is repaid by the remaining borrower within three years of the death or entry into care of the other borrower.
• Optional Inheritance Protection - Ensure there’ll be equity left for beneficiaries. Subject to terms and conditions.
• Optional Partial Repayments (OPR's) - Repay up to 10% of the loan each year without any Early Repayment Charges. For our Optional Payment and Payment Term Lifetime Mortgages they can make OPR's after the client's payment term has concluded. Subject to terms and conditions
• Drawdown facility - For our Interest Roll Up and Optional Payment Lifetime Mortgages your client can release some cash at the outset and borrow more later from the remaining amount (min £1,000). Subject to product variant and terms and conditions.

• Flexible - Allows your client to release some of the money that’s tied up in their home without having to move or make any monthly payments.

Our Flexible Lifetime Mortgage 

• Optional Payment - Allows your client to release equity from their home and pay some or all of the monthly interest which will reduce the amount of interest that rolls up.

Our Optional Payment Lifetime Mortgage

• Payment Term - Allows your client the assurance of monthly interest payments for a chosen payment term which could reduce the overall cost of their loan.

Our Payment Term Lifetime Mortgage