My weekly catch-ups?

Call The Retirement Lending Advisers on 0800 918 3400. Calls are free, Monday to Friday, 9.00am to 5.30pm

Imagine getting an income to do more of the things you love. Whether it’s regular evenings out, weekends away, or treats with the grandchildren, your home could help you enjoy more of the little things in retirement.

If you're a homeowner aged 55 or over, our Income Lifetime Mortgage could give you a regular monthly income over a fixed term to pay for regular activities and little luxuries. It’s a loan secured against your home and is repaid in full, along with the interest, from the sale of the property when you die or move into long-term care.

Take an initial minimum loan amount of £2,500 when your lifetime mortgage starts
Get a minimum monthly income of £200
Choose a fixed term of 10, 15, 20 or 25 years.

The monthly amount you can release depends on the value of your property and the length of income term you select.

Things to think about

You'll receive a fixed amount paid automatically into your bank account each month.
If your circumstances change you can stop the income at any time. However, you won't be able to restart it later.
A lifetime mortgage will reduce an inheritance.
Taking an income may affect any means-tested benefits you receive.
You stay in and continue to own your home as long as you meet our terms and conditions. An adviser can talk you through these.
The loan is only repaid when the last surviving borrower dies or moves out of the home into long-term care.
When the income term ends your income will stop but the interest will continue to compound until the loan is repaid.

My lifetime mortgage calculator

Our free, easy-to-use calculator will show you how much equity you could release from your home with a Legal & General Lifetime Mortgage.

All applications above age 90 will be considered on an individual basis.

Our standard maximum loan is £750,000 and any loans above this amount are considered on an individual basis. Based on the information you have provided, we may be able to lend you more than £750,000.

This is an estimate of the amount you may be able to release. The amount you can release depends on your property and your individual circumstances. Speak to an adviser to find out how much you could release.

Did you know that the majority of our customers in 2017 received their money in less than seven weeks from applying?

To find out more call The Retirement Lending Advisers (TRLA) on the free phone number below.

Who are The Retirement Lending Advisers (TRLA)?
They're lifetime mortgage advisers that we've chosen to work with. They're not part of Legal & General, they're a separate company who can only advise on our Lifetime Mortgages.

TRLA won't charge you an advice fee.

Call TRLA free, now:

0808 302 6478

Calls are free. Monday to Friday, 9.00am to 5.30pm.
We may record and monitor calls.

When speaking to TRLA: they'll answer any questions you may have about our Lifetime Mortgages, check if you're eligible and arrange an appointment with a financial adviser, if you'd like one.

Or if you prefer, TRLA can call you. Simply request a call back by entering your details.

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Legal & General and The Retirement Lending Advisers take your privacy seriously; this is why we never share your personal details with anyone else for their own marketing purposes. However, from time to time we would like to contact you with news, useful information and exclusive offers on our products and services. If you'd like to be kept up to date, please let us know how you would like to hear from us:

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Information provided by you will be shared with The Retirement Lending Advisers to allow them to contact you to discuss our Lifetime Mortgages by telephone, post or email.

Your information will also be used by Legal & General to update you on our Lifetime Mortgages using email.

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Explore our products

Find out more about the Lifetime Mortgages we offer and how they could help you.

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Read our free guide

Request your free copy of our Guide to lifetime mortgages

If you'd like a copy of our Guide to lifetime mortgages through the post, please complete and submit the form below. If you'd like to download a copy, there's an option below for that too.

Or, to find out more, call The Retirement Lending Advisers (TRLA) on the free phone number below.

TRLA won't charge you an advice fee.

Call TRLA free, now:

0808 302 6478

Calls are free. Monday to Friday, 9.00am to 5.30pm.
We may record and monitor calls.

When speaking to TRLA: they'll answer any questions you may have about our Lifetime Mortgages, check if you're eligible and arrange an appointment with a financial adviser, if you'd like one.

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You can find out how to opt out of marketing at any time in our privacy policy.

Information provided by you will be shared with The Retirement Lending Advisers to allow them to contact you to discuss our Lifetime Mortgages by telephone, post or email.

Your information will also be used by Legal & General to update you on our Lifetime Mortgages using email.

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Why choose Legal & General?

5-star products

Moneyfacts awarded our Flexible Lifetime Mortgage five stars in 2018.

Responsible lender

As a member of the Equity Release Council, we uphold their standards and regulations.

We're here to help you

As at November 2018, we have lent £2.8 billion in lifetime mortgages to thousands of people.

Watch our TV advert

Watch our TV advert video

Transcript: Watch our TV advert

Running time: 1 minute

Main voiceover (VO): Imagine getting an income to do more of the things you love.

Onscreen text: legalandgeneral.com/lifetime 0808 278 7272 L&G Logo

Female VO: My weekends away with the girls? My home helps pay for it.

Main VO: Are you a homeowner aged 55 or over? You could top up your monthly income with our Income Lifetime Mortgage from a minimum of £200 every month for 10, 15, 20 or 25 years.

Onscreen text: Legal & General Income Lifetime Mortgage. A lifetime mortgage is a type of equity release. It’s a loan secured on your home. There is an initial loan amount. Once the fixed income term ends, the monthly income stops.

Male VO: My weekly catch-ups? My home helps pay for it.

Female VO: But you know what happened last time.

Male VO: I’ve never seen you go quite so red.

Onscreen text: Interest continues to compound until the lifetime mortgage is repaid. Amount released subject to individual circumstances.

Female VO: I did go red.

Male VO: My room-by-room makeover? My home helps pay for it.

Onscreen text: Loan and compound interest repaid when last borrower dies or moves into long-term care.

Female VO: My days out with this cheeky monkey? My home helps pay for it. Did you do it? Yes

Grandson VO: Yes

Onscreen text: May affect means-tested benefits, inheritance tax and the size of your estate. You may have cheaper ways to borrow money. Arrangement fee applies.

Main VO: To find out more about our Income Lifetime Mortgage and how your home could help pay for more of the little things in retirement, call us today on 0808 278 7272 or go online.

Main VO: Legal & General. For a more colourful retirement.

Onscreen text:
For a more colourful retirement
legalandgeneral.com/lifetime
0808 278 7272
Calls may be monitored and recorded.

What should I do next?

View - See all products View - Watch our animated guides

Call The Retirement Lending Advisers on 0808 273 1018

An adviser will review all of your options, answer any questions, and help you understand the risks and benefits of a lifetime mortgage. You can use your own qualified adviser, or you we can put you through to The Retirement Lending Advisers (TRLA).

They’re separate company who only advise on our Lifetime Mortgages. They'll check if you're eligible and, when you're ready, arrange a free, no-obligation appointment.

Call them free, Monday to Friday 9.00am to 5.30pm. They may record and monitor calls.