My shiny new kitchen?

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

From that shiny new kitchen to a well-deserved holiday or the excitement of being able to help a family member buy their first ever home, if you’re aged 55 or over, our Flexible Lifetime Mortgage could help. A loan secured against your home, it’s a type of equity release that helps you release tax-free cash to use now.

Take a minimum loan amount of £10,000
No need to make monthly interest payments
Option to apply for more money in the future

The loan is repaid in full, along with the interest, from the sale of the property when the last borrower dies or moves into long-term care. We also offer Inheritance Protection so you can secure a proportion of the net sale proceeds of your home for your beneficiaries. This will reduce the amount you can borrow.

Watch our View - 60 second TV ad for an overview of our Flexible Lifetime Mortgage.

Things to think about

Interest is charged on the loan plus any interest already added. This means the amount you owe will increase quickly over time.
A lifetime mortgage will reduce an inheritance and may affect your entitlement to means-tested benefits.
You can stay in your own home and you will never owe more than it's sold for (subject to terms and conditions).
If you give the money away, the recipient may have to pay inheritance tax in the future.
You may have cheaper ways to borrow money.

My lifetime mortgage calculator

Our free, easy-to-use equity release calculator will show you how much 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 maximum cash sum you may be able to release. The actual amount depends on your property and your individual circumstances. There are different ways to release the money depending on which of our products you choose. Speak to an adviser to find out more about our Lifetime Mortgages and which one could be right for you.

Did you know that the majority of our customers in 2018 received their money in less than eight weeks from applying?

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

They're a separate company who only advise on our Lifetime Mortgages and they won’t charge you an advice fee. They're not part of Legal & General. They can answer any questions you have about our products, check you’re eligible and arrange an appointment with an adviser, if you’d like one.

0808 302 6478

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

If you prefer, TRLA can call you. Simply request a call back by entering your details below.

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Our Lifetime Mortgages

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

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Read our free guide

Get a copy of our guide to lifetime mortgages

Please complete and submit the form below to receive a copy of our guide to lifetime mortgages through the post. There's also an option below to download a copy instantly too.

If you have any questions about our products and would like to speak to an adviser, you can call The Retirement Lending Advisers (TRLA) on the free phone number below. They're not part of Legal & General, they're a separate company who can only advise on our Lifetime Mortgages and they won’t charge you an advice fee.

0808 302 6478

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

Please give me a guide

If you’d like a copy of our guide through the post, please complete your full name and address. We’ll share these details with TRLA so they can send you your free guide. If you give us your phone number, TRLA will also contact you to answer any questions you may have.

Personal details

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Title

First name

Last name

Phone number

Complete if you’d like TRLA to contact you about lifetime mortgages.

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Complete if you’d like to hear more from us about our products and services. You’ll need to select the opt in box below as well.

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Would you also like updates from us?

Our promise is that we take your privacy seriously and will never share your personal details with anyone else for their own marketing purposes.

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Why choose Legal & General?

5-star products

Moneyfacts awarded our Lifetime Mortgages five stars in 2019.

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): Enjoy a more colourful retirement today with the help of your home.

Secondary male VO: Let me give you a hand.

Male VO: Sure. My shiny new kitchen? My home helped pay for it.

Onscreen text: Legal & General Lifetime Mortgages. A lifetime mortgage is a type of equity release.

legalandgeneral.com/lifetime 0808 278 7474

It’s a loan secured on your home, with no need to make monthly payments. May affect means-tested benefits and the size of your estate.

Female VO: My chance to see more of the world? My home helped pay for it.

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

Main VO: Are you a homeowner aged 55 or over? You could release a lump sum from your home with a Legal & General lifetime mortgage.

Female VO: My way of helping him buy a place of his own? My home helped pay for it. What do you think if we put it in the middle? Around the corner as well?

Onscreen text: You may have cheaper ways to borrow money.

Male VO: Yeah

Female VO: Are you happy?

Onscreen text: Amount released subject to individual circumstances.

If you give money away, the recipient may have to pay inheritance tax in the future.

Male VO: My daughter’s special day? My home helped pay for it.

Onscreen text: Interest continues to compound until the lifetime mortgage is repaid.

Main VO: To find out how one of our Lifetime Mortgages could help you enjoy your retirement that little bit more, call us today on 0808 278 7474 or go online.

Onscreen text: Available to those aged 55 or over. Arrangement fee may apply.

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

Onscreen text: For a more colourful retirement.

0808 278 7474 legalandgeneral.com/lifetime

Calls may be monitored and recorded.

Ready to find out more?

View - Watch our real life customer stories View - Read our six simple steps to a lifetime mortgage

Call The Retirement Lending Advisers on 0800 915 4735

If you’re ready to find out more, the next thing to do is speak to an adviser. If you don't already have one, we can help. We've chosen to work with The Retirement Lending Advisers (TRLA), a team of specialist advisers who can advise you in the comfort of your own home. And if a lifetime mortgage isn't right for you, they'll tell you that too.

TRLA aren’t part of Legal & General – they’re a separate company who only advise on our Lifetime Mortgages.

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