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For clients who wish to release some equity from their home now and in the future

Flexible Lifetime Mortgage

Flexible Lifetime Mortgage options

Our Flexible Lifetime Mortgage has a number of options to suit your client's needs as shown below.

Single borrower

  • If your client lives alone, they can apply for a single borrower Flexible Lifetime Mortgage
  • The loan will need to repaid on your client's death, or when they move into permanent residential care

Joint borrowers

  • If your client is living with their partner, civil partner or spouse, they'll both need to be named on the property deeds and in their Flexible Lifetime Mortgage application
  • The loan will need to be repaid on the second borrower's death or when they move into permanent residential care

Further withdrawals

  • Your client can choose an initial amount to borrow, and at the same time set up a maximum loan to draw from in the future
  • Your client can take withdrawals of £2,000 up to their maximum loan amount when needed
  • Your client may also be able to increase this maximum loan amount

If your client needs a lump sum payment, but doesn’t need the guarantee of further withdrawals, a Lifetime Mortgage Lump Sum+ may be more suited to your client’s needs.

Read more about our Lifetime Mortgage - Lump Sum+.

0800 028 8974

TextDirect: first dial 18001

8.30am - 5.30pm Monday - Friday

We will record and/or monitor calls for training and audit purposes.


Our awards

Financial Adviser 5 Star Service Awards for the last three years – Mortgage Lenders and Packagers

Our ratings

Moneyfacts 2019 annual assessment of the equity release market:

  • 5 Star Flexible Lifetime Mortgage
  • 4 Star Lifetime Mortgage Lump Sum+
Moneyfacts 2019 Equity Release 5 star logo
Moneyfacts 2019 Equity Release 4 star logo

Defaqto 2019 annual assessment of the equity release market:

  • 5 Star Flexible Lifetime Mortgage
  • 5 Star Lifetime Mortgage Lump Sum+
Defaqto Equity Release 5 star logo

This means that if you're advising consumers on our equity release products, we have a high rating for the quality of our product features.

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Lifetime Mortgage

If your client doesn't need the guarantee of borrowing more in the future.

More on our Lifetime Mortgage

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By working with us, you will get the support you can expect from a respected provider.

View the support available to you

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We've won a range of awards for the service and quality of our Equity Release products.

More on the awards we've won

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Contact us

Find your dedicated support for quotes, help and product information

Contact our equity release specialists

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LV=, County Gates, Bournemouth, BH1 2NF, UK