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

Flexible Lifetime Mortgage

Great reasons to choose LV=

Remaining at home

LV= guarantee that your client can stay in their home for as long as they wish, as long as the terms and conditions of the mortgage are met (such as keeping their house in a good state of repair, and insuring it). If your client decides to move house, they can transfer the mortgage to the new property (as long as it meets our lending criteria at that time).

More on remaining at home

No Negative Equity Guarantee

All LV= lifetime mortgages include a 'No Negative Equity Guarantee'. This means that even if the future of your client's home is less than the amount they owe, their estate will never be left with a debt from their lifetime mortgage when they die or go into long term care.

Online age checking

We know that getting all the paperwork needed can be a hassle for both you and your clients. So we’re delighted to announce that when you apply for selected products, we’ll check your client’s name and date of birth using online information agencies. This means we’ll no longer automatically ask you to provide suitable proof of age when you apply.

Where we’re unable to check your client’s details online, we’ll ask for a copy of their original birth certificate, or a certified copy of their passport or photo-card driving licence.

Dedicated support team

Our team in Hitchin have specialised in Equity Release since 2002 and will ensure your client's application goes as smoothly as possible.

Member of the Equity Release Council

The Equity Release Council incorporates the Safe Home Income Plans (SHIP) standards as part of the SHIP Standards Board, which aims to protect your clients through their code of conduct.

We're a member and we therefore offer additional features and safeguards to our lifetime mortgage products.

Read more about the Equity Release Council

We're a mutual, not a PLC

As a mutual, we don't have to answer to external shareholders - so we can concentrate on looking after you and your clients.

We're award-winning too...

LV= has a well-established brand that goes from strength to strength and we are attracting increasing recognition and awareness across consumers and the introducer community, including:

Gold Standard Awards 2016

Gold Standard Awards 2016 Retirement

Gold Standard Awards 2016

Gold Standard Awards 2016 Personal Pensions

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

Awards icon


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

Connect with us

About retirement

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