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Allows your client to release a sum of money against the value of their home, whilst continuing to live in it

Lifetime Mortgage - Lump Sum+

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 value 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

When you apply for our Lifetime Mortgage - Lump Sum+, we'll use online information agencies to check your client's age online. This means that for approximately 92% of UK based clients, advisers wouldn't need to provide suitable evidence of age.

(Based on 100 client applications submitted before online date of birth verification. Four were excluded as the clients lived abroad. 89 were verified successfully online).

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.

See our Awards page.

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 2020 annual assessment of the equity release market:

  • 5 Star Flexible Lifetime Mortgage
  • 4 Star Lifetime Mortgage Lump Sum+
Moneyfacts 2020 Equity Release 5 star logo
Moneyfacts 2020 Equity Release 4 star logo

Defaqto 2020 annual assessment of the equity release market:

  • 5 Star Flexible Lifetime Mortgage
  • 5 Star Lifetime Mortgage Lump Sum+
Defaqto Equity Release 5 star logo
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Need to borrow more?

Our Flexible Lifetime Mortgage gives your client the option to borrow more in the future.

More on our Flexible 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 experts

Connect with us

About retirement

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Liverpool Victoria Financial Services Limited, registered in England with registration number 12383237. County Gates, Bournemouth, BH1 2NF, UK