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Flexible retirement with interest-only mortgages

Drinking wine in the kitchen next to a bowl of fruit. Lovely pendant light hanging above

Our mortgages at a glance

  • Short term 5 and 7 year fixed interest rate options

  • Longer term 10 year and 20 year

  • Lifetime fixed rate options

  • LTVs up to 75%

  • Minimum age at application 55. No maximum age

  • Maximum loan £1,250,000. No maximum property value

  • Straightforward early repayment charges (ERC). Plus we will not charge an ERC if your client needs to redeem the loan earlier than expected due to death of a partner, or move into long term care.

  • 10% annual repayment allowance, free of any ERC

  • 6-month payment break option may be offered upon request, when your client finds themselves in financial difficulty due to an unexpected change in circumstances

  • Any suitable asset or whole of life product can be used to mitigate the first death stress test, making a retirement interest-only mortgage more affordable to your clients

Our Documents

View or download our product guides, lending criteria and other useful information.