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