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Lifetime mortgages – interest only
Once you’ve found an interest only plan you like, you have several options. To find out more about it, click ‘More info’. To get a personalised quotation from your Equity Release Supermarket adviser, click ‘Get quote’.
Or to find interest only deals tailored just for you, click ’Get smartER’ and use our intelligent search engine.
| Provider | Product | Type | Rate | APR | Incentive | ||
|---|---|---|---|---|---|---|---|
|
Classic Super Lite | Fixed | 2.23% | 2.36% |
Yes
|
More info Get quote Get smartER | |
|
|
Classic Super Lite (fee free) | Fixed | 2.28% | 2.36% |
Yes
|
More info Get quote Get smartER | |
|
Flexi Choice Super Lite (fee free) | Fixed | 2.28% | 2.37% |
Yes
|
More info Get quote Get smartER | |
|
|
Flexi Choice Super Lite | Fixed | 2.23% | 2.38% |
Yes
|
More info Get quote Get smartER | |
|
|
Classic Lite | Fixed | 2.27% | 2.39% |
Yes
|
More info Get quote Get smartER | |
|
|
Classic Lite (fee free) | Fixed | 2.31% | 2.39% |
Yes
|
More info Get quote Get smartER | |
|
|
Premier Optional Payment Black | Fixed | 2.28% | 2.40% |
Yes
|
More info Get quote Get smartER | |
|
|
Optional Payment Pink | Fixed | 2.30% | 2.40% |
Yes
|
More info Get quote Get smartER | |
|
|
Flexi Choice Lite (fee free) | Fixed | 2.31% | 2.40% |
Yes
|
More info Get quote Get smartER | |
|
|
Premier Optional Payment Black (fee free) | Fixed | 2.32% | 2.40% |
Yes
|
More info Get quote Get smartER | |
|
|
Optional Payment Pink (fee free) | Fixed | 2.33% | 2.40% |
Yes
|
More info Get quote Get smartER | |
|
|
Flexi Choice Lite | Fixed | 2.27% | 2.42% |
Yes
|
More info Get quote Get smartER | |
|
|
Classic Lite Plus | Fixed | 2.38% | 2.48% |
Yes
|
More info Get quote Get smartER | |
|
|
Classic Lite Plus (fee free) | Fixed | 2.43% | 2.50% |
Yes
|
More info Get quote Get smartER | |
|
|
Optional Payment Orange | Fixed | 2.44% | 2.50% |
Yes
|
More info Get quote Get smartER | |
|
|
Capital Choice Super Lite | Fixed | 2.41% | 2.51% |
Yes
|
More info Get quote Get smartER | |
|
|
Flexi Choice Midi | Fixed | 2.38% | 2.53% |
Yes
|
More info Get quote Get smartER | |
|
|
Flexi Choice Midi (fee free) | Fixed | 2.43% | 2.53% |
Yes
|
More info Get quote Get smartER | |
|
|
Optional Payment Orange (fee free) | Fixed | 2.48% | 2.60% |
Yes
|
More info Get quote Get smartER | |
|
|
Optional Payment Pink (cashback 2%) | Fixed | 2.53% | 2.60% |
Yes
|
More info Get quote Get smartER | |
|
Just For You J1 | Fixed | 2.63% | 2.60% |
Yes
|
More info Get quote Get smartER | |
|
|
Classic Midi | Fixed | 2.54% | 2.65% |
Yes
|
More info Get quote Get smartER | |
|
|
Classic Midi (fee free) | Fixed | 2.58% | 2.66% |
Yes
|
More info Get quote Get smartER | |
|
|
Flexi Choice Extra (fee free) | Fixed | 2.58% | 2.68% |
Yes
|
More info Get quote Get smartER | |
|
|
Flexi Choice Extra | Fixed | 2.54% | 2.70% |
Yes
|
More info Get quote Get smartER | |
|
|
Optional Payment Yellow | Fixed | 2.60% | 2.70% |
Yes
|
More info Get quote Get smartER | |
|
|
Optional Payment Yellow (fee free) | Fixed | 2.64% | 2.70% |
Yes
|
More info Get quote Get smartER | |
|
|
Capital Choice Super Lite | Fixed | 2.61% | 2.71% |
Yes
|
More info Get quote Get smartER | |
|
|
Optional Payment Orange (cashback 2%) | Fixed | 2.68% | 2.80% |
Yes
|
More info Get quote Get smartER | |
|
|
Optional Payment Green | Fixed | 2.73% | 2.80% |
Yes
|
More info Get quote Get smartER | |
|
|
Optional Payment Green (fee free) | Fixed | 2.76% | 2.80% |
Yes
|
More info Get quote Get smartER | |
|
|
Classic Midi Plus (fee free) | Fixed | 2.75% | 2.82% |
Yes
|
More info Get quote Get smartER | |
|
|
Classic Midi Plus | Fixed | 2.73% | 2.84% |
Yes
|
More info Get quote Get smartER | |
|
|
Flexi Choice Plus (fee free) | Fixed | 2.75% | 2.85% |
Yes
|
More info Get quote Get smartER | |
|
|
Capital Choice Lite | Fixed | 2.76% | 2.87% |
Yes
|
More info Get quote Get smartER | |
|
|
Flexi Choice Plus | Fixed | 2.73% | 2.89% |
Yes
|
More info Get quote Get smartER | |
|
|
Optional Payment Turquoise | Fixed | 2.81% | 2.90% |
Yes
|
More info Get quote Get smartER | |
|
|
Optional Payment Yellow (cashback 2%) | Fixed | 2.83% | 2.90% |
Yes
|
More info Get quote Get smartER | |
|
|
Optional Payment Turquoise (fee free) | Fixed | 2.85% | 2.90% |
Yes
|
More info Get quote Get smartER | |
|
|
Classic Max | Fixed | 2.81% | 2.91% |
Yes
|
More info Get quote Get smartER | |
|
|
Classic Max (fee free) | Fixed | 2.84% | 2.91% |
Yes
|
More info Get quote Get smartER | |
|
|
Flexi Choice Max (fee free) | Fixed | 2.84% | 2.95% |
Yes
|
More info Get quote Get smartER | |
|
|
Capital Choice | Fixed | 2.85% | 2.96% |
Yes
|
More info Get quote Get smartER | |
|
|
Flexi Choice Max | Fixed | 2.81% | 2.97% |
Yes
|
More info Get quote Get smartER | |
|
|
Optional Payment Green (cashback 2%) | Fixed | 2.96% | 3.00% |
Yes
|
More info Get quote Get smartER | |
|
Capital Select Super Lite | Fixed | 3.05% | 3.10% |
Yes
|
More info Get quote Get smartER | |
|
|
Optional Payment Turquoise (cashback 2% | Fixed | 3.05% | 3.10% |
Yes
|
More info Get quote Get smartER | |
|
|
Capital Choice Lite | Fixed | 3.09% | 3.21% |
Yes
|
More info Get quote Get smartER | |
|
|
Capital Choice | Fixed | 3.10% | 3.22% |
Yes
|
More info Get quote Get smartER | |
|
|
Classic Max Plus | Fixed | 3.15% | 3.25% |
Yes
|
More info Get quote Get smartER | |
|
|
Classic Max Plus (fee free) | Fixed | 3.18% | 3.26% |
Yes
|
More info Get quote Get smartER | |
|
|
Flexi Choice Lump Sum Max (fee free) | Fixed | 3.18% | 3.29% |
Yes
|
More info Get quote Get smartER | |
|
|
Optional Payment Teal | Fixed | 3.20% | 3.30% |
Yes
|
More info Get quote Get smartER | |
|
|
Capital Select Lite | Fixed | 3.24% | 3.30% |
Yes
|
More info Get quote Get smartER | |
|
|
Optional Payment Teal (fee free) | Fixed | 3.24% | 3.30% |
Yes
|
More info Get quote Get smartER | |
|
|
Flexi Choice Lump Sum Max | Fixed | 3.15% | 3.32% |
Yes
|
More info Get quote Get smartER | |
|
|
Optional Payment Teal (cashback 2%) | Fixed | 3.44% | 3.50% |
Yes
|
More info Get quote Get smartER | |
|
|
Capital Choice Cashback 3% | Fixed | 3.45% | 3.58% |
Yes
|
More info Get quote Get smartER | |
|
|
Optional Payment Blue | Fixed | 3.42% | 3.60% |
Yes
|
More info Get quote Get smartER | |
|
|
Optional Payment Blue (fee free) | Fixed | 3.45% | 3.60% |
Yes
|
More info Get quote Get smartER | |
|
|
Optional Payment Blue (cashback 2%) | Fixed | 3.65% | 3.80% |
Yes
|
More info Get quote Get smartER | |
|
|
Capital Select Gold | Fixed | 3.73% | 3.80% |
Yes
|
More info Get quote Get smartER | |
|
|
Optional Payment Navy | Fixed | 3.72% | 3.90% |
Yes
|
More info Get quote Get smartER | |
|
|
Optional Payment Navy (fee free) | Fixed | 3.75% | 3.90% |
Yes
|
More info Get quote Get smartER | |
|
|
Heritage Freedom 40 | Fixed | 3.75% | 3.93% |
Yes
|
More info Get quote Get smartER | |
|
|
Capital Choice Plus | Fixed | 3.82% | 3.96% |
Yes
|
More info Get quote Get smartER | |
|
|
Maximum Choice Lite | Fixed | 3.83% | 3.96% |
Yes
|
More info Get quote Get smartER | |
|
|
Maximum Choice Lite | Fixed | 3.88% | 4.01% |
Yes
|
More info Get quote Get smartER | |
|
|
Capital Choice Plus | Fixed | 3.91% | 4.05% |
Yes
|
More info Get quote Get smartER | |
|
|
Optional Payment Navy (cashback 2%) | Fixed | 3.95% | 4.10% |
Yes
|
More info Get quote Get smartER | |
|
|
Heritage Freedom 40 Midi | Fixed | 3.97% | 4.16% |
Yes
|
More info Get quote Get smartER | |
|
Interest Payment Lite - 2 Yr Fixed | Fixed | 3.55% | 4.20% |
Yes
|
More info Get quote Get smartER | |
|
|
Interest Payment Lite | Variable | 4.00% | 4.30% |
Yes
|
More info Get quote Get smartER | |
|
|
Capital Select Gold Plus | Fixed | 4.30% | 4.40% |
Yes
|
More info Get quote Get smartER | |
|
|
Heritage Freedom 40 Plus | Fixed | 4.25% | 4.45% |
Yes
|
More info Get quote Get smartER | |
|
|
Optional Payment Indigo | Fixed | 4.32% | 4.50% |
Yes
|
More info Get quote Get smartER | |
|
|
Optional Payment Indigo (fee free) | Fixed | 4.36% | 4.50% |
Yes
|
More info Get quote Get smartER | |
|
|
Interest Payment Lite | Fixed | 4.34% | 4.60% |
Yes
|
More info Get quote Get smartER | |
|
|
Heritage Freedom 40 Max | Fixed | 4.41% | 4.62% |
Yes
|
More info Get quote Get smartER | |
|
|
Interest Payment Standard (2 Yr Fix) | Fixed | 4.20% | 4.70% |
Yes
|
More info Get quote Get smartER | |
|
|
Interest Payment Standard | Variable | 4.40% | 4.70% |
Yes
|
More info Get quote Get smartER | |
|
|
Optional Payment Indigo (cashback 2%) | Fixed | 4.55% | 4.70% |
Yes
|
More info Get quote Get smartER | |
|
|
Maximum Choice | Fixed | 4.62% | 4.78% |
Yes
|
More info Get quote Get smartER | |
|
|
Capital Choice Plus Cashback 3% | Fixed | 4.65% | 4.82% |
Yes
|
More info Get quote Get smartER | |
|
|
Maximum Choice | Fixed | 4.67% | 4.83% |
Yes
|
More info Get quote Get smartER | |
|
|
Interest Select Gold | Fixed | 4.74% | 4.90% |
Yes
|
More info Get quote Get smartER | |
|
|
Capital Select Platinum | Fixed | 4.88% | 5.00% |
Yes
|
More info Get quote Get smartER | |
|
|
Maximum Choice Plus | Fixed | 4.86% | 5.03% |
Yes
|
More info Get quote Get smartER | |
|
|
Maximum Choice Plus | Fixed | 4.91% | 5.08% |
Yes
|
More info Get quote Get smartER | |
|
|
Interest Payment Standard | Fixed | 4.79% | 5.10% |
Yes
|
More info Get quote Get smartER | |
|
|
Heritage Freedom 40 Max Plus | Fixed | 4.95% | 5.18% |
Yes
|
More info Get quote Get smartER | |
|
|
Optional Payment Violet | Fixed | 5.10% | 5.30% |
Yes
|
More info Get quote Get smartER | |
|
|
Optional Payment Violet (fees free) | Fixed | 5.14% | 5.30% |
Yes
|
More info Get quote Get smartER | |
|
|
Interest Select Platinum | Fixed | 5.21% | 5.40% |
Yes
|
More info Get quote Get smartER | |
|
|
Prime Choice | Fixed | 5.37% | 5.57% |
Yes
|
More info Get quote Get smartER | |
|
|
Prime Plus | Fixed | 5.60% | 5.82% |
Yes
|
More info Get quote Get smartER | |
|
|
Capital Select Platinum Plus | Fixed | 5.83% | 6.00% |
Yes
|
More info Get quote Get smartER | |
|
|
Prime Plus 3% Cashback | Fixed | 6.31% | 6.57% |
Yes
|
More info Get quote Get smartER | |
These are interest only lifetime mortgage schemes. To understand their features, benefits and risks, please contact Equity Release Supermarket for a personalised key facts Illustration. All interest only quotes can be tailored to your own circumstances and you are under no obligation to proceed.
What would you like to do next?
Classic Super Lite
- 2.23%
Continue to Adviser
Criteria
Age range
55
- 84
Plan Term
Lifetime
Minimum loan
Maximum loan
£10,000
£1,000,000
Property location
England
Scotland
Wales
Minimum valuation
Maximum valuation
£125,000
£2,000,000
Early Repayment Charges
Fixed - Yr 1 = 10%, Yr 2 = 9%, Yr 3 = 8%, Yr 4 = 7%, Yr 5 = 6%, Yr 6 = 5%, Yr 7 = 4%, Yr 8 = 3%, Yr 9 = 2%, Yr 10-15 = 1%, Yr 15+ = 0% of the amount repaid.
Lender Details
Fees
Valuation fee
FREE
Application fee
£500
Features
Drawdown facility
A cash reserve facility is provided by this lender, enabling access
to further cash withdrawals anytime in the future, if required.
3-Yr early repayment exemption
For joint applications, where one partner either dies or moves into care, the surviving partner has the option of repaying the loan penalty-free within 3 years of the event occurring.
Interest only
This plan allows you to repay the interest charged each month, thereby keeping the mortgage balance the same throughout the lifetime of the plan
Classic Super Lite (fee free)
- 2.28%
Continue to Adviser
Criteria
Age range
55
- 84
Plan Term
Lifetime
Minimum loan
Maximum loan
£10,000
£1,000,000
Property location
England
Scotland
Wales
Minimum valuation
Maximum valuation
£125,000
£2,000,000
Early Repayment Charges
Fixed - Yr 1 = 10%, Yr 2 = 9%, Yr 3 = 8%, Yr 4 = 7%, Yr 5 = 6%, Yr 6 = 5%, Yr 7 = 4%, Yr 8 = 3%, Yr 9 = 2%, Yr 10-15 = 1%, Yr 15+ = 0% of the amount repaid.
Lender Details
Fees
Valuation fee
FREE
Application fee
FREE
Features
Drawdown facility
A cash reserve facility is provided by this lender, enabling access
to further cash withdrawals anytime in the future, if required.
3-Yr early repayment exemption
For joint applications, where one partner either dies or moves into care, the surviving partner has the option of repaying the loan penalty-free within 3 years of the event occurring.
Interest only
This plan allows you to repay the interest charged each month, thereby keeping the mortgage balance the same throughout the lifetime of the plan
Flexi Choice Super Lite (fee free)
- 2.28%
Continue to Adviser
Criteria
Age range
55
- 84
Plan Term
Lifetime
Minimum loan
Maximum loan
£10,000
£1,000,000
Property location
England
Scotland
Wales
Minimum valuation
Maximum valuation
£150,000
£2,000,000
Early Repayment Charges
Fixed - Yr 1 = 10%, Yr 2 = 9%, Yr 3 = 8%, Yr 4 = 7%, Yr 5 = 6%, Yr 6 = 5%, Yr 7 = 4%, Yr 8 = 3%, Yr 9 = 2%, Yr 10-15 = 1%, Yr 15+ = 0% of the amount repaid.
Lender Details
Fees
Valuation fee
FREE
Application fee
FREE
Features
Drawdown facility
A cash reserve facility is provided by this lender, enabling access
to further cash withdrawals anytime in the future, if required.
3-Yr early repayment exemption
For joint applications, where one partner either dies or moves into care, the surviving partner has the option of repaying the loan penalty-free within 3 years of the event occurring.
Interest only
This plan allows you to repay the interest charged each month, thereby keeping the mortgage balance the same throughout the lifetime of the plan
Flexi Choice Super Lite
- 2.23%
Continue to Adviser
Criteria
Age range
55
- 84
Plan Term
Lifetime
Minimum loan
Maximum loan
£10,000
£1,000,000
Property location
England
Scotland
Wales
Minimum valuation
Maximum valuation
£150,000
£2,000,000
Early Repayment Charges
Fixed - Yr 1 = 10%, Yr 2 = 9%, Yr 3 = 8%, Yr 4 = 7%, Yr 5 = 6%, Yr 6 = 5%, Yr 7 = 4%, Yr 8 = 3%, Yr 9 = 2%, Yr 10-15 = 1%, Yr 15+ = 0% of the amount repaid.
Lender Details
Fees
Valuation fee
FREE
Application fee
£500
Features
Drawdown facility
A cash reserve facility is provided by this lender, enabling access
to further cash withdrawals anytime in the future, if required.
3-Yr early repayment exemption
For joint applications, where one partner either dies or moves into care, the surviving partner has the option of repaying the loan penalty-free within 3 years of the event occurring.
Interest only
This plan allows you to repay the interest charged each month, thereby keeping the mortgage balance the same throughout the lifetime of the plan
Classic Lite
- 2.27%
Continue to Adviser
Criteria
Age range
55
- 84
Plan Term
Lifetime
Minimum loan
Maximum loan
£10,000
£1,000,000
Property location
England
Scotland
Wales
Minimum valuation
Maximum valuation
£125,000
£2,000,000
Early Repayment Charges
Fixed - Yr 1 = 10%, Yr 2 = 9%, Yr 3 = 8%, Yr 4 = 7%, Yr 5 = 6%, Yr 6 = 5%, Yr 7 = 4%, Yr 8 = 3%, Yr 9 = 2%, Yr 10-15 = 1%, Yr 15+ = 0% of the amount repaid.
Lender Details
Fees
Valuation fee
FREE
Application fee
£500
Features
Drawdown facility
A cash reserve facility is provided by this lender, enabling access
to further cash withdrawals anytime in the future, if required.
3-Yr early repayment exemption
For joint applications, where one partner either dies or moves into care, the surviving partner has the option of repaying the loan penalty-free within 3 years of the event occurring.
Interest only
This plan allows you to repay the interest charged each month, thereby keeping the mortgage balance the same throughout the lifetime of the plan
Classic Lite (fee free)
- 2.31%
Continue to Adviser
Criteria
Age range
55
- 84
Plan Term
Lifetime
Minimum loan
Maximum loan
£10,000
£1,000,000
Property location
England
Scotland
Wales
Minimum valuation
Maximum valuation
£125,000
£2,000,000
Early Repayment Charges
Fixed - Yr 1 = 10%, Yr 2 = 9%, Yr 3 = 8%, Yr 4 = 7%, Yr 5 = 6%, Yr 6 = 5%, Yr 7 = 4%, Yr 8 = 3%, Yr 9 = 2%, Yr 10-15 = 1%, Yr 15+ = 0% of the amount repaid.
Lender Details
Fees
Valuation fee
FREE
Application fee
FREE
Features
Drawdown facility
A cash reserve facility is provided by this lender, enabling access
to further cash withdrawals anytime in the future, if required.
3-Yr early repayment exemption
For joint applications, where one partner either dies or moves into care, the surviving partner has the option of repaying the loan penalty-free within 3 years of the event occurring.
Interest only
This plan allows you to repay the interest charged each month, thereby keeping the mortgage balance the same throughout the lifetime of the plan
Premier Optional Payment Black
- 2.28%
Continue to Adviser
Criteria
Age range
55
- 90
Plan Term
Lifetime
Minimum loan
Maximum loan
£100,000
£2,000,000
Property location
England
Scotland
Wales
Minimum valuation
Maximum valuation
£100,000
£4,000,000
Early Repayment Charges
Linked to FTSE UK Gilts 15 Year Yield Index - variable penalty capped at 25% of amount drawn
Lender Details
Fees
Valuation fee
FREE
Application fee
£599
Features
Drawdown facility
A cash reserve facility is provided by this lender, enabling access
to further cash withdrawals anytime in the future, if required.
3-Yr early repayment exemption
For joint applications, where one partner either dies or moves into care, the surviving partner has the option of repaying the loan penalty-free within 3 years of the event occurring.
Inheritance protection
Is the ability to protect a percentage of the value of your property upon sale, thus ensuring an inheritance is passed onto your beneficiaries.
Interest only
This plan allows you to repay the interest charged each month, thereby keeping the mortgage balance the same throughout the lifetime of the plan
Optional Payment Pink
- 2.30%
Continue to Adviser
Criteria
Age range
55
- 90
Plan Term
Lifetime
Minimum loan
Maximum loan
£10,000
£750,000
Property location
England
Scotland
Wales
Minimum valuation
Maximum valuation
£100,000
£4,000,000
Early Repayment Charges
Linked to FTSE UK Gilts 15 Year Yield Index - variable penalty capped at 25% of amount drawn
Lender Details
Fees
Valuation fee
FREE
Application fee
£599
Features
Drawdown facility
A cash reserve facility is provided by this lender, enabling access
to further cash withdrawals anytime in the future, if required.
3-Yr early repayment exemption
For joint applications, where one partner either dies or moves into care, the surviving partner has the option of repaying the loan penalty-free within 3 years of the event occurring.
Inheritance protection
Is the ability to protect a percentage of the value of your property upon sale, thus ensuring an inheritance is passed onto your beneficiaries.
Interest only
This plan allows you to repay the interest charged each month, thereby keeping the mortgage balance the same throughout the lifetime of the plan
Flexi Choice Lite (fee free)
- 2.31%
Continue to Adviser
Criteria
Age range
55
- 84
Plan Term
Lifetime
Minimum loan
Maximum loan
£10,000
£1,000,000
Property location
England
Scotland
Wales
Minimum valuation
Maximum valuation
£150,000
£2,000,000
Early Repayment Charges
Fixed - Yr 1 = 10%, Yr 2 = 9%, Yr 3 = 8%, Yr 4 = 7%, Yr 5 = 6%, Yr 6 = 5%, Yr 7 = 4%, Yr 8 = 3%, Yr 9 = 2%, Yr 10-15 = 1%, Yr 15+ = 0% of the amount repaid.
Lender Details
Fees
Valuation fee
FREE
Application fee
FREE
Features
Drawdown facility
A cash reserve facility is provided by this lender, enabling access
to further cash withdrawals anytime in the future, if required.
3-Yr early repayment exemption
For joint applications, where one partner either dies or moves into care, the surviving partner has the option of repaying the loan penalty-free within 3 years of the event occurring.
Interest only
This plan allows you to repay the interest charged each month, thereby keeping the mortgage balance the same throughout the lifetime of the plan
Premier Optional Payment Black (fee free)
- 2.32%
Continue to Adviser
Criteria
Age range
55
- 90
Plan Term
Lifetime
Minimum loan
Maximum loan
£100,000
£2,000,000
Property location
England
Scotland
Wales
Minimum valuation
Maximum valuation
£100,000
£4,000,000
Early Repayment Charges
Linked to FTSE UK Gilts 15 Year Yield Index - variable penalty capped at 25% of amount drawn
Lender Details
Fees
Valuation fee
FREE
Application fee
FREE
Features
Drawdown facility
A cash reserve facility is provided by this lender, enabling access
to further cash withdrawals anytime in the future, if required.
3-Yr early repayment exemption
For joint applications, where one partner either dies or moves into care, the surviving partner has the option of repaying the loan penalty-free within 3 years of the event occurring.
Inheritance protection
Is the ability to protect a percentage of the value of your property upon sale, thus ensuring an inheritance is passed onto your beneficiaries.
Interest only
This plan allows you to repay the interest charged each month, thereby keeping the mortgage balance the same throughout the lifetime of the plan
Optional Payment Pink (fee free)
- 2.33%
Continue to Adviser
Criteria
Age range
55
- 90
Plan Term
Lifetime
Minimum loan
Maximum loan
£10,000
£750,000
Property location
England
Scotland
Wales
Minimum valuation
Maximum valuation
£100,000
£4,000,000
Early Repayment Charges
Linked to FTSE UK Gilts 15 Year Yield Index - variable penalty capped at 25% of amount drawn
Lender Details
Fees
Valuation fee
FREE
Application fee
FREE
Features
Drawdown facility
A cash reserve facility is provided by this lender, enabling access
to further cash withdrawals anytime in the future, if required.
3-Yr early repayment exemption
For joint applications, where one partner either dies or moves into care, the surviving partner has the option of repaying the loan penalty-free within 3 years of the event occurring.
Inheritance protection
Is the ability to protect a percentage of the value of your property upon sale, thus ensuring an inheritance is passed onto your beneficiaries.
Interest only
This plan allows you to repay the interest charged each month, thereby keeping the mortgage balance the same throughout the lifetime of the plan
Flexi Choice Lite
- 2.27%
Continue to Adviser
Criteria
Age range
55
- 84
Plan Term
Lifetime
Minimum loan
Maximum loan
£10,000
£1,000,000
Property location
England
Scotland
Wales
Minimum valuation
Maximum valuation
£150,000
£2,000,000
Early Repayment Charges
Fixed - Yr 1 = 10%, Yr 2 = 9%, Yr 3 = 8%, Yr 4 = 7%, Yr 5 = 6%, Yr 6 = 5%, Yr 7 = 4%, Yr 8 = 3%, Yr 9 = 2%, Yr 10-15 = 1%, Yr 15+ = 0% of the amount repaid.
Lender Details
Fees
Valuation fee
FREE
Application fee
£500
Features
Drawdown facility
A cash reserve facility is provided by this lender, enabling access
to further cash withdrawals anytime in the future, if required.
3-Yr early repayment exemption
For joint applications, where one partner either dies or moves into care, the surviving partner has the option of repaying the loan penalty-free within 3 years of the event occurring.
Interest only
This plan allows you to repay the interest charged each month, thereby keeping the mortgage balance the same throughout the lifetime of the plan
Classic Lite Plus
- 2.38%
Continue to Adviser
Criteria
Age range
55
- 84
Plan Term
Lifetime
Minimum loan
Maximum loan
£10,000
£1,000,000
Property location
Scotland
Wales
England
Minimum valuation
Maximum valuation
£125,000
£2,000,000
Early Repayment Charges
Fixed - Yr 1 = 10%, Yr 2 = 9%, Yr 3 = 8%, Yr 4 = 7%, Yr 5 = 6%, Yr 6 = 5%, Yr 7 = 4%, Yr 8 = 3%, Yr 9 = 2%, Yr 10-15 = 1%, Yr 15+ = 0% of the amount repaid.
Lender Details
Fees
Valuation fee
FREE
Application fee
£500
Features
Drawdown facility
A cash reserve facility is provided by this lender, enabling access
to further cash withdrawals anytime in the future, if required.
3-Yr early repayment exemption
For joint applications, where one partner either dies or moves into care, the surviving partner has the option of repaying the loan penalty-free within 3 years of the event occurring.
Interest only
This plan allows you to repay the interest charged each month, thereby keeping the mortgage balance the same throughout the lifetime of the plan
Classic Lite Plus (fee free)
- 2.43%
Continue to Adviser
Criteria
Age range
55
- 84
Plan Term
Lifetime
Minimum loan
Maximum loan
£10,000
£1,000,000
Property location
England
Scotland
Wales
Minimum valuation
Maximum valuation
£125,000
£2,000,000
Early Repayment Charges
Fixed - Yr 1 = 10%, Yr 2 = 9%, Yr 3 = 8%, Yr 4 = 7%, Yr 5 = 6%, Yr 6 = 5%, Yr 7 = 4%, Yr 8 = 3%, Yr 9 = 2%, Yr 10-15 = 1%, Yr 15+ = 0% of the amount repaid.
Lender Details
Fees
Valuation fee
FREE
Application fee
FREE
Features
Drawdown facility
A cash reserve facility is provided by this lender, enabling access
to further cash withdrawals anytime in the future, if required.
3-Yr early repayment exemption
For joint applications, where one partner either dies or moves into care, the surviving partner has the option of repaying the loan penalty-free within 3 years of the event occurring.
Interest only
This plan allows you to repay the interest charged each month, thereby keeping the mortgage balance the same throughout the lifetime of the plan
Optional Payment Orange
- 2.44%
Continue to Adviser
Criteria
Age range
55
- 90
Plan Term
Lifetime
Minimum loan
Maximum loan
£10,000
£750,000
Property location
England
Scotland
Wales
Minimum valuation
Maximum valuation
£100,000
£4,000,000
Early Repayment Charges
Linked to FTSE UK Gilts 15 Year Yield Index - variable penalty capped at 25% of amount drawn
Lender Details
Fees
Valuation fee
FREE
Application fee
£599
Features
Drawdown facility
A cash reserve facility is provided by this lender, enabling access
to further cash withdrawals anytime in the future, if required.
3-Yr early repayment exemption
For joint applications, where one partner either dies or moves into care, the surviving partner has the option of repaying the loan penalty-free within 3 years of the event occurring.
Inheritance protection
Is the ability to protect a percentage of the value of your property upon sale, thus ensuring an inheritance is passed onto your beneficiaries.
Interest only
This plan allows you to repay the interest charged each month, thereby keeping the mortgage balance the same throughout the lifetime of the plan
Capital Choice Super Lite
- 2.41%
Continue to Adviser
Criteria
Age range
55
- 95
Plan Term
Lifetime
Minimum loan
Maximum loan
£10,000
£1,500,000
Property location
England
Scotland
Wales
Minimum valuation
Maximum valuation
£100,000
£5,000,000
Early Repayment Charges
Fixed - Yrs 1-5 = 5%, Yrs 6-10 = 3%, Yr 11+ = 0% of the amount repaid.
Lender Details
Fees
Valuation fee
FREE
Application fee
FREE
Features
3-Yr early repayment exemption
For joint applications, where one partner either dies or moves into care, the surviving partner has the option of repaying the loan penalty-free within 3 years of the event occurring.
Inheritance protection
Is the ability to protect a percentage of the value of your property upon sale, thus ensuring an inheritance is passed onto your beneficiaries.
Interest only
This plan allows you to repay the interest charged each month, thereby keeping the mortgage balance the same throughout the lifetime of the plan
Flexi Choice Midi
- 2.38%
Continue to Adviser
Criteria
Age range
55
- 84
Plan Term
Lifetime
Minimum loan
Maximum loan
£10,000
£1,000,000
Property location
England
Scotland
Wales
Minimum valuation
Maximum valuation
£150,000
£2,000,000
Early Repayment Charges
Fixed - Yr 1 = 10%, Yr 2 = 9%, Yr 3 = 8%, Yr 4 = 7%, Yr 5 = 6%, Yr 6 = 5%, Yr 7 = 4%, Yr 8 = 3%, Yr 9 = 2%, Yr 10-15 = 1%, Yr 15+ = 0% of the amount repaid.
Lender Details
Fees
Valuation fee
FREE
Application fee
£500
Features
Drawdown facility
A cash reserve facility is provided by this lender, enabling access
to further cash withdrawals anytime in the future, if required.
3-Yr early repayment exemption
For joint applications, where one partner either dies or moves into care, the surviving partner has the option of repaying the loan penalty-free within 3 years of the event occurring.
Interest only
This plan allows you to repay the interest charged each month, thereby keeping the mortgage balance the same throughout the lifetime of the plan
Flexi Choice Midi (fee free)
- 2.43%
Continue to Adviser
Criteria
Age range
55
- 84
Plan Term
Lifetime
Minimum loan
Maximum loan
£10,000
£1,000,000
Property location
England
Scotland
Wales
Minimum valuation
Maximum valuation
£150,000
£2,000,000
Early Repayment Charges
Fixed - Yr 1 = 10%, Yr 2 = 9%, Yr 3 = 8%, Yr 4 = 7%, Yr 5 = 6%, Yr 6 = 5%, Yr 7 = 4%, Yr 8 = 3%, Yr 9 = 2%, Yr 10-15 = 1%, Yr 15+ = 0% of the amount repaid.
Lender Details
Fees
Valuation fee
FREE
Application fee
FREE
Features
Drawdown facility
A cash reserve facility is provided by this lender, enabling access
to further cash withdrawals anytime in the future, if required.
3-Yr early repayment exemption
For joint applications, where one partner either dies or moves into care, the surviving partner has the option of repaying the loan penalty-free within 3 years of the event occurring.
Interest only
This plan allows you to repay the interest charged each month, thereby keeping the mortgage balance the same throughout the lifetime of the plan
Optional Payment Orange (fee free)
- 2.48%
Continue to Adviser
Criteria
Age range
55
- 90
Plan Term
Lifetime
Minimum loan
Maximum loan
£10,000
£750,000
Property location
England
Scotland
Wales
Minimum valuation
Maximum valuation
£100,000
£4,000,000
Early Repayment Charges
Linked to FTSE UK Gilts 15 Year Yield Index - variable penalty capped at 25% of amount drawn
Lender Details
Fees
Valuation fee
FREE
Application fee
FREE
Features
Drawdown facility
A cash reserve facility is provided by this lender, enabling access
to further cash withdrawals anytime in the future, if required.
3-Yr early repayment exemption
For joint applications, where one partner either dies or moves into care, the surviving partner has the option of repaying the loan penalty-free within 3 years of the event occurring.
Inheritance protection
Is the ability to protect a percentage of the value of your property upon sale, thus ensuring an inheritance is passed onto your beneficiaries.
Interest only
This plan allows you to repay the interest charged each month, thereby keeping the mortgage balance the same throughout the lifetime of the plan
Optional Payment Pink (cashback 2%)
- 2.53%
Continue to Adviser
Criteria
Age range
55
- 90
Plan Term
Lifetime
Minimum loan
Maximum loan
£10,000
£750,000
Property location
England
Wales
Scotland
Minimum valuation
Maximum valuation
£100,000
£4,000,000
Early Repayment Charges
Linked to FTSE UK Gilts 15 Year Yield Index - variable penalty capped at 25% of amount drawn
Lender Details
Fees
Valuation fee
FREE
Application fee
FREE
Features
Drawdown facility
A cash reserve facility is provided by this lender, enabling access
to further cash withdrawals anytime in the future, if required.
3-Yr early repayment exemption
For joint applications, where one partner either dies or moves into care, the surviving partner has the option of repaying the loan penalty-free within 3 years of the event occurring.
Inheritance protection
Is the ability to protect a percentage of the value of your property upon sale, thus ensuring an inheritance is passed onto your beneficiaries.
Interest only
This plan allows you to repay the interest charged each month, thereby keeping the mortgage balance the same throughout the lifetime of the plan
Just For You J1
- 2.63%
Continue to Adviser
Criteria
Age range
55
- 100
Plan Term
Lifetime
Minimum loan
Maximum loan
£20,000
£800,000
Property location
England
Scotland
Wales
N. Ireland
Minimum valuation
Maximum valuation
£70,000
Unlimited
Early Repayment Charges
Linked to FTSE UK Gilts 15 Year Yield Index - variable penalty capped at 20% of each advance
Lender Details
Fees
Valuation fee
FREE
Application fee
FREE
Features
3-Yr early repayment exemption
For joint applications, where one partner either dies or moves into care, the surviving partner has the option of repaying the loan penalty-free within 3 years of the event occurring.
Interest only
This plan allows you to repay the interest charged each month, thereby keeping the mortgage balance the same throughout the lifetime of the plan
Classic Midi
- 2.54%
Continue to Adviser
Criteria
Age range
55
- 84
Plan Term
Lifetime
Minimum loan
Maximum loan
£10,000
£1,000,000
Property location
England
Scotland
Wales
Minimum valuation
Maximum valuation
£125,000
£2,000,000
Early Repayment Charges
Fixed - Yr 1 = 10%, Yr 2 = 9%, Yr 3 = 8%, Yr 4 = 7%, Yr 5 = 6%, Yr 6 = 5%, Yr 7 = 4%, Yr 8 = 3%, Yr 9 = 2%, Yr 10-15 = 1%, Yr 15+ = 0% of the amount repaid.
Lender Details
Fees
Valuation fee
FREE
Application fee
£500
Features
Drawdown facility
A cash reserve facility is provided by this lender, enabling access
to further cash withdrawals anytime in the future, if required.
3-Yr early repayment exemption
For joint applications, where one partner either dies or moves into care, the surviving partner has the option of repaying the loan penalty-free within 3 years of the event occurring.
Interest only
This plan allows you to repay the interest charged each month, thereby keeping the mortgage balance the same throughout the lifetime of the plan
Classic Midi (fee free)
- 2.58%
Continue to Adviser
Criteria
Age range
55
- 84
Plan Term
Lifetime
Minimum loan
Maximum loan
£10,000
£1,000,000
Property location
England
Scotland
Wales
Minimum valuation
Maximum valuation
£125,000
£2,000,000
Early Repayment Charges
Fixed - Yr 1 = 10%, Yr 2 = 9%, Yr 3 = 8%, Yr 4 = 7%, Yr 5 = 6%, Yr 6 = 5%, Yr 7 = 4%, Yr 8 = 3%, Yr 9 = 2%, Yr 10-15 = 1%, Yr 15+ = 0% of the amount repaid.
Lender Details
Fees
Valuation fee
FREE
Application fee
FREE
Features
Drawdown facility
A cash reserve facility is provided by this lender, enabling access
to further cash withdrawals anytime in the future, if required.
3-Yr early repayment exemption
For joint applications, where one partner either dies or moves into care, the surviving partner has the option of repaying the loan penalty-free within 3 years of the event occurring.
Interest only
This plan allows you to repay the interest charged each month, thereby keeping the mortgage balance the same throughout the lifetime of the plan
Flexi Choice Extra (fee free)
- 2.58%
Continue to Adviser
Criteria
Age range
55
- 84
Plan Term
Lifetime
Minimum loan
Maximum loan
£10,000
£1,000,000
Property location
England
Scotland
Wales
Minimum valuation
Maximum valuation
£150,000
£2,000,000
Early Repayment Charges
Fixed - Yr 1 = 10%, Yr 2 = 9%, Yr 3 = 8%, Yr 4 = 7%, Yr 5 = 6%, Yr 6 = 5%, Yr 7 = 4%, Yr 8 = 3%, Yr 9 = 2%, Yr 10-15 = 1%, Yr 15+ = 0% of the amount repaid.
Lender Details
Fees
Valuation fee
FREE
Application fee
FREE
Features
Drawdown facility
A cash reserve facility is provided by this lender, enabling access
to further cash withdrawals anytime in the future, if required.
3-Yr early repayment exemption
For joint applications, where one partner either dies or moves into care, the surviving partner has the option of repaying the loan penalty-free within 3 years of the event occurring.
Interest only
This plan allows you to repay the interest charged each month, thereby keeping the mortgage balance the same throughout the lifetime of the plan
Flexi Choice Extra
- 2.54%
Continue to Adviser
Criteria
Age range
55
- 84
Plan Term
Lifetime
Minimum loan
Maximum loan
£10,000
£1,000,000
Property location
England
Scotland
Wales
Minimum valuation
Maximum valuation
£125,000
£2,000,000
Early Repayment Charges
Fixed - Yr 1 = 10%, Yr 2 = 9%, Yr 3 = 8%, Yr 4 = 7%, Yr 5 = 6%, Yr 6 = 5%, Yr 7 = 4%, Yr 8 = 3%, Yr 9 = 2%, Yr 10-15 = 1%, Yr 15+ = 0% of the amount repaid.
Lender Details
Fees
Valuation fee
FREE
Application fee
£500
Features
Drawdown facility
A cash reserve facility is provided by this lender, enabling access
to further cash withdrawals anytime in the future, if required.
3-Yr early repayment exemption
For joint applications, where one partner either dies or moves into care, the surviving partner has the option of repaying the loan penalty-free within 3 years of the event occurring.
Interest only
This plan allows you to repay the interest charged each month, thereby keeping the mortgage balance the same throughout the lifetime of the plan