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Lifetime mortgages – lump sum
Once you’ve found a lump sum 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 lump sum deals tailored just for you, click ’Get smartER’ and use our intelligent search engine.
| Provider | Product | Type | Rate | APR | Incentive | ||
|---|---|---|---|---|---|---|---|
|
Classic Super Lite | Fixed | 2.22% | 2.35% |
Yes
|
More info Get quote Get smartER | |
|
|
Classic Super Lite (fee free) | Fixed | 2.27% | 2.35% |
Yes
|
More info Get quote Get smartER | |
|
Flexi Choice Super Lite (fee free) | Fixed | 2.27% | 2.36% |
Yes
|
More info Get quote Get smartER | |
|
|
Flexi Choice Super Lite | Fixed | 2.22% | 2.37% |
Yes
|
More info Get quote Get smartER | |
|
|
Classic Lite | Fixed | 2.26% | 2.38% |
Yes
|
More info Get quote Get smartER | |
|
|
Classic Lite (fee free) | Fixed | 2.30% | 2.38% |
Yes
|
More info Get quote Get smartER | |
|
|
Flexi Choice Lite (fee free) | Fixed | 2.30% | 2.39% |
Yes
|
More info Get quote Get smartER | |
|
|
Flexi Choice Lite | Fixed | 2.26% | 2.41% |
Yes
|
More info Get quote Get smartER | |
|
|
Sovereign A | Fixed | 2.25% | 2.43% |
Yes
|
More info Get quote Get smartER | |
|
|
Classic Lite Plus | Fixed | 2.37% | 2.47% |
Yes
|
More info Get quote Get smartER | |
|
|
Classic Lite Plus (fee free) | Fixed | 2.42% | 2.49% |
Yes
|
More info Get quote Get smartER | |
|
Lump Sum+ Lite (fee free) | Fixed | 2.46% | 2.50% |
Yes
|
More info Get quote Get smartER | |
|
Lifetime Mortgage LS1 | Fixed | 2.46% | 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 | 2.37% | 2.52% |
Yes
|
More info Get quote Get smartER | |
|
|
Flexi Choice Midi (fee free) | Fixed | 2.42% | 2.52% |
Yes
|
More info Get quote Get smartER | |
|
|
Sovereign A (Fees Package) | Fixed | 2.55% | 2.53% |
Yes
|
More info Get quote Get smartER | |
|
|
Lump Sum+ (fee free) | Fixed | 2.57% | 2.60% |
Yes
|
More info Get quote Get smartER | |
|
|
Classic Midi | Fixed | 2.50% | 2.61% |
Yes
|
More info Get quote Get smartER | |
|
|
Classic Midi (fee free) | Fixed | 2.54% | 2.61% |
Yes
|
More info Get quote Get smartER | |
|
|
Sovereign B | Fixed | 2.44% | 2.63% |
Yes
|
More info Get quote Get smartER | |
|
|
Flexi Choice Extra (fee free) | Fixed | 2.54% | 2.64% |
Yes
|
More info Get quote Get smartER | |
|
|
Flexi Choice Extra | Fixed | 2.50% | 2.65% |
Yes
|
More info Get quote Get smartER | |
|
Lifestyle Lite | Fixed | 2.55% | 2.70% |
Yes
|
More info Get quote Get smartER | |
|
|
Lifetime Mortgage LS2 | Fixed | 2.63% | 2.70% |
Yes
|
More info Get quote Get smartER | |
|
|
Sovereign B (Fees Package) | Fixed | 2.74% | 2.72% |
Yes
|
More info Get quote Get smartER | |
|
|
Sovereign Elite A | Fixed | 2.75% | 2.80% |
Yes
|
More info Get quote Get smartER | |
|
|
Lifetime Mortgage LS3 | Fixed | 2.81% | 2.80% |
Yes
|
More info Get quote Get smartER | |
|
Just For You J1 | Fixed | 2.84% | 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 | |
|
|
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 | |
|
|
Sovereign C | Fixed | 2.74% | 2.93% |
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 | |
|
|
Sovereign Elite B | Fixed | 2.94% | 2.99% |
Yes
|
More info Get quote Get smartER | |
|
|
Sovereign C (Fees Package) | Fixed | 3.04% | 3.03% |
Yes
|
More info Get quote Get smartER | |
|
|
Lifestyle Gold | Fixed | 2.90% | 3.05% |
Yes
|
More info Get quote Get smartER | |
|
|
Capital Select Super Lite | Fixed | 2.95% | 3.07% |
Yes
|
More info Get quote Get smartER | |
|
|
Lifetime Mortgage LS4 | Fixed | 3.15% | 3.20% |
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 | |
|
|
Sovereign Elite C | Fixed | 3.24% | 3.30% |
Yes
|
More info Get quote Get smartER | |
|
|
Capital Select Lite | 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 | |
|
Lump Sum Max Enhanced | Fixed | 3.24% | 3.33% | No | More info Get quote Get smartER | |
|
|
Capital Select Super Lite Cashback (3%) | Fixed | 3.25% | 3.38% |
Yes
|
More info Get quote Get smartER | |
|
|
Lifetime Mortgage LS5 | Fixed | 3.39% | 3.40% |
Yes
|
More info Get quote Get smartER | |
|
|
Tailored Lifetime 1 - (Ages 55-70) | Fixed | 3.29% | 3.41% |
Yes
|
More info Get quote Get smartER | |
|
|
Lifestyle Lump Sum Max | Fixed | 3.41% | 3.50% | No | More info Get quote Get smartER | |
|
|
Capital Choice Cashback 3% | Fixed | 3.45% | 3.58% |
Yes
|
More info Get quote Get smartER | |
|
|
Capital Select Lite Cashback (3%) | Fixed | 3.54% | 3.60% |
Yes
|
More info Get quote Get smartER | |
|
|
Tailored Lifetime 1 - (Age 55-70) Cashback 2% | Fixed | 3.49% | 3.62% |
Yes
|
More info Get quote Get smartER | |
|
|
Tailored Lifetime 1 - (Ages 71+) | Fixed | 3.53% | 3.66% |
Yes
|
More info Get quote Get smartER | |
|
|
Lifetime Mortgage LS6 | Fixed | 3.71% | 3.80% |
Yes
|
More info Get quote Get smartER | |
|
|
Capital Select Gold | Fixed | 3.73% | 3.80% |
Yes
|
More info Get quote Get smartER | |
|
|
Tailored Lifetime 1 - (Ages 71+) Cashback 2% | Fixed | 3.73% | 3.87% |
Yes
|
More info Get quote Get smartER | |
|
|
Tailored Lifetime 2 | Fixed | 3.77% | 3.91% |
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 | |
|
|
Tailored Lifetime 3 - (Ages 55-70) | Fixed | 3.89% | 4.03% |
Yes
|
More info Get quote Get smartER | |
|
Lump Sum V4 | Fixed | 3.83% | 4.04% |
Yes
|
More info Get quote Get smartER | |
|
|
Tailored Lifetime 3 - (Ages 71+) | Fixed | 3.94% | 4.08% |
Yes
|
More info Get quote Get smartER | |
|
|
Capital Select Gold Cashback (3%) | Fixed | 4.03% | 4.10% |
Yes
|
More info Get quote Get smartER | |
|
Lump Sum Lite - 2 Yr Fixed | Fixed | 3.55% | 4.20% |
Yes
|
More info Get quote Get smartER | |
|
|
Tailored Lifetime 3 - (Age 55-70) Cashback 2% | Fixed | 4.08% | 4.23% |
Yes
|
More info Get quote Get smartER | |
|
|
Tailored Lifetime 3 - (Ages 71+) Cashback 2% | Fixed | 4.13% | 4.28% |
Yes
|
More info Get quote Get smartER | |
|
|
Lump Sum Lite | Variable | 4.00% | 4.30% |
Yes
|
More info Get quote Get smartER | |
|
|
Tailored Lifetime 5 | Fixed | 4.25% | 4.40% |
Yes
|
More info Get quote Get smartER | |
|
|
Capital Select Gold Plus | Fixed | 4.30% | 4.40% |
Yes
|
More info Get quote Get smartER | |
|
|
Sovereign D | Fixed | 4.31% | 4.56% |
Yes
|
More info Get quote Get smartER | |
|
|
Lump Sum Lite | Fixed | 4.34% | 4.60% |
Yes
|
More info Get quote Get smartER | |
|
|
Tailored Lifetime 5 Cashback 2% | Fixed | 4.44% | 4.60% |
Yes
|
More info Get quote Get smartER | |
|
|
Sovereign D (Fees Package) | Fixed | 4.61% | 4.65% |
Yes
|
More info Get quote Get smartER | |
|
|
Lump Sum Standard (2 Yr Fixed) | Fixed | 4.20% | 4.70% |
Yes
|
More info Get quote Get smartER | |
|
|
Lump Sum Standard | Variable | 4.40% | 4.70% |
Yes
|
More info Get quote Get smartER | |
|
|
Capital Select Gold Plus Cashback (3%) | Fixed | 4.60% | 4.70% |
Yes
|
More info Get quote Get smartER | |
|
|
Maximum Choice | Fixed | 4.62% | 4.78% |
Yes
|
More info Get quote Get smartER | |
|
|
Tailored Lifetime 5 Cashback 4% | Fixed | 4.65% | 4.82% |
Yes
|
More info Get quote Get smartER | |
|
|
Capital Choice Plus Cashback 3% | Fixed | 4.65% | 4.82% |
Yes
|
More info Get quote Get smartER | |
|
|
Tailored Lifetime 5 Cashback 5% | Fixed | 4.75% | 4.93% |
Yes
|
More info Get quote Get smartER | |
|
|
Capital Select Platinum | Fixed | 4.78% | 4.96% |
Yes
|
More info Get quote Get smartER | |
|
|
Maximum Choice Plus | Fixed | 4.86% | 5.03% |
Yes
|
More info Get quote Get smartER | |
|
|
Lump Sum Standard | Fixed | 4.79% | 5.10% |
Yes
|
More info Get quote Get smartER | |
|
|
Capital Select Platinum Cashback (3%) | Fixed | 5.08% | 5.28% |
Yes
|
More info Get quote Get smartER | |
|
|
Prestige Options | Fixed | 5.17% | 5.30% |
Yes
|
More info Get quote Get smartER | |
|
|
Sovereign E | Fixed | 5.03% | 5.31% |
Yes
|
More info Get quote Get smartER | |
|
|
Sovereign E (Fees Package) | Fixed | 5.33% | 5.41% |
Yes
|
More info Get quote Get smartER | |
|
|
Prime Choice | Fixed | 5.37% | 5.57% |
Yes
|
More info Get quote Get smartER | |
|
|
Tailored Enhanced | Fixed | 5.40% | 5.69% |
Yes
|
More info Get quote Get smartER | |
|
|
Prime Plus | Fixed | 5.60% | 5.82% |
Yes
|
More info Get quote Get smartER | |
|
|
Sovereign F | Fixed | 5.52% | 5.83% |
Yes
|
More info Get quote Get smartER | |
|
|
Sovereign F (Fees Package) | Fixed | 5.82% | 5.92% |
Yes
|
More info Get quote Get smartER | |
|
|
Tailored Enhanced Cashback 1% | Fixed | 5.70% | 6.00% |
Yes
|
More info Get quote Get smartER | |
|
|
Capital Select Platinum Plus | Fixed | 5.83% | 6.00% |
Yes
|
More info Get quote Get smartER | |
|
|
Tailored Enhanced Cashback 2% | Fixed | 5.75% | 6.06% |
Yes
|
More info Get quote Get smartER | |
|
|
Tailored Enhanced Cashback 3% | Fixed | 5.80% | 6.11% |
Yes
|
More info Get quote Get smartER | |
|
|
Tailored Enhanced Cashback 4% | Fixed | 5.85% | 6.16% |
Yes
|
More info Get quote Get smartER | |
|
|
Tailored Enhanced Cashback 5% | Fixed | 5.90% | 6.22% |
Yes
|
More info Get quote Get smartER | |
|
|
Prime Plus 3% Cashback | Fixed | 6.31% | 6.57% |
Yes
|
More info Get quote Get smartER | |
|
|
Super LTV | Fixed | 6.29% | 6.70% |
Yes
|
More info Get quote Get smartER | |
|
|
Super LTV | Fixed | 6.29% | 6.70% |
Yes
|
More info Get quote Get smartER | |
These are lump sum lifetime mortgage schemes. To understand their features, benefits and risks, please contact Equity Release Supermarket for a no obligation, personalised, key facts illustration. All drawdown 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
- 2.22%
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
Voluntary payments
Choose to make voluntary loan repayments of upto 10% per annum in any 12-month period, with no penalty. This lender requires no proof of income or affordability to qualify.
Downsizing protection
If, after 5 years, the loan is repaid due to you moving into a new property that does not meet this lenders underwriting criteria, no penalty is charged.
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)
- 2.27%
Continue to Adviser
Criteria
Age range
55
- 84
Plan Term
Lifetime
Minimum loan
Maximum loan
£10,000
£100,000
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
Voluntary payments
Choose to make voluntary loan repayments of upto 10% per annum in any 12-month period, with no penalty. This lender requires no proof of income or affordability to qualify.
Downsizing protection
If, after 5 years, the loan is repaid due to you moving into a new property that does not meet this lenders underwriting criteria, no penalty is charged.
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)
- 2.27%
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
FREE
Features
Voluntary payments
Choose to make voluntary loan repayments of upto 10% per annum in any 12-month period, with no penalty. This lender requires no proof of income or affordability to qualify.
Downsizing protection
If, after 5 years, the loan is repaid due to you moving into a new property that does not meet this lenders underwriting criteria, no penalty is charged.
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
- 2.22%
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
Voluntary payments
Choose to make voluntary loan repayments of upto 10% per annum in any 12-month period, with no penalty. This lender requires no proof of income or affordability to qualify.
Downsizing protection
If, after 5 years, the loan is repaid due to you moving into a new property that does not meet this lenders underwriting criteria, no penalty is charged.
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
- 2.26%
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
Voluntary payments
Choose to make voluntary loan repayments of upto 10% per annum in any 12-month period, with no penalty. This lender requires no proof of income or affordability to qualify.
Downsizing protection
If, after 5 years, the loan is repaid due to you moving into a new property that does not meet this lenders underwriting criteria, no penalty is charged.
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)
- 2.30%
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
Voluntary payments
Choose to make voluntary loan repayments of upto 10% per annum in any 12-month period, with no penalty. This lender requires no proof of income or affordability to qualify.
Downsizing protection
If, after 5 years, the loan is repaid due to you moving into a new property that does not meet this lenders underwriting criteria, no penalty is charged.
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 Lite (fee free)
- 2.30%
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
Voluntary payments
Choose to make voluntary loan repayments of upto 10% per annum in any 12-month period, with no penalty. This lender requires no proof of income or affordability to qualify.
Downsizing protection
If, after 5 years, the loan is repaid due to you moving into a new property that does not meet this lenders underwriting criteria, no penalty is charged.
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 Lite
- 2.26%
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
Voluntary payments
Choose to make voluntary loan repayments of upto 10% per annum in any 12-month period, with no penalty. This lender requires no proof of income or affordability to qualify.
Downsizing protection
If, after 5 years, the loan is repaid due to you moving into a new property that does not meet this lenders underwriting criteria, no penalty is charged.
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
Sovereign A
- 2.25%
Continue to Adviser
Criteria
Age range
55
- 85
Plan Term
Lifetime
Minimum loan
Maximum loan
£10,000
£725,000
Property location
England
Scotland
Wales
Minimum valuation
Maximum valuation
£70,000
Unlimited
Early Repayment Charges
Fixed - Yrs 0-5 = 8%, Yrs 6-8 = 6%, Yrs 9+ = 0% of initial advance
Lender Details
Fees
Valuation fee
FREE
Application fee
£895
Cashback
£600
Features
Downsizing protection
If, after 5 years, the loan is repaid due to you moving into a new property that does not meet this lenders underwriting criteria, no penalty is charged.
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.
Classic Lite Plus
- 2.37%
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
Voluntary payments
Choose to make voluntary loan repayments of upto 10% per annum in any 12-month period, with no penalty. This lender requires no proof of income or affordability to qualify.
Downsizing protection
If, after 5 years, the loan is repaid due to you moving into a new property that does not meet this lenders underwriting criteria, no penalty is charged.
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)
- 2.42%
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
Voluntary payments
Choose to make voluntary loan repayments of upto 10% per annum in any 12-month period, with no penalty. This lender requires no proof of income or affordability to qualify.
Downsizing protection
If, after 5 years, the loan is repaid due to you moving into a new property that does not meet this lenders underwriting criteria, no penalty is charged.
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
Lump Sum+ Lite (fee free)
- 2.46%
Continue to Adviser
Criteria
Age range
60
- 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%, Yrs 11+ = 0% of capital repaid
Lender Details
Fees
Valuation fee
FREE
Application fee
FREE
Features
Voluntary payments
Choose to make voluntary loan repayments of upto 10% per annum in any 12-month period, with no penalty. This lender requires no proof of income or affordability to qualify.
Downsizing protection
If, after 5 years, the loan is repaid due to you moving into a new property that does not meet this lenders underwriting criteria, no penalty is charged.
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.
Lifetime Mortgage LS1
- 2.46%
Continue to Adviser
Criteria
Age range
55
- 85
Plan Term
Lifetime
Minimum loan
Maximum loan
£30,000
£600,000
Property location
England
Scotland
Wales
Minimum valuation
Maximum valuation
£100,000
£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 = 1%, Yr 11+ = 0% of the initial amount advanced
Lender Details
Fees
Valuation fee
FREE
Application fee
FREE
Cashback
£600
Features
Voluntary payments
Choose to make voluntary loan repayments of upto 10% per annum in any 12-month period, with no penalty. This lender requires no proof of income or affordability to qualify.
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.
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
Voluntary payments
Choose to make voluntary loan repayments of upto 10% per annum in any 12-month period, with no penalty. This lender requires no proof of income or affordability to qualify.
Downsizing protection
If, after 5 years, the loan is repaid due to you moving into a new property that does not meet this lenders underwriting criteria, no penalty is charged.
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
- 2.37%
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
Voluntary payments
Choose to make voluntary loan repayments of upto 10% per annum in any 12-month period, with no penalty. This lender requires no proof of income or affordability to qualify.
Downsizing protection
If, after 5 years, the loan is repaid due to you moving into a new property that does not meet this lenders underwriting criteria, no penalty is charged.
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)
- 2.42%
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
Voluntary payments
Choose to make voluntary loan repayments of upto 10% per annum in any 12-month period, with no penalty. This lender requires no proof of income or affordability to qualify.
Downsizing protection
If, after 5 years, the loan is repaid due to you moving into a new property that does not meet this lenders underwriting criteria, no penalty is charged.
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
Sovereign A (Fees Package)
- 2.55%
Continue to Adviser
Criteria
Age range
55
- 85
Plan Term
Lifetime
Minimum loan
Maximum loan
£20,000
£725,000
Property location
England
Scotland
Wales
Minimum valuation
Maximum valuation
£70,000
Unlimited
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 = 1%, Yr 11+ = 0% of the initial amount advanced
Lender Details
Fees
Valuation fee
FREE
Application fee
£895
Cashback
£900
,
3%
Features
Downsizing protection
If, after 5 years, the loan is repaid due to you moving into a new property that does not meet this lenders underwriting criteria, no penalty is charged.
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.
Lump Sum+ (fee free)
- 2.57%
Continue to Adviser
Criteria
Age range
60
- 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%, Yrs 11+ = 0% of capital repaid
Lender Details
Fees
Valuation fee
FREE
Application fee
FREE
Features
Voluntary payments
Choose to make voluntary loan repayments of upto 10% per annum in any 12-month period, with no penalty. This lender requires no proof of income or affordability to qualify.
Downsizing protection
If, after 5 years, the loan is repaid due to you moving into a new property that does not meet this lenders underwriting criteria, no penalty is charged.
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.
Classic Midi
- 2.50%
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
Voluntary payments
Choose to make voluntary loan repayments of upto 10% per annum in any 12-month period, with no penalty. This lender requires no proof of income or affordability to qualify.
Downsizing protection
If, after 5 years, the loan is repaid due to you moving into a new property that does not meet this lenders underwriting criteria, no penalty is charged.
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)
- 2.54%
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
FREE
Features
Voluntary payments
Choose to make voluntary loan repayments of upto 10% per annum in any 12-month period, with no penalty. This lender requires no proof of income or affordability to qualify.
Downsizing protection
If, after 5 years, the loan is repaid due to you moving into a new property that does not meet this lenders underwriting criteria, no penalty is charged.
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
Sovereign B
- 2.44%
Continue to Adviser
Criteria
Age range
55
- 85
Plan Term
Lifetime
Minimum loan
Maximum loan
£10,000
£725,000
Property location
England
Scotland
Wales
Minimum valuation
Maximum valuation
£70,000
Unlimited
Early Repayment Charges
Fixed - Yrs 0-5 = 8%, Yrs 6-8 = 6%, Yrs 9+ = 0% of initial advance
Lender Details
Fees
Valuation fee
FREE
Application fee
£895
Cashback
£600
Features
Downsizing protection
If, after 5 years, the loan is repaid due to you moving into a new property that does not meet this lenders underwriting criteria, no penalty is charged.
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.
Flexi Choice Extra (fee free)
- 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
£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
Voluntary payments
Choose to make voluntary loan repayments of upto 10% per annum in any 12-month period, with no penalty. This lender requires no proof of income or affordability to qualify.
Downsizing protection
If, after 5 years, the loan is repaid due to you moving into a new property that does not meet this lenders underwriting criteria, no penalty is charged.
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
- 2.50%
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
Voluntary payments
Choose to make voluntary loan repayments of upto 10% per annum in any 12-month period, with no penalty. This lender requires no proof of income or affordability to qualify.
Downsizing protection
If, after 5 years, the loan is repaid due to you moving into a new property that does not meet this lenders underwriting criteria, no penalty is charged.
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
Lifestyle Lite
- 2.55%
Continue to Adviser
Criteria
Age range
55
- 90
Plan Term
Lifetime
Minimum loan
Maximum loan
£10,000
£1,000,000
Property location
England
Scotland
Wales
Minimum valuation
Maximum valuation
£70,000
£6,000,000
Early Repayment Charges
Fixed - Yrs 1-5 = 5%, Yrs 6-8 = 3%, Yrs 9+ = 0% of initial advance
Lender Details
Fees
Valuation fee
FREE
Application fee
£650
Features
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.