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Lifetime mortgages – voluntary payment
Once you’ve found a voluntary payment 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 voluntary payment 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 Flexible Black | Fixed | 2.28% | 2.40% |
Yes
|
More info Get quote Get smartER | |
|
|
Flexible 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 Flexible Black (fee free) | Fixed | 2.32% | 2.40% |
Yes
|
More info Get quote Get smartER | |
|
|
Flexible 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 | |
|
|
Flexible Orange | Fixed | 2.44% | 2.50% |
Yes
|
More info Get quote Get smartER | |
|
Lump Sum+ Lite (fee free) | 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 | 2.38% | 2.52% |
Yes
|
More info Get quote Get smartER | |
|
|
Flexi Choice Midi (fee free) | Fixed | 2.43% | 2.53% |
Yes
|
More info Get quote Get smartER | |
|
|
Flexible Orange (fee free) | Fixed | 2.48% | 2.60% |
Yes
|
More info Get quote Get smartER | |
|
|
Drawdown+ Lite | Fixed | 2.49% | 2.60% |
Yes
|
More info Get quote Get smartER | |
|
|
Drawdown+ Standard 1 | Fixed | 2.51% | 2.60% |
Yes
|
More info Get quote Get smartER | |
|
|
Flexible Pink (cashback 2%) | Fixed | 2.53% | 2.60% |
Yes
|
More info Get quote Get smartER | |
|
|
Lump Sum+ | Fixed | 2.57% | 2.60% |
Yes
|
More info Get quote Get smartER | |
|
|
Classic Midi | Fixed | 2.54% | 2.65% |
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 | |
|
Lifestyle Flexible Option | Fixed | 2.57% | 2.70% | No | More info Get quote Get smartER | |
|
|
Flexible Yellow | Fixed | 2.60% | 2.70% |
Yes
|
More info Get quote Get smartER | |
|
|
Flexible 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 | |
|
|
Flexible Orange (cashback) | Fixed | 2.68% | 2.80% |
Yes
|
More info Get quote Get smartER | |
|
|
Flexible Green | Fixed | 2.73% | 2.80% |
Yes
|
More info Get quote Get smartER | |
|
|
Flexible Green (fee free) | Fixed | 2.76% | 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 | 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 | |
|
|
Flexible Turquoise | Fixed | 2.81% | 2.90% |
Yes
|
More info Get quote Get smartER | |
|
|
Flexible Yellow (cashback 2%) | Fixed | 2.83% | 2.90% |
Yes
|
More info Get quote Get smartER | |
|
|
Flexible 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 | |
|
|
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 | |
|
|
Flexible 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 | |
|
|
Flexible 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 | |
|
|
Flexi Choice Lump Sum Max (fee free) | Fixed | 3.18% | 3.29% |
Yes
|
More info Get quote Get smartER | |
|
|
Flexible 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 | |
|
|
Flexible 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 | |
|
|
Tailored Lifetime 1 - (Ages 55-70) | Fixed | 3.29% | 3.41% |
Yes
|
More info Get quote Get smartER | |
|
|
Tailored Lifetime 1 - (Ages 55-70) | Fixed | 3.34% | 3.46% |
Yes
|
More info Get quote Get smartER | |
|
|
Flexible 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 | |
|
|
Flexible Blue | Fixed | 3.42% | 3.60% |
Yes
|
More info Get quote Get smartER | |
|
|
Flexible Blue (fee free) | Fixed | 3.45% | 3.60% |
Yes
|
More info Get quote Get smartER | |
|
|
Tailored Lifetime 1 - (Age 55-70) Cashback 2% | 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 | |
|
|
Tailored Lifetime 1 - (Ages 71+) | Fixed | 3.58% | 3.71% |
Yes
|
More info Get quote Get smartER | |
|
|
Flexible 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 | |
|
|
Tailored Lifetime 1 - (Ages 71+) Cashback 2% | Fixed | 3.73% | 3.87% |
Yes
|
More info Get quote Get smartER | |
|
|
Flexible Navy | Fixed | 3.72% | 3.90% |
Yes
|
More info Get quote Get smartER | |
|
|
Flexible Navy (fee free) | Fixed | 3.75% | 3.90% |
Yes
|
More info Get quote Get smartER | |
|
|
Tailored Lifetime 2 | Fixed | 3.77% | 3.91% |
Yes
|
More info Get quote Get smartER | |
|
|
Tailored Lifetime 1 - (Ages 71+) | Fixed | 3.78% | 3.92% |
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 | |
|
|
Tailored Lifetime 2 | Fixed | 3.89% | 3.96% |
Yes
|
More info Get quote Get smartER | |
|
|
Maximum Choice Lite | Fixed | 3.88% | 4.01% |
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 | |
|
|
Capital Choice Plus | Fixed | 3.91% | 4.05% |
Yes
|
More info Get quote Get smartER | |
|
|
Tailored Lifetime 3 - (Ages 71+) | Fixed | 3.94% | 4.08% |
Yes
|
More info Get quote Get smartER | |
|
|
Flexible 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 | |
|
Voluntary Payment Lite (2 Yr Fixed) | Fixed | 3.55% | 4.20% |
Yes
|
More info Get quote Get smartER | |
|
|
Flexible Lifetime Mortgage V4 | Fixed | 3.98% | 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+) | Fixed | 4.12% | 4.27% |
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 | |
|
|
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 | |
|
|
Tailored Lifetime 3 - (Age 55-70) Cashback 2% | Fixed | 4.26% | 4.42% |
Yes
|
More info Get quote Get smartER | |
|
|
Heritage Freedom 40 Plus | Fixed | 4.25% | 4.45% |
Yes
|
More info Get quote Get smartER | |
|
|
Tailored Lifetime 5 | Fixed | 4.30% | 4.46% |
Yes
|
More info Get quote Get smartER | |
|
|
Tailored Lifetime 3 - (Ages 71+) Cashback 2% | Fixed | 4.31% | 4.47% |
Yes
|
More info Get quote Get smartER | |
|
|
Flexible Indigo | Fixed | 4.32% | 4.50% |
Yes
|
More info Get quote Get smartER | |
|
|
Flexible Indigo (fee free) | Fixed | 4.36% | 4.50% |
Yes
|
More info Get quote Get smartER | |
|
|
Voluntary Payment 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 | |
|
|
Heritage Freedom 40 Max | Fixed | 4.41% | 4.62% |
Yes
|
More info Get quote Get smartER | |
|
|
Tailored Lifetime 5 Cashback 2% | Fixed | 4.49% | 4.65% |
Yes
|
More info Get quote Get smartER | |
|
|
Voluntary Payment Lite | Variable | 4.00% | 4.70% |
Yes
|
More info Get quote Get smartER | |
|
|
Voluntary Payment Standard (2 Yr Fix) | Fixed | 4.20% | 4.70% |
Yes
|
More info Get quote Get smartER | |
|
|
Voluntary Payment Standard | Variable | 4.40% | 4.70% |
Yes
|
More info Get quote Get smartER | |
|
|
Flexible 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 | |
|
|
Tailored Lifetime 5 Cashback 4% | 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 | |
|
|
Tailored Lifetime 5 Cashback 4% | Fixed | 4.70% | 4.87% |
Yes
|
More info Get quote Get smartER | |
|
|
Tailored Lifetime 5 Cashback 5% | Fixed | 4.75% | 4.93% |
Yes
|
More info Get quote Get smartER | |
|
|
Tailored Lifetime 5 Cashback 5% | Fixed | 4.80% | 4.98% |
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 | |
|
|
Voluntary 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 | |
|
|
Flexible Violet | Fixed | 5.10% | 5.30% |
Yes
|
More info Get quote Get smartER | |
|
|
Flexible Violet (fee free) | Fixed | 5.14% | 5.30% |
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 | |
|
|
Tailored Enhanced Cashback 1% | Fixed | 5.70% | 6.00% |
Yes
|
More info Get quote Get smartER | |
|
|
Over 55 Buy-to-Let Voluntary Select | Fixed | 5.82% | 6.00% |
Yes
|
More info Get quote Get smartER | |
|
|
Second Home Voluntary Select | Fixed | 5.82% | 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 | |
These are lifetime mortgage schemes offering a flexible payment option. To understand their features, benefits and risks, please contact Equity Release Supermarket for a personalised, key facts illustration. All 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
£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
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
50
- 100
Plan Term
Lifetime
Minimum loan
Maximum loan
£0
£0
Property location
Minimum valuation
Maximum valuation
£0
Unlimited
Early Repayment Charges
None
Lender Details
Fees
Valuation fee
FREE
Application fee
£500
Classic Lite (fee free)
- 2.31%
Continue to Adviser
Criteria
Age range
50
- 100
Plan Term
Lifetime
Minimum loan
Maximum loan
£0
£0
Property location
Minimum valuation
Maximum valuation
£0
Unlimited
Early Repayment Charges
None
Lender Details
Fees
Valuation fee
FREE
Application fee
FREE
Premier Flexible 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.
Flexible 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.
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 Flexible 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.
Flexible 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.
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
50
- 100
Plan Term
Lifetime
Minimum loan
Maximum loan
£0
£0
Property location
Minimum valuation
Maximum valuation
£0
Unlimited
Early Repayment Charges
None
Lender Details
Fees
Valuation fee
FREE
Application fee
£500
Classic Lite Plus (fee free)
- 2.43%
Continue to Adviser
Criteria
Age range
50
- 100
Plan Term
Lifetime
Minimum loan
Maximum loan
£0
£0
Property location
Minimum valuation
Maximum valuation
£0
Unlimited
Early Repayment Charges
None
Lender Details
Fees
Valuation fee
FREE
Application fee
FREE
Flexible Orange
- 2.44%
Continue to Adviser
Criteria
Age range
55
- 90
Plan Term
Lifetime
Minimum loan
Maximum loan
£100,000
£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.
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
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.
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
Flexible Orange (fee free)
- 2.48%
Continue to Adviser
Criteria
Age range
55
- 90
Plan Term
Lifetime
Minimum loan
Maximum loan
£100,000
£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.
Drawdown+ Lite
- 2.49%
Continue to Adviser
Criteria
Age range
60
- 95
Plan Term
Lifetime
Minimum loan
Maximum loan
£10,000
£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
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.
Drawdown+ Standard 1
- 2.51%
Continue to Adviser
Criteria
Age range
60
- 95
Plan Term
Lifetime
Minimum loan
Maximum loan
£10,000
£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
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.
Flexible 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
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.