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Lifetime Mortgage - voluntary payment

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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 Rate APR Incentive
Classic Elite Super Lite 2.35% 2.40%
Yes
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Classic Elite Super Lite Plus 2.36% 2.41%
Yes
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Classic Elite Super Lite (fee free) 2.37% 2.41%
Yes
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Classic Elite Super Lite Plus (fee free) 2.38% 2.42%
Yes
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Flexi Choice Premier Super Lite (fee free) 2.37% 2.43%
Yes
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Flexi Choice Premier Super Lite 2.35% 2.44%
Yes
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Capital Choice Ultra Lite 2.36% 2.46%
Yes
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Flexi Choice Super Lite (fee free) 2.39% 2.48%
Yes
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Flexi Choice Super Lite 2.34% 2.49%
Yes
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Classic Elite Lite 2.49% 2.54%
Yes
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Classic Elite Lite (fee free) 2.51% 2.55%
Yes
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Flexi Choice Premier Lite (fee free) 2.51% 2.57%
Yes
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Flexi Choice Premier Lite 2.49% 2.58%
Yes
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Premier Flexible Black 2.49% 2.60%
Yes
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Lifestyle Flexible Enhanced 2.51% 2.60%
Yes
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Flexible Pink 2.51% 2.60%
Yes
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Lifetime Mortgage LS1 2.54% 2.60%
Yes
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Flexible Pink (fee free) 2.55% 2.60%
Yes
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Premier Flexible Black (fee free) 2.57% 2.60%
Yes
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Lump Sum+ Lite (fee free) 2.60% 2.60%
Yes
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Flexi Choice Lite 2.48% 2.63%
Yes
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Flexi Choice Lite (fee free) 2.53% 2.63%
Yes
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Classic Super Lite 2.51% 2.65%
Yes
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Classic Super Lite (fee free) 2.56% 2.65%
Yes
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Capital Choice Ultra Lite 2.56% 2.66%
Yes
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Capital Choice Super Lite 2.56% 2.66%
Yes
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Capital Choice Super Lite 2.56% 2.66%
Yes
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Classic Lite 2.55% 2.68%
Yes
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Flexi Choice Midi (fee free) 2.58% 2.68%
Yes
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Classic Lite (fee free) 2.60% 2.68%
Yes
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Flexi Choice Midi 2.53% 2.69%
Yes
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Lifestyle Flexible Option 2.59% 2.70%
Yes
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Drawdown+ Lite 2.60% 2.70%
Yes
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Flexible Orange 2.61% 2.70%
Yes
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Drawdown+ Standard 1 2.62% 2.70%
Yes
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Lifetime Mortgage LS2 2.62% 2.70%
Yes
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Lump Sum+ (fee free) 2.64% 2.70%
Yes
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Flexible Orange (fee free) 2.65% 2.70%
Yes
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Flexi Choice Extra (fee free) 2.66% 2.76%
Yes
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Flexi Choice Extra 2.62% 2.78%
Yes
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Classic Lite Plus 2.67% 2.78%
Yes
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Lump Sum+ Lite 2.60% 2.80%
Yes
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Lump Sum+ 2.64% 2.80%
Yes
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Drawdown+ Standard 2 2.64% 2.80%
Yes
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Classic Lite Plus (fee free) 2.72% 2.80%
Yes
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Lifestyle Flexible Enhanced - £500 Cashback 2.73% 2.80%
Yes
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Flexible Pink (cashback 2%) 2.75% 2.80%
Yes
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Classic Midi 2.78% 2.89%
Yes
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Flexible Yellow 2.74% 2.90%
Yes
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Flexible Yellow (fee free) 2.77% 2.90%
Yes
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Lifestyle Flexible Option - £500 Cashback 2.79% 2.90%
Yes
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Lifestyle Flexible Enhanced - £1000 Cashback 2.81% 2.90%
Yes
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Lifetime Mortgage LS3 2.82% 2.90%
Yes
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Classic Midi (fee free) 2.82% 2.90%
Yes
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Flexible Green 2.83% 2.90%
Yes
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Flexible Orange (cashback 2%) 2.84% 2.90%
Yes
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Capital Choice Lite 2.84% 2.95%
Yes
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Flexi Choice Plus (fee free) 2.84% 2.95%
Yes
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Capital Choice 2.85% 2.96%
Yes
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Flexi Choice Plus 2.81% 2.97%
Yes
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Voluntary Payment Lite (variable) 2.80% 3.00%
Yes
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Drawdown+ Standard 3 2.84% 3.00%
Yes
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Lifestyle Flexible Option - £1000 Cashback 2.87% 3.00%
Yes
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Flexible Green (fee free) 2.87% 3.00%
Yes
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Lump Sum+ Max (fee free) 2.92% 3.00%
Yes
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Drawdown+ Max 2.92% 3.00%
Yes
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Capital Choice Lite 2.90% 3.01%
Yes
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Capital Select Super Lite 2.95% 3.07%
Yes
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Flexi Choice Max (fee free) 2.98% 3.09%
Yes
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Flexi Choice Lump Sum Max (fee free) 2.98% 3.09%
Yes
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Lump Sum+ Max 2.92% 3.10%
Yes
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Flexible Turquoise 2.96% 3.10%
Yes
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Flexible Yellow (cashback 2%) 2.97% 3.10%
Yes
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Flexible Turquoise (fee free) 3.00% 3.10%
Yes
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Lifetime Mortgage LS4 3.07% 3.10%
Yes
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J1 VP 3.11% 3.10%
Yes
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J2 VP 3.13% 3.10%
Yes
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Flexi Choice Lump Sum Max 2.95% 3.12%
Yes
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Flexi Choice Max 2.95% 3.12%
Yes
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Classic Midi Plus 3.02% 3.13%
Yes
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Classic Midi Plus (fee free) 3.02% 3.13%
Yes
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Capital Choice 3.06% 3.17%
Yes
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Classic Max 3.09% 3.19%
Yes
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Flexible Teal 3.07% 3.20%
Yes
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Flexible Green (cashback 2%) 3.07% 3.20%
Yes
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Flexible Teal (fee free) 3.11% 3.20%
Yes
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Classic Max (fee free) 3.12% 3.20%
Yes
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Classic Max Plus 3.15% 3.25%
Yes
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Classic Max Plus (fee free) 3.18% 3.26%
Yes
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Flexible Turquoise (cashback 2%) 3.19% 3.30%
Yes
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Capital Select Lite 3.24% 3.30%
Yes
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J1 - 2% Cashback VP 3.32% 3.30%
Yes
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J2 - 2% Cashback VP 3.33% 3.30%
Yes
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Capital Select Super Lite Cashback (3%) 3.25% 3.38%
Yes
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Voluntary Payment Standard (variable) 3.20% 3.40%
Yes
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Flexible Blue 3.27% 3.40%
Yes
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Flexible Teal (cashback 2%) 3.30% 3.40%
Yes
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Lifetime Mortgage LS5 3.31% 3.40%
Yes
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Flexible Blue (fee free) 3.31% 3.40%
Yes
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Lump Sum+ Platinum (fee free) 3.39% 3.40%
Yes
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J1 - 5% Cashback VP 3.42% 3.40%
Yes
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Drawdown+ Platinum 3.39% 3.50%
Yes
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J2.5 (Green) VP 3.49% 3.50%
Yes
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Capital Choice Cashback 3% 3.45% 3.58%
Yes
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Lump Sum+ Platinum 3.39% 3.60%
Yes
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Flexible Blue (cashback 2%) 3.50% 3.60%
Yes
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Capital Select Lite Cashback (3%) 3.54% 3.60%
Yes
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Lump Sum+ Platinum+ (fee free) 3.55% 3.60%
Yes
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J2.5 VP 3.60% 3.60%
Yes
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J2 - 5% Cashback VP 3.64% 3.60%
Yes
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Classic Lump Sum Super Max 3.51% 3.62%
Yes
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Classic Lump Sum Super Max (fee free) 3.54% 3.63%
Yes
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Lump Sum+ Platinum+ 3.55% 3.70%
Yes
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Drawdown+ Platinum+ 3.55% 3.70%
Yes
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Flexible Navy 3.55% 3.70%
Yes
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Flexible Navy (fee free) 3.59% 3.70%
Yes
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Lifetime Mortgage LS6 3.66% 3.70%
Yes
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Tailored Lifetime 1 - (Ages 55-70) 3.59% 3.71%
Yes
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Tailored Lifetime 1 - (Ages 55-70) 3.64% 3.76%
Yes
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Capital Select Gold 3.73% 3.80%
Yes
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Capital Choice Plus 3.74% 3.88%
Yes
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Capital Choice Plus 3.74% 3.88%
Yes
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Flexible Navy (cashback 2%) 3.78% 3.90%
Yes
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Lump Sum Max Enhanced 3.86% 3.90%
Yes
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J2.5 - 2% Cashback VP 3.86% 3.90%
Yes
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Tailored Lifetime 1 - (Age 55-70) Cashback 2% 3.79% 3.92%
Yes
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Heritage (Gilt ERC) 3.75% 3.96%
Yes
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Tailored Lifetime 1 - (Ages 71+) 3.83% 3.96%
Yes
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Tailored Lifetime 1 - (Age 55-70) Cashback 2% 3.84% 3.97%
Yes
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Lifestyle Lump Sum Max 3.95% 4.00%
Yes
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Lump Sum Max Enhanced - £500 Cashback 3.97% 4.00%
Yes
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Heritage (Fixed ERC) 3.80% 4.01%
Yes
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Heritage Midi (Gilt ERC) 3.80% 4.01%
Yes
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Tailored Lifetime 1 - (Ages 71+) 3.88% 4.01%
Yes
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Lump Sum V4 (Variable ERC) 3.83% 4.04%
Yes
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Heritage (Gilt ERC + Fees Package) 3.95% 4.05%
Yes
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Heritage Plus (Gilt ERC) 3.85% 4.06%
Yes
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Heritage Midi (Fixed ERC) 3.85% 4.07%
Yes
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Flexible Indigo 3.97% 4.10%
Yes
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Heritage (Fixed ERC + Fees Package) 4.00% 4.10%
Yes
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Heritage Midi (Gilt ERC + Fees Package) 4.00% 4.10%
Yes
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Flexible Indigo (fee free) 4.01% 4.10%
Yes
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Capital Select Gold Cashback (3%) 4.03% 4.10%
Yes
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Lifestyle Lump Sum Max - £500 Cashback 4.07% 4.10%
Yes
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Lump Sum Max Enhanced - £1000 Cashback 4.08% 4.10%
Yes
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J2.5 - 5% Cashback VP 4.12% 4.10%
Yes
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Lump Sum V3 (Variable ERC) 3.98% 4.12%
Yes
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Heritage Plus (Gilt ERC + Fees Package) 4.05% 4.14%
Yes
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Heritage Midi (Fixed ERC + Fees Package) 4.05% 4.15%
Yes
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Tailored Lifetime 1 - (Ages 71+) Cashback 2% 4.03% 4.17%
Yes
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Tailored Lifetime 1 - (Ages 71+) Cashback 2% 4.03% 4.17%
Yes
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Heritage Plus (Fixed ERC + Fees Package) 4.10% 4.19%
Yes
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Flexible V4 (Variable ERC) 3.98% 4.20%
Yes
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Lifestyle Lump Sum Max - £1000 Cashback 4.17% 4.20%
Yes
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J3 VP 4.22% 4.20%
Yes
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Heritage Max (Gilt ERC) 4.01% 4.21%
Yes
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Tailored Lifetime 2 4.07% 4.21%
Yes
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Heritage Freedom 40 4.05% 4.24%
Yes
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Classic Lump Sum Super Max Plus 4.11% 4.24%
Yes
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Classic Lump Sum Super Max Plus (fee free) 4.14% 4.25%
Yes
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Heritage Max (Fixed ERC) 4.06% 4.26%
Yes
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Tailored Lifetime 2 4.12% 4.26%
Yes
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Flexible V3 (Variable ERC) 4.12% 4.27%
Yes
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Lump Sum V2 (Fixed ERC) 4.07% 4.29%
Yes
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Heritage Freedom 40 Midi 4.10% 4.30%
Yes
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Flexible Indigo (cashback 2%) 4.20% 4.30%
Yes
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Heritage Max (Gilt ERC + Fees Package) 4.21% 4.30%
Yes
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Tailored Lifetime 3 - (Ages 55-70) 4.19% 4.33%
Yes
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Heritage Freedom 40 Plus 4.15% 4.35%
Yes
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Heritage Max (Fixed ERC + Fees Package) 4.26% 4.35%
Yes
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Lump Sum V1 (Fixed ERC) 4.22% 4.37%
Yes
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Tailored Lifetime 3 - (Ages 71+) 4.24% 4.39%
Yes
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Capital Select Gold Plus 4.30% 4.40%
Yes
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J3 - 2% Cashback VP 4.42% 4.40%
Yes
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Maximum Choice 4.27% 4.43%
Yes
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Flexible V2 (Fixed ERC) 4.22% 4.45%
Yes
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Maximum Choice 4.33% 4.49%
Yes
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Heritage Freedom 40 Max 4.31% 4.51%
Yes
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Flexible V1 (Fixed ERC) 4.36% 4.52%
Yes
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Tailored Lifetime 3 - (Ages 55-70) 4.37% 4.52%
Yes
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Tailored Lifetime 3 - (Age 55-70) Cashback 2% 4.38% 4.53%
Yes
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Tailored Lifetime 3 - (Ages 71+) 4.42% 4.57%
Yes
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Tailored Lifetime 3 - (Ages 71+) Cashback 2% 4.43% 4.58%
Yes
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Voluntary Payment Lite 4.34% 4.60%
Yes
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Tailored Lifetime 5 4.44% 4.60%
Yes
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J3 - 4% Cashback VP 4.64% 4.60%
Yes
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Heritage Max Plus (Gilt ERC) 4.43% 4.64%
Yes
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Tailored Lifetime 5 4.49% 4.65%
Yes
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Heritage Max Plus (Fixed ERC) 4.48% 4.69%
Yes
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Maximum Choice Plus 4.53% 4.70%
Yes
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Capital Select Gold Plus Cashback (3%) 4.60% 4.70%
Yes
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J3 - 5% Cashback VP 4.74% 4.70%
Yes
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Tailored Lifetime 3 - (Age 55-70) Cashback 2% 4.56% 4.72%
Yes
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Heritage Max Plus (Gilt ERC + Fees Package) 4.63% 4.73%
Yes
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Maximum Choice Plus 4.60% 4.77%
Yes
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Tailored Lifetime 3 - (Ages 71+) Cashback 2% 4.61% 4.77%
Yes
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Heritage Max Plus (Fixed ERC + Fees Package) 4.68% 4.78%
Yes
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Tailored Lifetime 5 Cashback 2% 4.63% 4.79%
Yes
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Capital Choice Plus Cashback 3% 4.65% 4.82%
Yes
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Tailored Lifetime 5 Cashback 2% 4.68% 4.85%
Yes
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Flexible Violet 4.74% 4.90%
Yes
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Flexible Violet (fee free) 4.77% 4.90%
Yes
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Heritage Freedom 40 Max Plus 4.73% 4.95%
Yes
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Capital Select Platinum 4.78% 4.96%
Yes
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J4 VP 4.95% 5.00%
Yes
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Tailored Lifetime 5 Cashback 4% 4.84% 5.01%
Yes
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Tailored Lifetime 5 Cashback 4% 4.89% 5.06%
Yes
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Prime Choice 4.89% 5.07%
Yes
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Voluntary Payment Standard 4.79% 5.10%
Yes
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Tailored Lifetime 5 Cashback 5% 4.94% 5.12%
Yes
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Tailored Lifetime 5 Cashback 5% 4.99% 5.17%
Yes
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J4 - 2% Cashback VP 5.16% 5.20%
Yes
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Capital Select Platinum Cashback (3%) 5.08% 5.28%
Yes
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Just For You J6 5.31% 5.40%
Yes
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J4 - 5% Cashback VP 5.47% 5.50%
Yes
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Prime Plus (55-70) 5.37% 5.57%
Yes
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Just For You J6 - 1% Cashback 5.41% 5.60%
Yes
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Just For You J6 - 2% Cashback 5.51% 5.70%
Yes
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Just For You J6 - 3% Cashback 5.61% 5.80%
Yes
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Just For You J6 - 4% Cashback 5.71% 5.90%
Yes
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Tailored Enhanced 5.70% 6.00%
Yes
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Just For You J6 - 5% Cashback 5.81% 6.00%
Yes
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Second Home Voluntary Select 5.82% 6.00%
Yes
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Over 55 Buy-to-Let Voluntary Select 5.82% 6.00%
Yes
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Capital Select Platinum Plus 5.83% 6.00%
Yes
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J5 Enhanced VP 6.10% 6.10%
Yes
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Capital Select Platinum Plus Flexi Cashback (3%) 6.13% 6.30%
Yes
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J5 Enhanced - 2% Cashback VP 6.32% 6.30%
Yes
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Tailored Enhanced Cashback 1% 6.00% 6.32%
Yes
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Tailored Enhanced Cashback 2% 6.05% 6.37%
Yes
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J5 Enhanced - 3% Cashback VP 6.42% 6.40%
Yes
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Tailored Enhanced Cashback 3% 6.10% 6.42%
Yes
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Tailored Enhanced Cashback 4% 6.15% 6.47%
Yes
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Tailored Enhanced Cashback 5% 6.20% 6.53%
Yes
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Prime Plus 3% Cashback 6.31% 6.57%
Yes
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J5 Enhanced - 5% Cashback VP 6.63% 6.60%
Yes
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Super LTV 6.29% 6.70%
Yes
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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.