Service levels (as at 20th May 2025)
40 seconds call wait time
3 working days initial review from receipt of docs (standard)
3 working days initial review from submission (lifetime)
15 working days app to offer (fully packaged)
20 working days app to offer (standard | not fully packaged)
12 working days app to offer (lifetime | not fully packaged)
What makes us different
All incomes welcome
Including pensions such as SIPPs and State, rental income, self-employed, savings & investments, and many more.
Broad product range
Interest Only, Capital Repayment and Lifetime Mortgages, designed specifically for your 50-90+ clients. Give us a call to find out exactly how we can help.
Premium service
Expect quick replies from real humans who care about your case, a can-do approach every time and direct access to our underwriters.
Lending with a 'can-do' approach
We love helping in those 'not-your average' cases, so let's work together to find the way to say yes to your clients.
What type of mortgages do we offer?
Standard Capital & Interest
Your client repays the capital as well as the interest over a fixed term to maximise the equity in their property. A mix of Capital & Interest and Interest only is available with our Standard Part & Part mortgage.
Standard Interest Only
Your client pays just the interest each month, paying us back the capital when their chosen term ends. This is unlike a RIO, which has no specified maturity date. A mix of Capital & Interest and Interest only is available with our Standard Part & Part mortgage
Retirement Interest Only (RIO)
Designed for your clients who have no plans to move again – and they don't have to be retired.
Lifetime Mortgage
This is a type of equity release where your client receives a lump sum and doesn't have to make monthly payments.
Download our whitepaper, Consumer Duty: Why later life lending is about to change forever
Need some help to place your first case?
We created four handy guides to help you register on our Case Portal and submit an application.
Click below to find each guide.
That was genuinely one of the most satisfying deals I have done for any client in a long time.
M. Williamson, Concept Mortgages Ltd.
Is consolidating debt with an interest only mortgage a good idea?
