Solutions designed to meet your borrowers’ needs
We don’t think in products. We focus on solutions. We find the right solutions, for the right people, at the right time. Whether it’s Capital Repayment, Interest Only, Retirement Interest Only or Lifetime Mortgages, we’ll find the best solutions up to, into and in retirement.
Want to learn more? Discover our LiveMore Product Guide
Discover more about our lending criteria
We take into account an extensive range of assets and incomes to give your clients more YES
Discover our range of solutions
Standard Capital & Interest
Our capital repayment option, available aged 40+ whether your client is working or retired.
Your client chooses the term and pays the capital each month as well as the interest, owing us nothing at the end.
Standard Interest Only
Our Standard Interest Only is available aged 40+ whether your client is working or retired.
Your client pays only the interest each month but chooses the term unlike with a Retirement Interest Only (RIO) mortgage, which has no specified end date.
Standard Part & Part
Our Standard Part & Part is available aged 40+ whether your client is working or retired.
Your client pays a proportion of the loan on capital repayment and a proportion on interest only. Your client will need a repayment strategy for the interest only element.
Retirement Interest Only (RIO)
Our Retirement Interest Only (RIO) mortgage, available from age 50, is open to your client if they're working or retired.
It has no end date so your client may never need another mortgage.
Lifetime Mortgage
A type of Equity Release where your clients can receive their mortgage either as a lump sum or by using a drawdown facility, where no monthly payments need to be made.
They can pay some or all the interest each month if they want. If they don't, this interest is added to what they owe and compounds over time.
A little more info about our products
| Standard Capital & Interest | Standard Interest Only | Standard Part & Part Interest Only (RIO) | Retirement Interest Only (RIO) | Lifetime Mortgage | |
|---|---|---|---|---|---|
| Age | 40 | 40 | 40 | 50 | 55 |
| Minimum loan amount | £20k | £20k | £20k | £20k | £30k |
| Maximum loan amount | £2.5m | £2.5m | £2.5m | £2.5m | £1m |
| Maximum LTV | 80% | 75% | 80% (75% IO) | 75% | Age dependent |
| Affordability assessment? | Yes | Yes | Yes | Yes | No |
| Monthly payments required | Interest + Capital | Interest | Interest + Capital | Interest | None |
| Maximum term | 40 years | 40 years | 40 years | No maximum | No maximum |