We offer a broad range of products

From interest only to capital repayment, our products are designed specifically to help when you've got a 50-90+ case on your desk.
We offer a broad range of products

Download our product and criteria guides

Who is it for?

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.

The mortgage is repaid from the sale of their home when they pass away or move into long-term care.

A RIO could be suitable for various needs including:

  • Purchasing a new property
  • Remortgaging an existing loan
  • Generating funds for home improvements, lifestyle or to start a Bank of Mum and Dad
  • IHT planning and wealth management
  • Those looking for an alternative to Equity Release products due to requirement of higher loan amount, income to service interest or to avoid the impact of roll-up compounding interest.

Key Points:

  • Up to 75% LTV - House Icon

    Up to 75% LTV

    Borrow up to 75% loan to value

  • 50 years minimum age - Birthday Cake Icon

    50 years minimum age

    50 years minimum age (at application). No maximum age.

  • Widest range of fixed rates - Calendar Icon

    Widest range of fixed rates

    2, 5 and 10 year fixed and fixed for life currently available

  • 0.55% gross proc fee - Calculator Icon

    Up to 1.10% gross proc fee

    We have 3 proc fee options. Choose from:

    • Our Standard Proc Fee of 0.55% gross upfront
    • Our Ongoing Proc Fee of 0.55% gross upfront plus an additional 0.13% gross every year thereafter, for up to 15 years
    • (Fixed for Life products only) Our Enhanced Proc Fee of 1.10% gross upfront 

    Our Ongoing Proc Fee and Enhanced Proc Fee require an annual customer care call.

Product Rates

Finding the right product

Browse our products below – you can filter them based on their key features.

Also, our product tier selector and product guide can help you determine which product is right for your client.

Fixed Rate Term
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