We offer a broad range of products
Our interest only, capital repayment and lifetime mortgage products are designed specifically to help when you've got a 50-90+ case on your desk.
Find out more about the four products we offer
Standard Capital & Interest
Our capital repayment option, available aged 50-85 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 50-80 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.
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 client receives their mortgage as a lump sum and doesn't have to make monthly payments.
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
| Retirement Interest Only (RIO) | Standard Interest Only | Standard Capital & Interest | Lifetime Mortgage | |
|---|---|---|---|---|
| Age | 50 | 50 | 50 | 55 |
| Minimum loan amount | £10k | £10k | £10k | £10k |
| Maximum loan amount | £1.5m | £1.5m | £1.5m | £1m |
| Maximum LTV | 75% | 70% | 85% | Age dependent |
| Affordability assessment? | ✅ | ✅ | ✅ | ❌ |
| Monthly payments required | Interest | Interest | Interest + Capital | None |
| Maximum term | No maximum | 30 years | 35 years | No maximum |