Lifetime Equity Release

Who is it for?


Our Lifetime Equity Release, known as ER.

This 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.

A TIO could be suitable for a wide range of circumstances, including:

  • Purchasing a new property
  • Remortgaging an existing loan
  • Generating funds for home improvements, lifestyle or to start a Bank of Mum and Dad
  • Staying in the property in the short term before downsizing or awaiting an inheritance payout.
  • IHT planning and wealth management
  • Those who aren’t ready or who don’t currently qualify for a RIO mortgage or equity release product. A TIO mortgage can act as a bridge into these.

Minimum Equity Requirements

With a TIO, your client is required to hold sufficient equity in the mortgaged property when the sale of it is used as a repayment strategy.

You can use our simple minimum equity finder to see the required amount in their region.

Key Points:


    Key Point #1

    this is where the copy for a key point goes.

Product Rates


These documents are all related to Lifetime Equity Release

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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

Lifetime Mortgages

Fixed Rate Term
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