Term Interest Only (TIO): Our minimum equity requirements

For Term Interest Only (TIO) products, your client must have sufficient equity in their property to allow them to downsize to a different property at the end of the term.

The minimum varies by region – find your client's minimum equity retirements with our simple tool below.


Please input the first two letters of your postcode to get an equity example.


  • We currently consider lending on properties located anywhere throughout England and Wales and mainland Scotland.

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