Equity Release overview

Our award-winning lifetime mortgages have been designed with your clients in mind, and can be tailored to suit their individual needs. In fact, our products can be secured on your customer's main residence, second home or buy to let property.

Our Products

These products can be used to release equity from a main residence:

Lifestyle Options

Our Lifestyle Options have been developed for customers who want a high loan-to-value or a low interest rate. These products are traditional roll-up lifetime mortgages with no payments due. The interest rate is fixed from the outset, and customers receive a one-off, tax free lump sum to use as they wish. 

You can choose to add a cash reserve facility to this product, or take cashback on our Lifestyle Platinum product.

Interest Select Options

Our Interest Select Options have been designed to overcome customer concerns about the impact of interest roll-up. Unlike traditional roll-up Lifetime Mortgages, Interest Select has been developed for customers who wish to release equity but who are able to pay either some, or all, of the interest. There are no affordability assessments.

You can choose to add a cash reserve facility to this product, or take cashback. 

Voluntary Select Options

Our Voluntary Select Options have been designed to offer your customers flexibility and choice. Whereas the payments made under our Interest Select Options are fixed and routine, the Voluntary Select Options allow your customer to make a voluntary contribution of their choosing each year.

You can choose to add a cash reserve facility to this product. 

These products can be used to release equity from a Second Home or Buy to Let property:

Landlord Options

Our Landlord Options are secured against a Buy to Let property, and allow Landlords to release cash from their property tax free, leaving their entire portfolio intact. There are a range of options to choose from, which allow your customer to decide whether they service the interest, the interest and the capital, or let the interest roll-up. There are no affordability assessments on this product range.

Second Home Options

Our Second Home Options are secured against a Second Home, which your customer doesn't live in permanently. This range of products comes with a choice of payment options, which allow your customer to service the interest, the interest and the capital, or let the interest roll up. There are no affordability assessments on this product range.

Additional Borrowing

Your customer can take additional borrowing on any of our lifetime mortgages. Alongside this, on some of our products your customer can choose to add a cash reserve facility at the outset. 

Product overviews

Main Res product overview thumb

Download our main residence product overview or buy to let and second homes product overview to compare our criteria across the product range.

Doing business with us

If you're registered with us, you can log in to our KFI Generator to generate KFIs and to submit an application online.

If you need to get registered with us, we'll need you to complete a Registration Form.

We offer marketing literature and sales aids, which can be found in our document library. We also have a range of posters available for you to order, free of charge. Get yours here.