Landlord Options

Unlike most lifetime mortgages, our Landlord Options are secured against a Buy to Let Property. This means that Landlords can release cash from their property tax free, leaving their entire portfolio intact.

The equity you release from your property is yours to do whatever you like with, and our range of products means you can choose whether you wish to make any repayments:

Landlord Lifestyle

There are no interest payments to make on our Landlord Lifestyle Option. Instead, the interest rolls-up and is added to the mortgage each month.

Landlord Interest Select

Unlike traditional roll-up lifetime mortgages, our Landlord Interest Select lifetime mortgages allow you to pay some, or all, of the interest charged each month, for a period of your choice. This allows you to reduce the size of the rolled-up loan significantly.

Landlord Voluntary Select

Our Landlord Voluntary Select Options allow you to pay back up to 10% of the initial loan amount each year, without being charged an early repayment charge. This means that you can choose how much interest to pay, and you can choose to pay back some capital each year too.

The interest rates on our Landlord Options are currently:

Product Monthly interest rate (MER) Annual interest rate (AER)
Landlord Lifestyle 6.26% 6.44%
Landlord Interest Select 6.07% 6.24%
Landlord Voluntary Select 6.45% 6.64%

You can download our Guide to Equity Release, which gives an overview of what a lifetime mortgage is and how it could meet your needs. Our Guide to our Second Home and Buy to Let Products explains our products and their features in more detail.

To see how you can use both your property and your pension to get the most out of your retirement, you can also download a copy of our Home Truths report.