When your clients are struggling with mortgage payments in retirement, a lifetime mortgage with flexible payment
options could be the solution. By making small monthly payments, they can significantly reduce the cost of
borrowing and reduce their monthly outgoings.

20+
Years

Industry Experience

FCA Regulated

Financial Conduct Authority

ERC
Member

Equity Release Council

Award Winning

Service & Products

A new approach to later life lending

Traditional lifetime mortgages have helped thousands access some of their property wealth. But for many clients, the compound interest can be a concern. That's why more2life has developed innovative products that allow customers, who commit to regular monthly payments, benefit from a lower interest rate in contrast to a comparable lifetime mortgage.

Customers who commit to a monthly repayment benefit from:

  • Lowering the total cost of borrowing
  • Reduced impact of compound interest
  • More control over their finances
  • Greater peace of mind in retirement

By paying as little as £50 per month, clients can make a significant difference to the total amount owed over the lifetime of the loan.


Learn more about our products

See the real impact for your clients

Example case study. Paul (71) and Dawn (69) want to borrow £158,000 on their property worth £450,000 with a joint life plan. See how they could save £68,000 with Tailored Interest Reward (calculated at 2% HPI):

Interest cost comparison over 15 years

No Payments
Standard Lifetime Mortgage

£111,915

Remaining Equity

Cost of Payments:

£0

Total Cost of Borrowing:

£493,726

With Payments
Standard Lifetime Mortgage

£190,475

Remaining Equity

Save £42,560

vs no payments

Cost of Payments (10 years):

£36,000

Total Cost of Borrowing:

£451,166

Lowest Cost

Tailored Interest Reward
With 0.60% Discount

£216,496

Remaining Equity

Save £68,581

vs no payments

Cost of Payments (10 years):

£36,000

Total Cost of Borrowing:

£425,145

£
Help clients preserve more inheritance
 Key adviser benefits

Demonstrate clear value of your advice

Show quantifiable benefits to clients
 

Everyday challenges, lasting solutions

Every client is different, so personalised advice matters. Here are four common example cases
where modern lifetime mortgages with committed payments can meaningfully benefit both
your practice and your clients.

Watch Pat & Mick's Story
Watch Pat & Mick's Story - 3 minutes

The mortgage prisoners - Pat & Mick's Story
Pat (67) and Mick (70) found themselves trapped with an interest-only mortgage coming to term with no means to repay the capital. After years of 6:30am starts on building sites, Mick couldn't face the stress of forced downsizing. Their lender wouldn't extend the term, and at their age, remortgaging seemed impossible.

  • Stay in their beloved home
  • Manage affordable monthly payments
  • Avoid the stress of forced downsizing
  • Maintain their quality of life after years of hard work





 
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The pension gap bridgers
Sarah, 68

Sarah discovered her pension wouldn't stretch as far as planned. With a lifetime mortgage allowing voluntary payments, she could:

  • Access a lump sum for immediate needs
  • Make small monthly payments when possible
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The home improvers
David and Margaret, both 72

Needed £40,000 for essential home adaptations. Their flexible payment lifetime mortgage meant they could:

  • Fund the improvements immediately
  • Pay off chunks when they received pension lump sums
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Payment simplifiers
John, 70

Had multiple high-interest debts causing monthly stress. A lifetime mortgage with payment options helped him:

  • Clear all existing debts
  • Have one manageable monthly payment
Calculate client benefits
 

Products designed for individuals

We understand every customer you meet has different needs, but if you have clients who look similiar to
these examples, then we have products you could recommend that might help.

Personalised

Flexi Interest Reward

Bespoke

Discount

The personalised lifetime mortgage with bespoke discounts

  • Customers choose their own monthly payment (minimum £50)
  • Choose their own payment term (2-30 years)
  • Receive a personalised interest rate discount for life*
  • Available as lump sum only from ages 55-82
  • LTVs from 2.5% to 28.5%, property values £125k to £2m

Discount retention:
25-49% of payments:
50-74% of payments:
75-99% of payments:
100% of payments:

 
Keep 25% of discount
Keep 50% of discount
Keep 75% of discount
Keep full discount for life

Find Flexi Interest Reward on Air Sourcing

*Subject to all payments being made

Most Flexible

Tailored Interest Reward

0.60%

Max Discount

The lifetime mortgage with no fixed payment term

  • Bespoke payments from just 25.01% of their monthly interest
  • Interest rate discounts up to 0.60% while making payments
  • No fixed payment term - customers pay for as long as they want
  • Available as lump sum or drawdown from ages 55-85
  • LTVs from 11% to 55.9%, property values from £100,000+

Example case study:
Paul and Dawn saved over £68,000 in interest by making payments for 10 years. They preserved over £215,000 in property equity for their family, almost doubling what they could pass on versus making no payments.

Find Tailored Interest Reward on Air Sourcing Find Tailored Interest Reward on Advise Wise
Which product could be right for your client?

Choose Flexi Interest Reward if your client:

  • Wants a personalised discount based on their situation for peace of mind
  • Prefers to commit to a payment plan for bigger savings
  • Values keeping some discount even if circumstances change

Choose Tailored Interest Reward if your client:

  • Wants more control and assurance around repayments
  • Prefers to pay as they go without a set end date
  • Values the ability to stop payments if they ever needed to. Stopping payment would result in the loss of the discounted interest rate

Both products require no credit checks and guarantee your client can never lose their home, even if payments stop.

We're here to support you and your clients

At more2life, we understand that recommending the right later life lending
solution requires expertise and support.

That's why we provide:

  Comprehensive training
  Get up to speed on our modern lifetime mortgage products with expert-led training

  Dedicated BDM support
  Your personal Business Development Manager provides ongoing support for your cases

  Marketing materials
  Professional client guides and marketing materials to help you explain the benefits

  Fast decision in principle
  Quick initial decisions to keep your client cases moving forward efficiently

  Experienced underwriting
  Our expert underwriting team understands complex later life lending scenarios



Quick turnaround

Our team will work tirelessly to help get your case turned around. Timescales can vary and are not guaranteed



Expert guidance

Specialist support for complex cases and scenarios
 



Training & development

Ongoing training to keep you up to date with products
 

 

Ready to help your clients
live more affordably?

 

Access our complete range of lifetime mortgage products

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