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If you have a lifetime mortgage and you're planning any changes to your property or personal situation, it's important to let us know. Some changes may need our approval to make sure you and your property continue to meet the lender's criteria.
Whether you're thinking about home improvements, selling part of your land, changing ownership, or dealing with legal matters like trusts or second charges — we’re here to help guide you through the process.
Please choose the relevant option below to tell us more.
Planning to renovate, repair, extend, or make major changes to your home? Let us know before starting, as approval may be required.
Thinking of selling a section of your garden or land attached to your property? We’ll need to review and approval is required.
Want to inform us about a change to the named individuals on the property title? We'll need to review and approval is required.
Considering adding a second charge secured against your property? Most lifetime mortgages don’t allow this, so please check with us first.
Are you planning to set one up? We’ll need to review this to ensure everything is in order.
If someone has rights over part of your property (like access or utility use), and you want to change or remove them, let us know as approval may be required.
If a creditor has placed a legal claim on your property due to unpaid debts, please tell us so we can understand how it affects your plan.
If part of your equity release funds were held back until certain conditions are met (like repairs), let us know the current status.