Our lifetime mortgages include competitive interest rates and an array of extra features as standard, providing you with improved protection both now and in the future.

From the ability to make voluntary repayments without an early repayment charge, subject to criteria. To being able to move home in the future without any early repayment charges, subject to the new property meeting the lender’s criteria, our lifetime mortgages are tailored to meet the varied needs of todays over 55s.

With a more2life lifetime mortgage, you can trust you’re getting a plan that’s designed with your best interests in mind. So, whether you’re looking to supplement your retirement finances, repay your existing mortgage, or provide a financial gift to loved ones, we’re confident we’ll have a plan that’s right for you.

Protections to give you peace of mind

All of more2life's lifetime mortgages come with a range of features that are designed to protect you and your interests.

The Equity Release Council is the industry body for the UK's equity release sector and these guarantees have been designed to help ensure good customer outcomes.

The no negative equity guarantee, meaning you can never owe more than your home’s value or pass on any equity release related debt to your family.
The right to remain in your property for life or until you, or the last remaining applicant, moves into long-term care.
The right to move to another property, subject to the new property meeting our lending criteria at that time.
Fixed interest rates for the life of your plan.

For more information, please visit www.equityreleasecouncil.co.uk Find a qualified equity release adviser

Are you eligible for a lifetime mortgage with more2life?

To apply for one of our lifetime mortgages from an award-winning lender, you need to:

1.Be aged 55 or over (for joint life applications, you both need to be over 55)
2. Own a UK-based home (not including the Isle of Man or the Channel Islands) that’s worth at least £70,000.
3. Need to borrow at least £10,000.
4. Live permanently in your home. It must be your main residence and shouldn’t be unoccupied for more than six months per calendar year.

Getting the right advice

To take out a lifetime mortgage, you first need to receive advice from a qualified equity release adviser who’ll look at your options and tell you if it’s right for you.

If you’re yet to find an equity release adviser, we recommend searching the Equity Release Council's database of registered equity release adviser members. All Equity Release Council members have agreed to abide by Equity Release Council rules, guidance and standards, and have signed up to the Council's Statement of Principles.

Find an adviser

Alongside the benefits of equity release, we also want you to be aware of what’s important to consider before making a decision.

1. A lifetime mortgage is a loan secured against your home and subject to compound interest, meaning the amount you owe can grow quickly
2. Equity release will reduce the value of your estate and may affect your entitlement to means-tested benefits
3. Equity release may leave you with limited or no property equity remaining
4. Equity release will reduce your financial options in the future
5. A lifetime mortgage is a long-term financial product and is not designed to be fully repaid until the death or entry into long-term care of the last remaining borrower, otherwise early repayment charges may apply

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