Rated 'Excellent' Trustpilot
A managed route for eligible lifetime mortgage cases affected by
essential repairs - including cases where spray foam is present

Ask us to review a case   Check the criteria

Essential repairs don’t always have to be the end of the conversation. more2life and VBS can help eligible cases move from valuation to repair, valuer sign-off and completion through one supported journey.

Exclusive access

For Self Select members

One VBS contact

From instruction to sign off

Fixed quotation

Before works begin

Valuer sign off

Before the case continues

You advise the client. VBS manages the essential repairs.

When property essential repairs would otherwise stop an eligible case, you may be left coordinating the next step or moving the case elsewhere. Thorugh our partnership with Verified Building Services (VBS), eligible cases can follow one supported route forward.

VBS assesses, prices and manages the agreed works through verified contractors. You continue to advise the client, while VBS manages the essential repair journey and our valuer reviews the work before the case continues.

  • A fixed quotation before works begin
  • One VBS contact - not multiple contractors
  • Re-work at no extra cost within the quoted price if needed for sign-off
  • Client choice over whether to proceed with VBS

Nothing starts until the client is ready. Repairs only begin once the client has accepted the quotation and terms, all other case requirements are complete, and the cost has been reflected in your suitability assessment. 

 

See the managed journey

Could the case meet the criteria?

Use these headline checks before asking us to review a live or recent case.

The Case
Exclusive to Self Select Members
  • Exclusive to Self Select members
  • Lifetime mortgages only - purchases are excluded
  • No multiple special conditions
The Property
Standard Construction
  • The property must not be listed
  • Property value up to £1m
  • The property and repair scope must be suitable for the route
The Essential Repairs
Up to £25,000
  • Expected cost of agreed repairs up to £25,000
  • Works must fit within the offer-validity window
  • Repair type remains subject to individual review
Meeting the headline criteria doesn't confirm eligibility or approval. more2life reviews each case and retains full underwriting discretion. 
 

 

From Valuation to Completion

VBS is the single point of contact from instruction until our valuer signs the work off.

Review

more2life checks eligibility, and, where the case can proceed instructs VBS.

Scope & quotes

VBS surveys the property, scopes the agreed repairs and issues a fixed quotation.

Accept & repair

You reassess suitability. Once the client accepts and the case is otherwise ready, VBS manages verified contractors.

Sign-off & complete

Our valuer reviews the work. Any required re-work is managed within the original quoted price before completion. 

One VBS contact
 

Client choice
 
No upfront payments when funded from proceeds of equity release

Re-work at no extra cost
 
Essential repair costs can be settled from equity release proceeds at completion, or the client can self-fund using the same managed VBS service. Both routes remain subject to eligibility, underwriting and suitability-checks.
Spray foam present? The case may still be worth reviewing.

more2life will consider eligible cases where spray foam is present. VBS can manage agreed removal and related roof works through to valuer sign-off. 

  • Assessment and repair scope managed by VBS
  • Verified contractors undertake agreed works
  • Our valuer reviews the completed work
 

Other repairs we may consider

  • Roof works, damp and timber treatment
  • Electrical, plumbing, boiler and heating work
  • Window replacement
  • Guttering, rainwater, and joinery
  • Lintels and non-progressive cracking

Outside this route

  • Subsidence, mining movement or progressive structural movement
  • Japanese knotweed, flood or fire remediation
  • Contaminated land or major reconstruction
  • Planning-dependent works, insurance claims or retrospective building-regulation issues

Designed to reduce adviser
burden and client uncertainty

The pathway adds a managed service around the repair condition without changing your advice responsibilities or our underwriting decision

Keep the case moving

A route for eligible cases that might otherwise stall or need to move elsewhere.

Retain the relationship

One managed contact

VBS undertakes every element from scoping the works and quotation to contractor management and sign-off

No contractor coordination

Greater cost clarity

The client recevies a fixed quote, with any re-work required for valuer sign-off included within that price

Fewer repair-cost unknowns

Choice over funding

Costs can be paid from mortgage proceeds at completion or self-funded through the same managed service

One journey, two funding routes

We're here to support you and your clients

Start the case. We'll help you understand whether the VBS managed route may apply.



Live case review
Raise the property condition before moving the case elsewhere

Recent case review
Revisit an eligible case where essential repairs were the barrier

Eligibility guidance
Your account manager can help you apply the headline criteria

Managed handover
If eligible, more2life instructs VBS and they become the repair contact.

Live case

Essential repairs are getting in the way now

Recent case

Essential repairs stopped the case.
 

Need guidance?

Talk through the criteria first.
 

 

Could an essential-repairs case be worth another look?

 

Bring us a Self-Select remortgage case where repairs are getting in the way.
We'll check whether the VBS route could apply before you write it off or move it elsewhere. 


Ask us to review a case  Speak to your BDM

Eligible cases only. Approval isn't guaranteed. Underwriting discretion and adviser suitability responsibilities remain unchanged.

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