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The later life lender


COVID-19 Update 30/03/2020

As the COVID-19 situation continues to evolve rapidly, we wanted to bring you up to date with where we are across various fronts – namely plans and valuations:


more2life offers a wide range of plans underpinned by five supportive funding partners, and we continue to have very detailed and positive conversations with them regarding how we deal with pipeline cases, as well as new business.

All of our plans are open to applications for the time-being. However, please be aware that price rises and LTV restrictions are incoming to the market, and these will include our own plans. We will keep you posted on these as soon as we are aware of them.

A Flexi Choice price rise comes into effect tonight at midnight. Applications on the current rate must be received by midnight this Friday 3rd April. Our ability to proceed with those applications hinges on ongoing negotiations we are having regarding remote valuations.


We are optimistic about the ability to offer desktop valuations across our plans in the very near future. That may or may not include ALL of our plans, but we are working hard with all of our funding partners to agree a way forward, and no doors have yet been shut to us at the time of writing, but this is a tricky issue that the whole industry is grappling with right now.

In terms of our own funding lines, if one particular funder is unable to accept desktop valuations, it will be possible to move the application across to a funder that does.

Our Service Promise

Our latest service level stats are detailed below, and we continue to process post-offer cases as normal, as well as pre-offer up to the valuation stage. However, in view of the current difficulties in obtaining valuations, we are temporarily suspending our fastpath 14 day service promise until further notice.

We hope to reintroduce this as soon as we have a desktop alternative in place, but in the meantime we are sure you can appreciate the need for us to suspend this promise.

Current Service Levels

  App to Offer Offer to Comp App to Comp
Fastest  2 Days 9 Days  11 Days 
Average*  6 Days  21 Days 27 Days

*90% of cases

This website is intended for intermediaries only and has not been approved for customer use. more2life Limited. Registered in England No 5390268. Registered Office: Baines House, 4 Midgery Court, Fulwood, Preston PR2 9ZH. more2life is authorised and regulated by the Financial Conduct Authority.