more2life's dedicated site for UK financial advisers only - if you're a customer please go to our customer page

This website is intended for financial advisers only and has not been approved for non financial advisers.

Continue as adviser Go to customer site
https://media.keyadvice.co.uk/mediacontainer/medialibraries/more2life/more2life/logos/m2l_white_trans.png?ext=.png

The later life lender

Create a KFI to offer your clients one of our award-winning lifetime mortgages, with added features and protections as standard.

Our lifetime mortgages

Compare our range of competitive plans, features and plan options, and download literature for more information.
PRIME
Very high LTVs, lump sum, competitive rates & up to 10% partial repayments. Please note Prime Plus plans are unavailable until further notice. Prime Choice is available & not subject to retentions.
PRIME

Loans from

£10,000 - £600,000

Available to clients aged

55 to 84

LTVs from

27% to 56%

Extras

  • Cashback
  • Fee free
  • Val fee free

Features

  • Fixed ERCs
  • Partial repayments from day one
  • Inheritance protection
  • Downsizing protection
  • ERC exemption

Loans from

£10,000 - £600,000

Available to clients aged

55 to 84

LTVs from

27% to 56%

Extras

  • Cashback
  • Fee free
  • Val fee free

Features

Documents

CAPITAL
Competitive rates, the choice of lump sum or drawdown, the ability to make partial repayments, and a range of LTVs to choose from.
CAPITAL

Loans from

£15,000 to £1.5m

Available to clients aged

55 to 95

LTVs from

8.5% to 55%

Extras

  • Cashback
  • Fee free
  • Val fee free

Features

  • Fixed ERCs
  • Partial repayments from day one
  • Inheritance protection
  • Downsizing protection
  • ERC exemption

Loans from

£15,000 to £1.5m

Available to clients aged

55 to 95

LTVs from

8.5% to 55%

Extras

  • Cashback
  • Fee free
  • Val fee free

Features

Documents

MAXIMUM
High LTVs, lump sum or drawdown, & range of features available. Please note all Maximum plans are available, subject to 10% retentions.
MAXIMUM

Loans from

£10,000 to £750,000

Available to clients aged

55 to 95

LTVs from

22.5% to 54%

Extras

  • Fee free
  • Val fee free

Features

  • Fixed ERCs
  • Partial repayments from day one
  • Downsizing protection
  • ERC exemption

Loans from

£10,000 to £750,000

Available to clients aged

55 to 95

LTVs from

22.5% to 54%

Extras

  • Fee free
  • Val fee free

Features

Documents

TAILORED
Available with enhanced LTVs , with competitive rates, lump sum or drawdown. Please note that Tailored Plus, Lite 4 and Lite 5 are subject to 10% retentions.
TAILORED

Loans from

£10,000 to £600,000

Available to clients aged

55+

LTVs from

20.9% to 54.5%

Extras

  • Cashback
  • Fee free
  • Val fee free

Features

  • Partial repayments from day one
  • ERC exemption

Loans from

£10,000 to £600,000

Available to clients aged

55+

LTVs from

20.9% to 54.5%

Extras

  • Cashback
  • Fee free
  • Val fee free

Features

Documents

FLEXI
Some of the lowest rates on the market, lump sum or drawdown options, along with a range of LTVs & plans for clients with high property values. Please note that valuations are temporarily unavailable.
FLEXI

Loans from

£10,000 to £1.85m

Available to clients aged

55 to 84

LTVs from

5% to 48%

Extras

  • Fee free
  • Val fee free

Features

  • Fixed ERCs
  • Partial repayments from day one
  • Downsizing protection
  • ERC exemption

Loans from

£10,000 to £1.85m

Available to clients aged

55 to 84

LTVs from

5% to 48%

Extras

  • Fee free
  • Val fee free

Features

Documents

Modern lending features

So that you can give your clients peace of mind and more control over their lifetime mortgage, all of our lifetime mortgages come with extras and protections as standard. Where eligible your client can enjoy a brighter future thanks to this flexibility at no extra cost.
Partial repayments
Depending on the plan recommended, your clients could repay up to 12% of their initial loan in any 12 month period from when the loan completes, without incurring any early repayment charges.
Use the calculator
Fixed ERCs
Your clients will always know how much it may cost to repay early with fixed early repayment charges, allowing them to properly assess the benefits and risks.
Watch the webinar
ERC exemption
In joint cases, the remaining borrower can repay their loan in full without incurring any ERCs within 3 years of the death or admission into long-term care of the first borrower.
Watch the webinar
Downsizing protection
After an initial period of 5 years from when the loan completes, your client can repay their loan in full without incurring any ERCs, if they move to a property outside of our lending criteria.
Watch the webinar
Inheritance protection
Your client can protect a percentage of their home’s future value as long as they don’t take the maximum loan offered. The percentage of loan not taken is the same percentage of their home’s future value which will be protected.
Use the calculator

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.