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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.
FLEXI
Competitive rates, a wide range of LTVs, features, lump sum & drawdown options available.
FLEXI

Loans from

£10,000 to £1m

Available to clients aged

55 to 84

LTVs from

5% to 46%

Extras

  • Fee free
  • Val fee free

Features

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

Loans from

£10,000 to £1m

Available to clients aged

55 to 84

LTVs from

5% to 46%

Extras

  • Fee free
  • Val fee free

Features

Documents

CAPITAL
A range of competitive rates, LTVs & features are available, along with lump sum & drawdown options.
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

TAILORED
Available with enhanced LTVs, with competitive rates, lump sum and drawdown, partial repayments, fixed ERCs, cashback & more.
TAILORED

Loans from

£10,000 to £800,000

Available to clients aged

55+

LTVs from

21.5% to 54.5%

Extras

  • Cashback
  • Fee free
  • Val fee free

Features

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

Loans from

£10,000 to £800,000

Available to clients aged

55+

LTVs from

21.5% to 54.5%

Extras

  • Cashback
  • Fee free
  • Val fee free

Features

Documents

MAXIMUM
High LTVs at competitive rates with lump sum & drawdown options available, & range of features.
MAXIMUM

Loans from

£10,000 to £750,000

Available to clients aged

55 to 95

LTVs from

22.5% to 55%

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 55%

Extras

  • Fee free
  • Val fee free

Features

Documents

PRIME
Very high LTVs at competitive rates & of our features available, including up to 10% partial repayments. Lump sum plans only.
PRIME

Loans from

£10,000 - £600,000

Available to clients aged

55 to 84

LTVs from

26% 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

£10,000 - £600,000

Available to clients aged

55 to 84

LTVs from

26% to 55%

Extras

  • Cashback
  • 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.