It’s easy to be coy about your health and medical conditions – but if you are honest with your adviser then they may be able to get you more money.

Common conditions such as type 2 diabetes and heart disease, as well as lifestyle choices like smoking, could make you eligible for our medically underwritten plans. You may hear this referred to as an ‘enhanced’ plan.

That means more money, as enhanced plans allow you to borrow a higher proportion of your property’s value.

Here's an example of how a more 2 life enhanced plan could benefit you

Meet Grace. Grace is 65 and still has plenty she wants to do with her life, provided she can access the funds. If she was in good health, she could expect to borrow 37.5% of her home’s value under a standard lifetime mortgage plan.

However, Grace has high blood pressure and previously suffered from cancer – this means she can borrow 41.3% with an enhanced plan, if she tells her adviser.

A lifetime mortgage is a loan secured against your home. It will reduce the value of your estate, and may affect you entitlement to means-tested benefits. This is why it's so important to get advice from a qualified adviser. To find out more, please read our 'things to consider' page.