What is Apex?

Apex forms part of our high-LTV offering, alongside Omni, with LTVs up to 51% on offer with Apex. This is our highest-LTV product for clients aged 90-95, broadening what's possible for those clients later in life with different long-term priorities. With an Interest Reward feature, clients are also able to control how the cost of borrowing builds over time.

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Who is this product for?

Apex is built for clients who want a lump sum upfront and don’t need a drawdown facility. It fits customers looking to clear an existing mortgage and reduce outgoings, improve or adapt their home, support family, or fund additional help in later life, with fixed-rate certainty and the flexibility to make optional repayments if they choose.

Learn more about Apex with our guides

Adviser Guide

Read our adviser guide so you can learn about all the key details and features that come with Apex and Apex Interest Reward.

Find out more >

Product Info Sheet

A practical overview of who Apex is suitable for (and who it isn’t), helping you place the right cases, first time.

Find out more >

Why choose Apex?

Offer more options later in life

Apex allows you to offer more options to those clients that are later in life. With our highest LTVs for clients aged 90-95, Apex enables you to help those clients with different long-term priorities.

It keeps certainty front and centre

Offering the shortest fixed ERCs in the later life lending market of 3 years, Apex provides your clients with certainty around future change, supporting more confident planning should their circumstances or priorities evolve.

Clients can control their cost of borrowing

We understand that some clients want to be able to protect future equity or potential estate value and they can do that with Apex Interest Reward. By commiting to monthly payments for 15 years, they could secure up to a 0.75% interest rate discount.

Key features

LTVs

Up to
51%
of property value.

Loans up to

£1.53m

Age Range

Available to clients
55-95*
(*+364 days)

ERCs

3 years

Interest Reward

Interest rate discount up to 0.75%
for making monthly payments

Apex LTVs

Explore Apex's LTVs to see how they could help you deliver a better customer outcome.

Download Apex's LTVs

Helpful Apex downloads

Product guide

All the key details about Apex in one place, so you can quickly understand how it works and who it’s for.

Download

Lending criteria

A clear breakdown of Apex's criteria to help you check client suitability fast and avoid unnecessary delays.

Download

Tariff of charges

A full list of any costs that could apply, so you can provide accurate information and set expectations early.

Download

Product info sheet

A practical overview of who Apex is suitable for (and who it isn’t), helping you place the right cases, first time.

Download

Lending criteria & other useful tools

Utilise our interactive tools to assess eligibility for your clients.

Lending criteria tool

Quickly check whether your client fits Apex’s criteria, so you can check if clients are eligible with confidence.

Find out more

Max LTV calculator

Instantly calculate how much your client could release with Apex’s LTVs, helping you find the right fit early on.

Find out more

Retained equity tool

Show clients how overpayments could help them manage costs over time.

Find out more

Dedicated support tool

Enter your FCA number to instantly find your dedicated more2life support team, so you know exactly who to speak to for help with your next Apex case.

Find out more

Talk to our Adviser Support Team

Our expert team is here to assist you with any questions or support you need.

Phone

Lines are open:
Monday to Friday from 9am to 5pm

03454 500 151

Email

Or, if you'd prefer to do things online,
you can email us at

[email protected]

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