What is Apex?

Apex is our highest LTV lifetime mortgage. With market-leading LTVs up to 52% and the shortest fixed ERCs in the market - just four years - it's designed to help your clients secure a better customer outcome.  

Adviser guide     

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Apex overview

LTVs from 18.5% - 48%



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4-year fixed ERCs

Our shortest fixed ERCs

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Borrow up to £1.44m



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Ages 55-95



Product criteria
 

Lending criteria tool

Apex boasts a flexible product criteria. For more details and to see how it compares to our other plans, use our free lending criteria tool. It helps answer some of the most common product criteria questions and allows you to personalise your criteria search to see if your client's home is eligible.

Lending criteria tool


Core:4 features

Our Core:4 features provide peace of mind, flexibility and control, and can help give your clients a brighter financial future. They're automatically included in our Apex plan, so you don’t have to worry about opting in.

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Partial repayments

Partial repayments can be made on all more2life plans, and help to reduce the size of the overall loan and therefore the effect of roll-up interest.

Fixed ERCs

Fixed ERCs ensure that your clients will always know how much it may cost to make a repayment outside of any ERC-free criteria. Apex has the shortest fixed ERCs in the market. 

ERC exemption

In joint cases, when the first borrower passes away or goes into long-term care, the remaining borrower can repay the loan in full within three years without incurring an early repayment charge.

Downsizing protection

If your client wishes to downsize to a property outside of our criteria, they can repay their loan in full without incurring ERCs, as long as the move occurs five years after the loan completion date.

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Lending criteria

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Product guide

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LTV tables

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Tariff of charges

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Product information

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Guide to more2life

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Lifetime mortgage guide

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Core:4 guide

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Create KFI

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FAQs

Apex is the highest LTV lifetime mortgage in the market, with LTVs up to 52%. 

Download LTV tables

Apex travels with the shortest fixed ERCs on the market at just four years; giving your clients more financial flexibility in the future. 

Apex comes with a flexible product criteria. Download our full product criteria guide for more information. 

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Yes, Apex meets Equity Release Council standards. That means your client is safeguarded by the no negative equity guarantee and guarantee of tenure, as well as other protections, throughout. 

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