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What is Apex Zero?

Apex Zero is a lump sum lifetime mortgage designed for clients who need a specified amount at the outset and are anticipating a change in circumstances but need to take action now. With no mandatory monthly repayments and no early repayment charges at any time, it allows them to make unlimited partial repayments or repay in full whenever they choose, while a fixed interest rate provides certainty for the life of the loan. Designed to give advisers greater scope where future circumstances may be less certain, Apex Zero provides complete repayment freedom.

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Who is this product for?

Apex Zero is designed for clients who need to address a financial priority now but want to keep their options open for the future. It may also suit those who expect a change in their circumstances which could allow them to reduce or repay the loan later, and who value the freedom to decide if, how and when they make repayments.

Why choose Apex Zero?

It's repayment control built in

With no mandatory monthly repayments, no ERCs and no annual limit on the number or total amount of partial repayments, Apex Zero gives clients control over whether, when and how much they repay.

It supports changing circumstances

Apex Zero gives your clients the flexibility to either port their lifetime mortgage to an eligible new property or repay the loan in full without an early repayment charge, helping them keep their options open if their circumstances change.

Higher LTVs with Zero ERCs

Apex Zero gives advisers a higher-LTV option without early repayment charges, helping clients access a larger lump sum at the outset while retaining the freedom to repay later.

Key features

Age Range

Available to clients aged

55-95

LTVs

from 

23% - 51%

Loans up to

£1.53 million

Helpful Maxi Zero downloads

Product guide

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



Download

Lending criteria

A clear breakdown of Apex Zero'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 Zero 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 Zero’s criteria, so you can qualify cases faster and with confidence.
 
Find out more

Max LTV calculator

Instantly calculate how much your client could release with Apex Zero’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, without committing to contracted payments.

 
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 Zero 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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