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What is Flexi?

Flexi provides one of our most competitive rates in the lower LTV space. With live pricing, it stands out for its personalisation and flexibility – and it doesn’t restrict additional lending within a fixed product shelf.

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Who is this product for?

Flexi is built for clients who want more choice and control from later life lending. Whether that means making voluntary repayments of up to 10% of the initial advance each year, without an early repayment charge, having a drawdown facility or having downsizing protection, Flexi offers different features that may be suitable at different stages of a clients life.

Learn more about Flexi with our guides

Adviser Guide

Read our adviser guide so you can learn about all the key details and features that come with Flexi and Flexi Interest Reward.
Find out more >

Product Info Sheet

A practical overview of who Flexi & Flexi Interest Reward are suitable for (and who it isn't), helping you place the right cases, first time.

Lump sum download > 

Drawdown download >

Why choose Flexi?

Built to give you more control.

Flexi is designed to empower advisers and their clients with flexible features. With options like partial repayments and a drawdown facility and downsizing protection, you can tailor borrowing to suit real-life needs and changing circumstances

It reflects our promise to keep things simple.

From fixed early repayment charges to exemption of early repayment charges on death/admission into permanent care of the first applicant, Flexi gives you the tools to deliver solutions that are transparent, manageable, and built around good customer outcomes.

It's flexibility made practical.

Flexi isn’t just about choice, it’s about choice that matters. Whether it’s accessing funds when needed, rewarding monthly repayments with discounted rates with Flexi Interest Reward, or offering peace of mind for the future, Flexi strengthens your toolkit so you can keep supporting clients with confidence.

Key features

LTVs

Up to
48%
of property value.
 

Loans from

£10,000+

Age Range

Available to clients
55-84*
*(+364 days)

ERCs

10 years

Interest Reward Feature

Interest rate discount for
making monthly payments for a fixed period

Helpful Flexi downloads

Product guide

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

Download

Lending criteria

A clear breakdown of Flexi'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 Flexi is suitable for (and who it isn’t), helping you place the right cases, first time.

Lump Sum Download

Drawdown 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 Flexi’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 Flexi’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 Flexi 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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