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What is Maxi Zero?

Maxi Zero is a first of its kind lifetime mortgage available exclusively through more2life. With no early repayment charges at any time, it offers your clients exceptional flexibility, allowing them to make unlimited partial repayments or repay in full whenever they choose. Designed to give advisers greater scope in client recommendations, Maxi Zero supports a truly flexible later life lending strategy, combining lifetime security with complete repayment freedom.

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Who is this product for?

Maxi Zero is designed for clients who want maximum control over their finances in later life. It’s ideal for those who value the option to repay when it suits them without worrying about early repayment charges. Whether clients plan to make regular repayments, occasional lump sum payments, or simply want the flexibility to clear the balance in the future, Maxi Zero offers the freedom to adapt as their circumstances change.

Why choose Maxi Zero?

It helps deliver more choice

With no ERCs, Maxi Zero lets advisers recommend a plan that truly fits client needs, allowing them to confidently plan for the future.

It’s flexibility built in

Maxi Zero gives your clients complete freedom to repay when it suits them, without any early repayment charges. It’s designed to make later life lending simpler and more adaptable.

It’s practical innovation

Exclusively available through more2life, Maxi Zero brings something genuinely different to the market, helping you offer the flexibility your clients expect from modern lifetime lending.

Key features

Age Range

Available to clients aged

55-89

LTVs

from 

20.5% - 48.1%

Loans up to

£700,000

Helpful Maxi Zero downloads

Product guide

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



Download

Lending criteria

A clear breakdown of Maxi 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 Maxi Zero 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 Maxi 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 Maxi 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 Maxi 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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