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What is Omni?

Omni is designed to give you more ways to say yes, offering some of our highest LTVs, our broadest lending criteria, and application ages up to 89. It delivers on our promise of innovation - with high-impact features designed around the real-world challenges you face when placing later life cases. If you have clients that can commit to making regular monthly payments, they could benefit from the same great features as the standard plan, plus a discounted interest rate with Omni Interest Reward.

It's a lifetime mortgage designed for today's customer. Because there's more to life. 

Create KFI

Who is this product for?

Omni is built for clients who need more from later life lending. Whether that means unlocking funds for home improvements, supporting family, or supplementing income in retirement. It’s designed to help you deliver more, especially when other plans don’t go far enough.

Learn more about Omni with our guides

Adviser Guide

Our adviser guide provides you with all the key details and features that come with Omni and Omni Interest Reward.

Find out more >

Product Info Sheet

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

Omni Product Info Sheet >

Omni Interest Reward Product Info Sheet >

Why choose Omni?

It's built around the realities you face.

Omni exists because advisers like you asked for more options - more inclusive criteria, higher borrowing potential, and support for clients that don’t always fit other plans.

It reflects our promise to help you help more.

We’re here to back you with products and services that solve real challenges. Omni gives you more ways to deliver better customer outcomes.

It's innovation with your clients in mind.

Omni isn’t just new, it’s necessary. It fills a vital gap in the market and strengthens your toolkit, so you can continue leading the way in later life lending.

Key features

LTVs

Up to
60.4%
of property value.
 

ERCs

A short fixed early repayment charge period of just 6 years.

Overpayments

Make overpayments of up to 15% per year ERC-free.

Age Range

Available for clients aged 55 to 89.

Property value

up to
£3.5m

Omni Interest Reward

Your client could benefit from a discounted interest rate by committing to regular monthly payments with Omni Interest Reward.

Find out more here

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Helpful Omni downloads

Product guide

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

Download

Lending criteria

A clear breakdown of Omni’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 Omni 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 Omni’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 Omni’s high LTVs, helping you find the right fit early on.

 

Find out more

Retained equity tool

Show clients how Omni’s market-leading 15% ERC-free overpayment allowance could help them manage costs.

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 Omni 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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