Whether it means finding the cash to create a more relaxing retirement, paying off existing debts so that you don't have to deal with monthly repayments, or helping other people in your life achieve their goals, we want to help make retirement mean more to you.

We do this by enabling eligible homeowners to take out a lifetime mortgage. That's a loan secured against your home which, typically, won't be repaid until after you've passed away or moved into long-term care.

Our lifetime mortgages allow you to:

  • Maintain 100% home ownership
  • Release a tax-free lump sum of money
  • Continue to live in your property
  • Make no monthly payments
  • Guarantee to have no negative equity in the future
  • Have the right to move home in the future (subject to criteria)

Additional features to protect your home and loved ones

We know how important your home and family are to you, so our lifetime mortgages are packed full of features that make it possible to protect the things that matter. You can choose a plan which enables you to:

  • Guarantee an inheritance
  • Take advantage of flexible repayment options
  • Get early repayment charge exemptions
  • Release additional cash in small lumps, after an initial lump sum
  • Possibly release more money with certain health conditions/ lifestyle choices


A lifetime mortgage is a loan secured against your property. You should always think carefully before securing a loan against your property. We recommend that anybody thinking about going ahead reads 'things to consider' carefully first.