Capital Choice

Our Capital Choice Plan allows for up to 10% of the capital to be repaid each year, with no Early Repayment Charges.

  • Make up to 10% capital repayments each year, without penalty
  • Loans from £15,000 - £1,500,000
  • Loan to Values from 20% to 55%
  • Available to homeowners aged between 55 and 95
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Capital Choice Plus

Our Capital Choice Plus Plan allows for up to 10% of the capital to be repaid each year, with no Early Repayment Charges.

  • Make up to 10% capital repayments each year, without penalty
  • Loans from £15,000 - £1,500,000
  • Loan to Values from 28% to 43%
  • Available to homeowners aged between 60 and 75
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Maximum Choice

Our Maximum Choice Plan allows for up to 12% of the capital to be repaid each year, with no Early Repayment Charges.

  • Make up to 12% capital repayments each year, without penalty
  • Loans from £10,000 - £1,000,000
  • Loan to Values from 25.5% to 54%
  • Available to homeowners aged between 55 and 95
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Tailored Choice

Our Tailored Choice Plan provides a medically underwritten lending solution, with one of the best drawdown facilities on the market.

  • Simple underwriting process, just 13 straightforward health and lifestyle questions
  • Guaranteed Inheritance Feature as standard
  • Loans from £10,000 - £600,000 (Location dependent)
  • Available to homeowners aged 55+ (available to ages 76+ on no cashback plan only)
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Flexi Choice Drawdown

Our Flexi Choice plan allows you to take one or a series of lump sum payments

  • Make capital repayments of up to 10% each year without penalty
  • Loan to Values from 15% to 42%
  • Loans from £10,000 to £460,000
  • Available to homeowners aged between 55 and 84
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Flexi Choice Drawdown Lite

Our Flexi Choice Drawdown Lite Plan is a drawdown lifetime mortgage with a competitive rate of interest

  • Make capital repayments of up to 10% each year without penalty
  • Loan to Values from 10% to 37%
  • Loans available from £10,000 to £460,000
  • Available to homeowners aged between 55 and 84
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Flexi Choice Super Lite

Our Flexi Choice Super Lite Plan is a lump sum lifetime mortgage which allows some of the capital to be repaid without penalty.

  • Make capital repayments of up to 10% each year without penalty
  • LTVs from 5% to 32%
  • Loans available from £10,000 to £460,000
  • Available to homeowners aged between 55 and 84
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Flexi Choice Lump Sum

Our Flexi Choice Lump Sum Plan is a lump sum lifetime mortgage which provides you with the flexibility to repay some of the capital without penalty.

  • Make capital repayments of up to 10% each year without penalty
  • Loan to values from 15% to 42%
  • Loans from £10,000 to £460,000
  • Available to homeowners aged between 55 and 84
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Flexi Choice Lump Sum Lite

Our Flexi Choice Lump Sum Lite Plan is a lump sum lifetime mortgage which allows for flexible repayments and features low Loan to Values.

  • Make capital repayments of up to 10% each year without penalty
  • Loan to Values from 10% to 37%
  • Loans from £10,000 to £460,000
  • Available to homeowners aged between 55 and 84
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