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At a glance

  • 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 and over

Plan features

Drawdown facility

Unless the full loan amount available is taken, a smaller lump sum can be taken initially and the remainder can be a drawdown facility. There are no time restrictions or fees for accessing the facility and unlimited withdrawals, a minimum of £5,000 must be taken each time.

Guaranteed Inheritance Feature

This feature comes as standard, at no extra cost. If the maximum loan available is not taken, whatever percentage of the available loan that is left unused is the percentage of the future property value which is protected. 


  • Is this plan suitable for me?

    You will need to speak to an adviser who specialises in equity release first to see if equity release is the right soluton for you. We have listed some of the things to consider before taking out equity release here, but your adviser will be able to make a suitable recommendation based on your personal circumstances.

  • What lifestyle and health conditions are covered?

    Being overweight, smoking, high blood pressure, Diabetes, Strokes, Parkinson's Disease, cancer - excluding skin cancer, heart attacks, Angina, Multiple Sclerosis and taking early retirement on the grounds of ill health

  • Is a medical examination required?

    No. A medical examination is not required. A cross-section of cases are selected at random and a General Practitioner's Report is required to verify the conditions stated. A Smoker's Report may be required.

  • How can the drawdown facility be accessed?

    Drawdowns can be made for the remaining facility at any time, but must be at least £5,000. There is no fee for accessing the facility, but there is a £35 Funds Transfer fee to be paid.
    Click here for the Drawdown form.

  • Is it possible to move home?

    All of our plans are portable, meaning that the plan can be transferred to a new home without financial penalty, as long as the new property meets the requirements of our lending criteria. If the new property is lower in value, or the original loan amount, plus interest, is greater than the LTV on the new property, some of the mortgage may need to be repaid. See our Tariff of Charges for details.


Tailored Choice

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


Capital Choice

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


Flexi Choice Drawdown

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


Flexi Choice Drawdown Lite

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


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.