Lifestyle Flexible Option
  • Lifestyle Flexi Lifetime Mortgage
  • : 2.73%
    : 2.80%
    : Cashback | Free Valuation | Reduced Application Fee - £5* | Inheritance Guarantee | 10%pa Voluntary Partial Repayments | 3-year No Early Repayment Charge** | Bespoke Interest Rates***


  • Homeowner with a minimum property valuation of £75,000
  • Property located in England, Wales, Scotland & Northern Ireland
  • For flats, 85% of property value will be used
  • Minimum age of youngest homeowner is 55, no maximum age
  • Minimum loan of £15,000, maximum £1m+ (ask for details)


  • Ability to make voluntary partial repayments of upto 10%pa with NO penalty
  • Downsizing protection available after 5 years
  • Option of repaying the interest only element annually requiring NO proof of income
  • Fixed lifetime mortgage interest rate
  • Interest rates based upon personal criteria*
  • No regular payment commitment
  • No negative equity guarantee – can never leave a debt for your beneficiaries
  • Flexible drawdown scheme – ability to have access to a future cash reserve


  • Free valuation option available
  • Choose between £0, £500 or £1000 cashback payable on completion
  • Inheritance Protection – option to protect a percentage of the eventual sale value of the property
  • Enhanced Lifetime Terms – poor health can achieve a lower interest rate
*Interest rate is determined by options selected, personal criteria and UK location