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Capital Choice

Our Capital Choice Plans allow clients to have a lifetime mortgage, as well as the ability to make capital repayments without penalty.

  • Clients can make up to 10% capital repayments each year, with no ERCs
  • Loans from £15,000 - £1,500,000
  • LTVs from 20% to 55%
  • Available to clients aged between 55 and 95
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Maximum Choice

On our Maximum Choice Plan, clients can repay up to 12% of their loan each year without incurring an Early Repayment Charge.

  • Clients can make up to 12% capital repayments each year, with no ERCs
  • Loans from £10,000 - £1,000,000
  • LTVs from 25.5% to 54%
  • Available to clients 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
  • Loans from £10,000 - £600,000 (Location dependent)
  • LTVs from 25.9% to 55.5%
  • Available to clients aged 55+ (available to ages 76+ on no cashback plan only)
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Flexi Choice

Our Flexi Choice lifetime mortgages give your cleints a competitive interest rate and the flexibility to make captital repayments. They can choose to take either a lump sum one or a series of lump sum payments with our drawdown plan.

  • Clients can make up to 10% capital repayments each year with no ERCs
  • LTVs from 15% to 42%
  • Loans from £10,000 to £460,000
  • Available to clients aged between 55 and 84
Explore Flexi Choice