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Capital Choice

Our Capital Choice Plan allows 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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Capital Choice Plus

Our Capital Choice Plus Plan allows clients aged between 60 and 75 to have a lifetime mortgage with the ability to make capital repayments without penalty, and the added benefit of increased LTVs.

  • Clients can make up to 10% capital repayments each year, with no ERCs
  • Loans from £15,000 - £1,500,000
  • LTVs from 28% to 43%
  • Available to clients aged between 60 and 75
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Flexi Choice Drawdown

Our Flexi Choice Drawdown Plan allows clients to take one or a series of lump sum payments

  • Clients can make up to 10% capital repayments each year with no ERCs
  • LTVs from 15% to 42%
  • Loans from £20,000 to £420,000
  • Available to clients aged between 55 and 80
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Flexi Choice Drawdown Lite

Our Flexi Choice Drawdown Plan allows clients to take one or a series of lump sum payments, and also has a competitive rate of interest

  • Clients can make up to 10% capital repayments each year with no ERCs
  • LTVs from 10% to 37%
  • Loans available from £20,000 to £420,000
  • Available to clients aged between 55 and 80
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Flexi Choice Super Lite

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

  • Clients can make up to 10% capital repayments each year with no ERCs
  • LTVs from 6% to 32%
  • Loans available from £20,000 to £420,000
  • Available to clients aged between 55 and 80
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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 and over
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