more 2 life

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More choice

The opportunity in the UK later life lending market is growing rapidly, as more people look at their property as a potential source of funds. As an adviser it’s an exciting time to be part of this market as there’s more choice than ever before.

Working exclusively with qualified equity release advisers, we are committed to helping your clients achieve the retirement they truly deserve. In 2019, we secured our fifth funder and launched a range of new products and variants, bringing the total to more than 80 plans - one of the widest selections on the market. Highlights include:

  • Interest rates from under 3.0% MER
  • LTVs available up to 56%

Together with innovations in lending features, it’s easier than ever to offer your clients aged over 55 flexible borrowing solutions to match their needs.

More support

Advisers have voted for five years in a row to provide us with five 5* FASAs, as well as giving us an ‘Excellent’ rating on independent review site, Trustpilot. So you can be confident that we will provide you and your clients with award-winning service. You can enjoy:

  • Dedicated adviser support – a team of Business Development Managers and Telephone Account Managers assigned specifically to you, and support staff are all on hand to answer your questions and help you and your business
  • Super-quick applications – fully digital process for submitting cases via fastpath, our online portal

Your time is precious and is best spent working directly with your clients. That’s why we have created an extensive range of FREE learning resources and tools you can access online 24/7. Go to tools »

Take a look at our

  • CII-accredited webinars – earn accredited CPD points for free as you learn about everything from our modern lending features to generating leads. Go to webinars »
  • Learning Lab – a digital library packed full of informative downloads, research documents, infographics and videos. Go to Learning Lab »
  • Tools and calculators – Researching the best plan for your equity release clients is quick and easy with the help of our online calculators. Go to calculators »

More for your clients

With the needs of today’s over 55s at heart our range modern lifetime mortgages give your clients more options, more control and more protection than ever before. At no extra cost, your clients can benefit from:

  • Inheritance protection – a percentage of the home’s future value can be protected for loved ones, as long as they don’t take the maximum loan available
  • Optional partial repayments – up to 12% of the initial loan amount can be repaid each year, ERC-free
  • Fixed ERCs – your clients can assess the benefits and risks of early repayment, as they will always know how much it would cost them to repay their loan
  • ERC exemption – in joint cases, the remaining client can repay their loan ERC-free within 3 years of the death or admission into long-term care of the first client
  • Downsizing protection – the loan can be repaid ERC-free if the loan cannot be ported to the new property due to lending criteria at the time

    Please note: Features vary by plan

    With more choice than ever before, and record-breaking rates and LTVs, there’s never been a better time to work with us.

    Getting started

    Working with us is easy thanks to our simplified registration process and super-fast online portal - fastpath, so you can focus on what’s important…giving the best advice to your clients.

    To quote for our lifetime mortgages, you'll need to register with us to produce a Key Facts Illustrations (KFI). 


    Once you are registered and have produced your KFI our market-leading portal delivers one of the quickest KFI to completion processes available. Plus we pay commission twice a week to accelerate the time it takes to get your money in the bank. Find out how our portal is the best in market ».

    We look forward to working with you!