Equity Release & Retirement Mortgage Rates

For existing borrowers only

Loan to Value Table

We will be temporarily closing to new business across all mortgage products from 5pm on Thursday 16th June.

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Temporary Product Withdrawal

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Equity Release (Additional Borrowing only) Retirement Mortgage (Additional Borrowing only)
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Depends on age 52%
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Lifetime 2 year 5 year
Click icon Initial Rate (AER) Initial Rate Period Product Product Type Reversion Rate Lender Fee ERC Max LTV Product Code
Apply 3.81% Lifetime Equity Release Mortgage Equity Release (Additional Borrowing only) N/A £250 Variable ERC + fixed ERC (Year 1 = 5%, Year 2 = 4%, Year 3 = 3%, Year 4 = 2%, Year 5 = 1%) Depends on age 50692
Apply 3.91% Lifetime Equity Release Mortgage (Fee Free) Equity Release (Additional Borrowing only) N/A £0 Variable ERC + fixed ERC (Year 1 = 5%, Year 2 = 4%, Year 3 = 3%, Year 4 = 2%, Year 5 = 1%) Depends on age 50693
Apply 4.21% Lifetime Equity Release Mortgage Plus Equity Release (Additional Borrowing only) N/A £250 Variable ERC + fixed ERC (Year 1 = 5%, Year 2 = 4%, Year 3 = 3%, Year 4 = 2%, Year 5 = 1%) Depends on age 50694
Apply 4.31% Lifetime Equity Release Mortgage Plus (Fee Free) Equity Release (Additional Borrowing only) N/A £0 Variable ERC + fixed ERC (Year 1 = 5%, Year 2 = 4%, Year 3 = 3%, Year 4 = 2%, Year 5 = 1%) Depends on age 50695
Apply 3.95% 2 year 2 year fixed Retirement Mortgage (Additional Borrowing only) 4.60% £250 Years 1-2 = 3% 52% 50446
Apply 4.15% 5 year 5 year fixed Retirement Mortgage (Additional Borrowing only) 4.60% £250 Year 1 = 5%, Year 2 = 4%, Year 3 = 3%, Year 4 = 2%, Year 5 = 1% 52% 50487
Apply 4.11% Lifetime Equity Release Mortgage (V1) Equity Release (Additional Borrowing only) N/A £0 Year 1 = 5%, Year 2 = 5%, Year 3 = 5%, Year 4 = 5%, Year 5 = 4%, Year 6 = 3%, Year 7 = 2%, Year 8 = 1% Depends on age 50684
Apply 4.01% Lifetime Equity Release Mortgage (V2) Equity Release (Additional Borrowing only) N/A £250 Year 1 = 5%, Year 2 = 5%, Year 3 = 5%, Year 4 = 5%, Year 5 = 4%, Year 6 = 3%, Year 7 = 2%, Year 8 = 1% Depends on age 50685
Apply 3.91% Lifetime Equity Release Mortgage (V3) Equity Release (Additional Borrowing only) N/A £0 Variable ERC + fixed ERC (Year 1 = 5%, Year 2 = 5%, Year 3 = 5%, Year 4 = 5%, Year 5 = 4%, Year 6 = 3%, Year 7 = 2%, Year 8 = 1%) Depends on age 50686
Apply 3.81% Lifetime Equity Release Mortgage (V4) Equity Release (Additional Borrowing only) N/A £250 Variable ERC + fixed ERC (Year 1 = 5%, Year 2 = 5%, Year 3 = 5%, Year 4 = 5%, Year 5 = 4%, Year 6 = 3%, Year 7 = 2%, Year 8 = 1%) Depends on age 50687
Apply 4.51% Lifetime Equity Release Mortgage Extended LTV (V1) Equity Release (Additional Borrowing only) N/A £0 Year 1 = 5%, Year 2 = 5%, Year 3 = 5%, Year 4 = 5%, Year 5 = 4%, Year 6 = 3%, Year 7 = 2%, Year 8 = 1% Depends on age 50688
Apply 4.41% Lifetime Equity Release Mortgage Extended LTV (V2) Equity Release (Additional Borrowing only) N/A £250 Year 1 = 5%, Year 2 = 5%, Year 3 = 5%, Year 4 = 5%, Year 5 = 4%, Year 6 = 3%, Year 7 = 2%, Year 8 = 1% Depends on age 50689
Apply 4.31% Lifetime Equity Release Mortgage Extended LTV (V3) Equity Release (Additional Borrowing only) N/A £0 Variable ERC + fixed ERC (Year 1 = 5%, Year 2 = 5%, Year 3 = 5%, Year 4 = 5%, Year 5 = 4%, Year 6 = 3%, Year 7 = 2%, Year 8 = 1%) Depends on age 50690
Apply 4.21% Lifetime Equity Release Mortgage Extended LTV (V4) Equity Release (Additional Borrowing only) N/A £250 Variable ERC + fixed ERC (Year 1 = 5%, Year 2 = 5%, Year 3 = 5%, Year 4 = 5%, Year 5 = 4%, Year 6 = 3%, Year 7 = 2%, Year 8 = 1%) Depends on age 50691