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.

Please click below for further information.

Temporary Product Withdrawal
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