Later Life Mortgages

We’re proud to have a common sense approach to lending – with each case being manually underwritten. This means that throughout the process, we’re able to offer flexibility to support you and your clients with direct access to an underwriter.


Our mortgages

You can mark products as favourites, allowing you to gather all your favourited items for a comparison.

Later Life - 2 Year Discount 60% LTV

Initial Interest Rate

5.74%

Maximum Loan To Value (LTV)

60%

Overall Cost for Comparison

7.90%

Product Code

IP211

The following is a representative example based on a mortgage of £178,487 payable over 25 years initially on a discounted variable rate of 5.74% for 2 years, a further discounted rate of 7.24% for 4 years, followed by our Standard Variable Rate of 8.49%. In this example you would make 24 monthly payments of £1,121.79, 48 payments of £1,278.99 and 228 monthly payments of £1,399.77.

The total amount payable would be £408,786.04 made up of the loan amount plus interest of £228,975.04 and the following costs, a Scheme Fee of (£999.00), a Chaps/Telegraphic Transfer fee (£25.00), a Valuation Fee (£225.00), and a Mortgage Exit Administration Fee (£75.00).

The overall cost for comparison is 7.9% APRC representative.

Note: What you will pay may vary from this and will depend on your personal circumstances.

Later Life - 2 Year Discount 75% LTV

Initial Interest Rate

6.74%

Maximum Loan To Value (LTV)

75%

Overall Cost for Comparison

8.10%

Product Code

IP238

The following is a representative example based on a mortgage of £178,487 payable over 25 years initially on a discounted variable rate of 6.74% for 2 years, a further discounted rate of 7.24% for 4 years, followed by our Standard Variable Rate of 8.49%. In this example you would make 24 monthly payments of £1,232.06, 48 payments of £1,285.83 and 228 payments of £1,407.27.

The total amount payable would be £413,445.84 made up of the loan amount plus interest of £233,659.84 and the following costs, a Scheme Fee of (£999.00), a Chaps/Telegraphic Transfer fee (£25.00), a Valuation Fee (£200.00), and a Mortgage Exit Administration Fee (£75.00).

The overall cost for comparison is 8.1% APRC representative.

Note: What you will pay may vary from this and will depend on your personal circumstances.

Later Life - 2 Year Discount 60% LTV Remortgage

Initial Interest Rate

5.74%

Maximum Loan To Value (LTV)

60%

Overall Cost for Comparison

7.90%

Product Code

IP239

The following is a representative example based on a mortgage of £178,487 payable over 25 years initially on a discounted variable rate of 5.74% for 2 years, a further discounted rate of 7.24% for 4 years, followed by our Standard Variable Rate of 8.49%. In this example you would make 24 monthly payments of £1,121.79, 48 payments of £1,278.99 and 228 monthly payments of £1,399.77.

The total amount payable would be £408,786.04 made up of the loan amount plus interest of £228,975.04 and the following costs, a Scheme Fee of (£999.00), a Chaps/Telegraphic Transfer fee (£25.00), a Valuation Fee (£225.00), and a Mortgage Exit Administration Fee (£75.00).

The overall cost for comparison is 7.9% APRC representative.

Note: What you will pay may vary from this and will depend on your personal circumstances.

Later Life - 2 Year Discount 75% LTV Remortgage

Initial Interest Rate

6.74%

Maximum Loan To Value (LTV)

75%

Overall Cost for Comparison

8.10%

Product Code

IP240

The following is a representative example based on a mortgage of £178,487 payable over 25 years initially on a discounted variable rate of 6.74% for 2 years, a further discounted rate of 7.24% for 4 years, followed by our Standard Variable Rate of 8.49%. In this example you would make 24 monthly payments of £1,232.06, 48 payments of £1,285.83 and 228 payments of £1,407.27.

The total amount payable would be £413,445.84 made up of the loan amount plus interest of £233,659.84 and the following costs, a Scheme Fee of (£999.00), a Chaps/Telegraphic Transfer fee (£25.00), a Valuation Fee (£200.00), and a Mortgage Exit Administration Fee (£75.00).

The overall cost for comparison is 8.1% APRC representative.

Note: What you will pay may vary from this and will depend on your personal circumstances.