Emerald Lifetime Mortgages
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Our Emerald lifetime mortgages allow clients to access high LTVs combined with the flexibility to be able to make optional partial repayments up to 12% annually without incurring any early repayment charges (ERCs). These can be made annually ERC free via Direct Debit. Emerald has 7-year fixed ERCs and has no upfront initial loan fees.
Key documents
Our Emerald products are available as lump sum or drawdown mortgages that are suitable for single and joint applicants.
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Product documents
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Application documents
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General documents
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Loans
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Client ages
55 - 89*
Loans from
£10k - £1.5m
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Max. LTVs
23.50% - 49.50%
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Early repayment charges
12% ERC-free
Our Emerald lifetime mortgages offer customers aged 55-89* the option to repay up to 12% ERC-free.
(*Maximum age of 89 +364 days at completion)
Contact your local Business Development Manager for full details.
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Provide your clients with the loan features they need to enjoy their later life.
Lending criteria highlights
Here’s a selection of lending criteria highlights, to view the full criteria please refer to our Emerald lending criteria.