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Emerald Lifetime Mortgages

Get Started With Emerald

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.

Discover if Emerald suits your clients' requirements.

Application documents

Get everything you need to guide your clients through application and additional services.

General documents

Easily check necessary considerations and find helpful resources for your clients.

Loans

Review if our Emerald lifetime mortgages meet your clients’ financial objectives.

Client ages

Client ages

55 - 89*

*+364 days
Loans from

Loans from

£10k - £2m

Max. LTVs

Max. LTVs

23.00% - 49.00%

Age dependent
Early repayment charges

Early repayment charges

12% ERC-free

Up to 12% optional partial repayments, with a maximum of 12 repayments a year.
Emerald product background
Update

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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Features

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 or ask Lenny, our AI-driven lending criteria assistant.

Customer emerald profile
Typical Emerald customer

Meet Ava and Daniel, aged 73, looking to clear their mortgage

Ava and Daniel live in a home valued at £367,000. An Emerald lifetime mortgage could provide a lump sum of £96,000, helping Ava and Daniel to clear their interest-only mortgage and enjoy their pension income.

Emerald is designed for clients like Ava and Daniel who value freedom and the ability to plan their future:

  • 7-year fixed ERCs, giving them future options should circumstances change
  • A minimum £500 drawdown, so they can flexibly release money
  • Check account balance via MyPure and make optional partial repayments online

If you have clients in a similar situation as Ava and Daniel, log into our adviser portal and create a KFI.

Create a KFI

Disclaimer: Customer profile is for illustrative purposes only and based on Pure Retirement's 2025 figures.

Does the Emerald range meet your clients' loan requirements?

We're committed to delivering personalised assistance through dedicated Telephone BDMs and Underwriters, ensuring you can effectively match your clients with the right lifetime mortgage. Discuss your case with us in more detail.

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