Emerald Product Range in Detail

Customers can enjoy high LTVs and the option of 4% cashback on the Emerald range via a personalised quote depending on the client's exact borrowing requirements. Up to 12% ERC-free partial repayments can be made via Direct Debits with the security of fixed ERCs.

Go Green with Emerald

In celebration of our new Emerald product range and our environmental commitment to Yorkshire, we have partnered with the Yorkshire Dales Millennium Trust to donate 50 trees for the first 50 completed Emerald Lifetime mortgage cases. Find out more about the Yorkshire Dales Millennium Trust here

Emerald Range Logo
  • No negative equity guarantee
  • Downsizing protection
  • ERC free repayments
  • Partial repayments
  • Fixed ERCs
  • Cashback available
  • Direct Debits

Conditions and Details

Criteria Information
Personalised Quote Customers will recieve a unique quote based on their loan amount, age, property value, property type and location. Log into our KFI Portal to get an exact quote for your customer.
Age limits Minimum Age: 55
Maximum Age: 95
Property Location England, Wales and Mainland Scotland
Property Value Minimum Property Value: £120,000 (£150,000 if ex-local authority)
Max Property Value: £2 million in England (£1 million in Scotland and Wales)
Loan Size Minimum Loan Size: £10,000 (cashback products £20,000)
Max Loan Size: £950,000
Drawdown Facility Both lump sum and drawdown products are available
Minimum Drawdown Facility: No minimum
Maximum Drawdown Facility: Dependent on the maximum loan-to-value for the customer
Minimum release from drawdown facility: £500
Cashback 4% cashback of the initial loan amount is available on selected products
Partial Repayments Up to 12 payments can be made up to 12% of the advance amount per year early repayment charge (ERC) free. The minimum partial repayment amount is £50.
Loan to Values (LTVs) Maximum LTV is 29.50% - 57.50% depending on age
Early Repayment Charges (ERCs) Early Repayment Charges are fixed. For more details, please see the ERC guide.
Set up Costs For set-up costs please see the Tariff of Charges.
Porting The lifetime mortgage can be transferred to a new property, subject to it meeting lending criteria at the time.
Downsizing ERC Exemption If the intial advance has completed over 5 years ago and the new property does not meet the prevailing lending criteria, then the borrower(s) may repay the entire loan ERC-free.
Direct Debits Monthly Direct Debits of a regular amount can be set up for partial repayments on these products. Direct Debits Logo

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Emerald Bitesize Overview

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