Emerald Lifetime Mortgages
Get started
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.
Product documents
Gain in-depth insights into lending criteria, benefits, and features of the Emerald range.
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
55 - 89*
Loans from
£10k - £1.5m
.svg)
Max. LTVs
23.50% - 49.50%
.svg)
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.
Find BDM.Not registered with us?
Click here to register.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.
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.