Lifetime mortgages

Lifetime Mortgages Flexibly Designed

Explore our wide range of lifetime mortgages to responsibly release equity for your clients and assist them in achieving their financial goals and objectives. We simplify later life lending with outcomes-based products tailored to consumer needs.

Senior couple consulting with financial advisor

Products

Unlock their later life finance goals

Guide your clients through their later life borrowing options and create personalised quotes for them.

View product-specific documents via our product pages.

Underwriting criteria

Sovereign

Wide-ranging LTVs and underwriting criteria, with up to 12 repayments a year.

Max LTVs

38.5%

Underwriting criteria

Sovereign

Wide-ranging LTVs and underwriting criteria, with up to 12 repayments a year.

Max LTVs

38.5%

No upfront fees

Classic

Some of the most competitive rates, and a wide range of LTVs.

Max LTVs

48%

No upfront fees

Classic

Some of the most competitive rates, and a wide range of LTVs.

Max LTVs

48%

Interest servicing available

Heritage

Lump sum and drawdown products, plus the option to service interest.

Max LTVs

55.9%

Interest servicing available

Heritage

Lump sum and drawdown products, plus the option to service interest.

Max LTVs

55.9%

7-year fixed ERCs

Emerald

High LTVs with up to 12% ERC-free partial repayments.

Max LTVs

49.5%

7-year fixed ERCs

Emerald

High LTVs with up to 12% ERC-free partial repayments.

Max LTVs

49.5%

Underwriting criteria

Sovereign

Wide-ranging LTVs and underwriting criteria, with up to 12 repayments a year.

Max LTVs

38.5%

Underwriting criteria

Sovereign

Wide-ranging LTVs and underwriting criteria, with up to 12 repayments a year.

Max LTVs

38.5%

No upfront fees

Classic

Some of the most competitive rates, and a wide range of LTVs.

Max LTVs

48%

No upfront fees

Classic

Some of the most competitive rates, and a wide range of LTVs.

Max LTVs

48%

Interest servicing available

Heritage

Lump sum and drawdown products, plus the option to service interest.

Max LTVs

55.9%

Interest servicing available

Heritage

Lump sum and drawdown products, plus the option to service interest.

Max LTVs

55.9%

7-year fixed ERCs

Emerald

High LTVs with up to 12% ERC-free partial repayments.

Max LTVs

49.5%

7-year fixed ERCs

Emerald

High LTVs with up to 12% ERC-free partial repayments.

Max LTVs

49.5%

Product features as standard

Our lifetime mortgages feature fixed and flexible pricing options.

No negative equity guarantee
Single and / or joint applications
Mortgage porting available
Ad hoc or monthly optional partial repayments

Discover how we develop our lifetime mortgages by reviewing our target market and product fair value statements available on our consumer duty page.

Quickly compare our lifetime mortgages with ease

Features	Product Select 6 variations Product Select Get started	Product Select 6 variations Product Select Get started	Product Select 6 variations Product Select Get started
Loan amount
Property value
Clients age(s)
Max. LTVs
Flexible pricing
Interest servicing
Drawdown facility
Optional partial repayments
Fixed ERCs
Cashback (on selected products)

Features	Product Select 6 variations Product Select Get started	Product Select 6 variations Product Select Get started
Loan amount
Property value
Clients age(s)
Max. LTVs
Flexible pricing
Interest servicing
Drawdown facility
Optional partial repayments
Fixed ERCs
Cashback (on selected products)

Useful documents

Access documents related to our lifetime mortgages. For product-specific documents, visit the individual product pages.

Verifying customer ID documents

New build purchase explainer

Further advance process flow

About Pure Retirement

Our guide summarises which proof of ID documentation your client is required to provide on application for our lifetime mortgages.

Streamline application for your clients.

Tools & resources

Achieve more with time-saving tools and resources

As specialist lifetime mortgage providers, we equip equity release advisers with the tools and resources necessary to support your clients.

View all resources View academy

Calculators

Use our calculators to illustrate how clients can benefit from making repayments plus what loan amount they can secure.

Get started

Criteria search

Easily search through our extensive lifetime mortgage lending criteria with our powerful criteria search tool.

Criteria search

Any questions?

Did you find the answers you need? Talk to us directly about our lifetime mortgages so we can help you find the best solution for your clients.