Product Solutions

Heritage Freedom Range

  • Loans from £10,000 - £1 million
  • Max Property Value
    No maximum property value****
  • LTVs from 23.50 - 53.50%
  • Drawdown facility available
  • Partial repayments ERC free up to 20% or 40% of loan annually
  • Fixed ERCs

Heritage

  • Loans from £10,000 - £1 million
  • Max Property Value
    No maximum property value***
  • LTVs from 23.50 – 56.00%
  • Drawdown facility available
  • Partial repayments up to 10% of loan annually
  • Fixed or Variable ERCs

Sovereign

  • Loans from £10,000 - £2 million
  • Max Property Value
    No maximum property value**.
  • LTVs from 3.50 – 52%
  • Drawdown facility available
  • Partial repayments up to 10% of loan annually via monthly direct debits
  • Fixed ERCs

Classic

  • Loans from £10,000 - £2 million
  • Max Property Value
    No maximum property value
  • Maximum LTVs 27 - 54%
  • Drawdown facility available
  • Partial repayments up to 10% of loan annually via monthly direct debits
  • Rates personalised for your customer

Heritage Freedom Range

Heritage Freedom Range logo
Freedom 20 and Freedom 40 allow up to 20% or 40% ERC free optional repayments, and 12 payments can be made within a year. Both come with fixed ERCs, and a choice of either lump sum or drawdown facilities.

Fixtures:

  • ERC free repayments up to 20% or 40% of advances
  • Fixed ERCs
  • Mortgage Porting available
  • ERC exemption for joint plans on death of the first customer

Loans from:

£10,000 - £1 million

Extras:

  • Drawdown facility available
  • Free valuation
  • Legal fees contribution as standard

LTVs:

23.50% to 53.50%

Property Value:

£70k – No maximum
**** refer to Pure if over £2m

Available to clients aged:

55 to 80

Heritage Range

Heritage Range logo
With mid to high LTVs and lump sum or drawdown available, ERC free partial repayments are allowed, along with a choice of either Fixed or Variable ERCs.

Fixtures:

  • Choice of Fixed or Variable (GILT based) ERCs
  • ERC free partial repayments allowed
  • Mortgage Porting available
  • ERC exemption for joint plans on death of the first customer

Loans from:

£10,000 - £1 million

Extras:

  • Drawdown facility available
  • Free valuation for initial advances for properties up to £2 million
  • Legal fees contribution as standard
  • 2% cashback available
  • Heritage Freedom option - allows up to 20% or 40% ERC free overpayments

LTVs:

23.50% to 56.00%

Property Value:

£70k – No maximum
*** refer to Pure if over £2m

Available to clients aged:

55 to 85

Sovereign Range

Sovereign Range logo
Offering wide ranging underwriting criteria, and accommodating higher loan and property value requirements. Direct debits available helping customers schedule up to 12 repayments per year, with a 10% ERC-free partial repayment allowance.

Fixtures:

  • ERC-free partial repayments allowed
  • Fixed ERCs
  • Downsizing protection
  • Mortgage Porting available

Loans from:

Loans from: £10,000 - £2 million.
* Refer if over £1 million

Extras:

  • Drawdown facility available
  • Free valuation for initial advances for properties below £2 million
  • Legal fees contribution as standard
  • 3% cashback available
  • Monthly direct debits available for partial repayments

LTVs:

3.50 – 52%

Property Value:

£70k – no maximum
** refer to Pure if over £6 million

Available to clients aged:

55 to 90 (dependent on product)

Classic Range

Introducing Classic Flexible Pricing offering customers a personalised quote based on several factors including age, loan amount, property type and postcode. The flexible pricing option is available on two new products, Classic Lumpsum Flex and Classic Drawdown Flex.

Classic Range logo
Offering some of the lowest lifetime mortgage rates in the market and a unique, personalised quote depending on the clients exact borrowing requirements. Direct debits available helping customers schedule up to 12 repayments per year, from the product’s allowance of 10% ERC-free partial repayments. Limited Distribution Panel.

Fixtures:

  • Personalised quote based on loan amount, age, property value, property type and location
  • Fixed ERCs
  • ERC free partial repayments allowed
  • Downsizing protection
  • Mortgage Porting available
  • ERC exemption for joint plans on death of the first customer

Loans from:

£10,000 - £1 million
Up to £2 million for Elite products

Extras:

  • Drawdown facility available
  • Free valuation for initial advances for properties below £2 million
  • Arrangement fee free option
  • Monthly direct debits available for partial repayments

LTVs:

Maximum LTVs: 27% - 54% depending on age

Property Value:

£125,000 - £2 million for standard range (refer over £1 million)
No maximum property value for Elite products

Available to clients aged:

55 to 84

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