Product Solutions

Heritage Freedom 40

  • Loans from £10,000 - £800,000
  • Max Property Value
    No maximum property value****
  • LTVs from 22.45 – 54.6%
  • Drawdown facility available
  • Partial repayments up to 40% of loan annually
  • Fixed ERCs

Heritage

  • Loans from £10,000 - £800,000
  • Max Property Value
    No maximum property value***
  • LTVs from 22.45 – 54.6%
  • Drawdown facility available
  • Partial repayments up to 10% of loan annually
  • Fixed or Variable ERCs

Sovereign

  • Loans from £10,000*
  • Max Property Value
    No maximum property value**.
  • LTVs from 3.5 – 52%
  • Drawdown facility available
  • Elite range available
  • Fixed ERCs

Classic

  • Loans from £10,000 - £1.85 million
  • Max Property Value
    £5 million
  • LTVs from 5% - 54%
  • Drawdown facility available
  • Partial repayments up to 10% of loan annually
  • Elite range available

Heritage Range Freedom 40

Heritage Freedom 40 logo
With up to 40% ERC free repayments, fixed ERCS and lump sum or drawdown available.

Fixtures:

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

Loans from:

£10,000 - £800,000

Extras:

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

LTVs:

22.5% to 54.60%

Property Value:

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

Available to clients aged:

55 to no max

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 - £800,000

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 40 option – allows up to 40% overpayments

LTVs:

22.45% to 54.60%

Property Value:

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

Available to clients aged:

55 to no max

Sovereign Range

Sovereign Range logo
Offering wide ranging underwriting criteria and a range of LTV tiers, either as a lump sum or drawdown, accommodating both higher loan requirements and high property value.

Fixtures:

  • 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

LTVs:

3.5 – 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

NEW: Introducing Direct Debits on our Classic range of Lifetime mortgages. Helping customers to schedule up to 12 monthly repayments per year, from the product’s allowance of 10% ERC-free repayments

Classic Range logo
Offering some of the lowest rates in the market, available as either a lump sum or drawdown and allowing ERC free partial repayments. Limited Distribution Panel.

Fixtures:

  • 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 £1.85 million for Elite Range

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:

LTVs: 5% - 54%

Property Value:

£125,000 - £2 million
Refer if over £1 million
Up to £5 million for Elite Range

Available to clients aged:

55 to 84

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