Later Life Lending mortgage range

For purchase and remortgage

• Lending to over 55 year olds, with terms up to the age of 99
• Multiple product options including a 10 year fixed rate from 3.98% with no ERCs after 5 years and a term variable product with no ERCs

For more information visit our Later Life Lending page.

Standard mortgage range level 1

For purchase and remortgage:

• Now with reduced rates, in addition to more flexibility for self-employed mortgage applicants, with just 1 year of accounts considered.

Standard mortgage range level 2 and 3

Tiered pricing for credit worthy applicants who do not currently fit our standard lending criteria, ensuring your clients get the best mortgage available to them.

For more information visit our Level 2 and 3 page.

High LTV range

For purchase and remortgage:

• Mortgages up to 95% LTV for first time buyers and home movers.
• Fee free remortgaging available up to 90% LTV for clients with low equity.

For more information, visit our High LTV page.

Help to Buy: equity loan and London Help to Buy scheme

For new-build property purchases only:

• Free valuations and no product fee options available
• Applicants provide a minimum of 5% deposit and are then supported by a government-backed loan of up to 20% (up to 40% in London) and a mortgage for the remaining loan amount up to 75% LTV.

100% LTV Family Guarantee Mortgage Range

For purchases only:

• For applicants who have little or no deposit, but do have a family member able and willing to provide a guarantee secured against their own residential property.