Product Home Finance Over 55 BTL Voluntary 680X392

Over 55 Buy-to-Let Voluntary Select

Our flexible later life buy-to-let mortgage

Introducing our Over 55 Buy-to-Let Voluntary Select Option

Make the most of your retirement by unlocking tax-free cash from your buy-to-let property portfolio. Available to landlords aged over 55, our Buy-to-Let Voluntary Select Option gives you the flexibility to make repayments when it suits you. You can choose to repay up to 10% of your loan each year and there’s no penalty if you decide not to make repayments.

Key benefits

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Choose to repay up to 10% each year
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Enjoy a one-off, tax-free cash payment
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No minimum income requirements
Financial Adviser
No affordability assessments

Is it right for me?

This product may be right for you if:

  • You want the flexibility to choose when to make payments and how much you repay each year
  • You’re looking to pay back all of the interest and some of your loan each year
  • You don’t want to make regular monthly payments
  • You don’t want to face penalties for not making payments
  • You’re concerned about the impact of interest building up and reducing the equity in your property
  • You own one or more buy-to-let properties

The product may not be right for you if:

  • You’d like to make regular monthly interest payments
  • You’re not intending to make any payments throughout the life of the loan
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Need an adviser?

Get a tailored quote for this product from a financial adviser. To find one, visit the Equity Release Council.

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Also worth knowing

Customer documents

Risk warning

An Over 55 Buy-to-Let mortgage is a loan secured against your property. It will reduce the amount of inheritance you leave and may affect your tax position and entitlement to welfare benefits.

Next steps

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Find an adviser

Get a tailored quote for this product from a financial adviser. To find one, visit the Equity Release Council.

Find an adviser
Your Investment Choices Cogworks Extended Fund Range 432X240

Customer support

Find answers to commonly asked questions, helpful links, tools and contact details.

Customer support
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Get in touch

Call customer services

0800 068 0212

or send an email

Monday – Friday 9am to 5pm

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