Can I apply?

Can I apply for a home finance product?

Find out if you can apply for our home finance products. Taking out a mortgage is a long-term commitment, so it’s a good idea to discuss it with your family before speaking to a financial adviser. 

Lifetime Mortgage

You’ll need to meet the following eligibility to apply for a main residence Lifetime Mortgage with us:

  • You must own the property
  • You must be a UK resident
  • You must be aged 55 or older
  • Your property must be in England, Scotland or Wales
  • Your property must be your main residence or your second home.

We might have extra requirements relating to your personal circumstances and your property. For example, the type of property you own might come with some extra restrictions. Your financial adviser will be able to explain this in more detail. 

Find out more about our Lifetime Mortgages.

How much can I borrow?

The amount you can borrow depends on your age and the value of your property. If you’re borrowing the money with somebody else, the amount will depend on the age of the youngest borrower. We’ll arrange an independent valuation in order to get an accurate value for your property.

Use our Equity Release Calculator to find out how much you can borrow.

Next steps

Find an adviser

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

Find a Financial Adviser

Customer support

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

Customer support

Get in touch

Call customer services

0800 068 0212

or send an email

Monday – Friday 9am to 5pm

Other contacts