Capital Select Options

Capital Select Options

A flexible way to unlock money from your home

Introducing our Capital Select Options

Make the most of your retirement by unlocking tax-free cash from your home. Our Capital Select Options give 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

Calendar 2
Choose to repay up to 10% each year
Money Bag
Enjoy a one-off, tax-free cash payment
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Add a cash reserve to access money later
Additional Borrowing
Optional 3% cashback

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’re planning to leave an inheritance to your loved ones

This product may not be right for you if:

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

Find an adviser

Also worth knowing

Customer documents

Risk warning

A lifetime mortgage is a loan secured against your home. 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

Other contacts