Our interest rates and LTVs calculator
Use our calculator to view the latest Home Finance interest rates and loan-to-values (LTVs) available to your clients
For adviser use only
Our award-winning range of Home Finance options allow your clients to release a tax free, cash lump sum from their property.
How it works
Simply enter the required information to generate the options available to your clients.
The LTV will vary depending on your client’s age, if there are two borrowers the LTV available will be based on the younger borrower’s age. Our minimum ages vary from 55 to 60 across our product range.
If your client would like the option of drawing down more money at a later date without needing further financial advice, please select ‘with cash reserve facility’. If they would like to have cashback at completion, you can choose 'with cashback'
| Cash reserve facility - Only available if selected as an additional feature | Your client can access money at a later stage, without the need for further financial advice. There are no fees to pay when making a withdrawal. |
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| Cashback - Only available if selected as an additional feature | Your client can increase the amount they receive at the start of their loan with 3% cashback of the initial loan amount paid on completion. There is no cap or minimum loan amount |
| Downsizing protection | We know life can change, so if your client wants to downsize and repay their mortgage after five years, they won’t need to pay an ERC. |
| Downsizing protection | We know life can change, so if your client wants to downsize and repay their mortgage after five years, they won’t need to pay an ERC. |
| ERC waiver for joint borrowers | If your client repays their loan within three years of the date that the first borrower dies or goes into long-term care, they won’t need to pay an ERC. |
| ERC waiver for joint borrowers | If your client repays their loan within three years of the date that the first borrower dies or goes into long-term care, they won’t need to pay an ERC. |
| Inheritance protection guarantee | Your client can protect a percentage of their property’s future value which can be passed to them or their beneficiaries when their property is sold, regardless of how much is outstanding on the loan. |
| Inheritance protection guarantee | Your client can protect a percentage of their property’s future value which can be passed to them or their beneficiaries when their property is sold, regardless of how much is outstanding on the loan. |
| Cash reserve facility - Only available if selected as an additional feature | Your client can access money at a later stage, without the need for further financial advice. There are no fees to pay when making a withdrawal. |
| Cashback - Only available if selected as an additional feature | Your client can increase the amount they receive at the start of their loan with 3% cashback of the initial loan amount paid on completion. There is no cap or minimum loan amount |
| Flexible underwriting | We don’t just rely on a computer to assess your client’s application; our expert team of underwriters take a flexible approach to ensure the best customer outcome. |
| Flexible underwriting | We don’t just rely on a computer to assess your client’s application; our expert team of underwriters take a flexible approach to ensure the best customer outcome. |
| Flexible underwriting | We don’t just rely on a computer to assess your client’s application; our expert team of underwriters take a flexible approach to ensure the best customer outcome. |
| Voluntary repayments | Your client can make voluntary repayments of up to 10% of the initial loan amount each year, ERC free. |
| Voluntary repayments | Your client can make voluntary repayments of up to 10% of the initial loan amount each year, ERC free. |
| Voluntary repayments | Your client can make voluntary repayments of up to 10% of the initial loan amount each year, ERC free. |
| Free valuations | We don’t charge a valuation fee for your client’s initial advance and there is no cap based on the property value. |
| Free valuations | We don’t charge a valuation fee for your client’s initial advance and there is no cap based on the property value. |
| Free valuations | We don’t charge a valuation fee for your client’s initial advance and there is no cap based on the property value. |
| Fixed ERCs | Our ERCs are fixed so your client knows exactly what to expect from the start. |
| Fixed ERCs | Our ERCs are fixed so your client knows exactly what to expect from the start. |
| Fixed ERCs | Our ERCs are fixed so your client knows exactly what to expect from the start. |
| Further advances | Your client can borrow more funds from their property at any time, as long as there’s enough equity in the property and their application meets our lending criteria. |
| Further advances | Your client can borrow more funds from their property at any time, as long as there’s enough equity in the property and their application meets our lending criteria. |
| Further advances | Your client can borrow more funds from their property at any time, as long as there’s enough equity in the property and their application meets our lending criteria. |
| Further advances | Your client can borrow more funds from their property at any time, as long as there’s enough equity in the property and their application meets our lending criteria. |
| Access to WeCare | Your client can benefit from 24/7 access to a range of virtual health and wellbeing support services at no extra cost through WeCare. |
| Access to WeCare | Your client can benefit from 24/7 access to a range of virtual health and wellbeing support services at no extra cost through WeCare. |
| Access to WeCare | Your client can benefit from 24/7 access to a range of virtual health and wellbeing support services at no extra cost through WeCare. |
| Option to move home (porting) | We know flexibility is important, so if your client wants to move home, they may be able to take the mortgage with them. They’ll keep the same terms and conditions if it meets our suitability criteria. |
| Option to move home (porting) | We know flexibility is important, so if your client wants to move home, they may be able to take the mortgage with them. They’ll keep the same terms and conditions if it meets our suitability criteria. |
| Option to move home (porting) | We know flexibility is important, so if your client wants to move home, they may be able to take the mortgage with them. They’ll keep the same terms and conditions if it meets our suitability criteria. |
| Option to move home (porting) | We know flexibility is important, so if your client wants to move home, they may be able to take the mortgage with them. They’ll keep the same terms and conditions if it meets our suitability criteria. |
| Option to move home (porting) | We know flexibility is important, so if your client wants to move home, they may be able to take the mortgage with them. They’ll keep the same terms and conditions if it meets our suitability criteria. |
| Inheritance protection guarantee | Your client can protect a percentage of their property’s future value which can be passed to them or their beneficiaries when their property is sold, regardless of how much is outstanding on the loan. |
| Inheritance protection guarantee | Your client can protect a percentage of their property’s future value which can be passed to them or their beneficiaries when their property is sold, regardless of how much is outstanding on the loan. |
| Inheritance protection guarantee | Your client can protect a percentage of their property’s future value which can be passed to them or their beneficiaries when their property is sold, regardless of how much is outstanding on the loan. |
| Further advances | Your client can borrow more funds from their property at any time, as long as there’s enough equity in the property and their application meets our lending criteria. |
| Further advances | Your client can borrow more funds from their property at any time, as long as there’s enough equity in the property and their application meets our lending criteria. |
| Further advances | Your client can borrow more funds from their property at any time, as long as there’s enough equity in the property and their application meets our lending criteria. |
| Option to move home (porting) | We know flexibility is important, so if your client wants to move home, they may be able to take the mortgage with them. They’ll keep the same terms and conditions if it meets our suitability criteria. |
| Option to move home (porting) | We know flexibility is important, so if your client wants to move home, they may be able to take the mortgage with them. They’ll keep the same terms and conditions if it meets our suitability criteria. |
| Option to move home (porting) | We know flexibility is important, so if your client wants to move home, they may be able to take the mortgage with them. They’ll keep the same terms and conditions if it meets our suitability criteria. |
| Option to move home (porting) | We know flexibility is important, so if your client wants to move home, they may be able to take the mortgage with them. They’ll keep the same terms and conditions if it meets our suitability criteria. |
| Option to move home (porting) | We know flexibility is important, so if your client wants to move home, they may be able to take the mortgage with them. They’ll keep the same terms and conditions if it meets our suitability criteria. |
| Option to move home (porting) | We know flexibility is important, so if your client wants to move home, they may be able to take the mortgage with them. They’ll keep the same terms and conditions if it meets our suitability criteria. |
| Further advances | Your client can borrow more funds from their property at any time, as long as there’s enough equity in the property and their application meets our lending criteria. |
| Further advances | Your client can borrow more funds from their property at any time, as long as there’s enough equity in the property and their application meets our lending criteria. |
| Further advances | Your client can borrow more funds from their property at any time, as long as there’s enough equity in the property and their application meets our lending criteria. |
| No affordability checks | We don’t require any proof of affordability and there are no minimum income requirements. |
| No affordability checks | We don’t require any proof of affordability and there are no minimum income requirements. |
| No affordability checks | We don’t require any proof of affordability and there are no minimum income requirements. |
| No negative equity guarantee | Give your client peace of mind that when the property is sold, if the proceeds after fees are not enough to pay the amount owed to us, we will not ask your client or their beneficiaries to pay the shortfall. If your client’s property is sold for more than the amount they’ve borrowed against it, the amount left over belongs to your client or their beneficiaries. |
| No negative equity guarantee | Give your client peace of mind that when the property is sold, if the proceeds after fees are not enough to pay the amount owed to us, we will not ask your client or their beneficiaries to pay the shortfall. If your client’s property is sold for more than the amount they’ve borrowed against it, the amount left over belongs to your client or their beneficiaries. |
| No negative equity guarantee | Give your client peace of mind that when the property is sold, if the proceeds after fees are not enough to pay the amount owed to us, we will not ask your client or their beneficiaries to pay the shortfall. If your client’s property is sold for more than the amount they’ve borrowed against it, the amount left over belongs to your client or their beneficiaries. |
| Retained ownership and no repossession | Your client will always own their property and be responsible for maintaining it, as long as they follow the terms and conditions of the mortgage |
| Retained ownership and no repossession | Your client will always own their property and be responsible for maintaining it, as long as they follow the terms and conditions of the mortgage |
| Retained ownership and no repossession | Your client will always own their property and be responsible for maintaining it, as long as they follow the terms and conditions of the mortgage |
| Retained ownership and no repossession | Your client will always own their property and be responsible for maintaining it, as long as they follow the terms and conditions of the mortgage |
| Retained ownership and no repossession | Your client will always own their property and be responsible for maintaining it, as long as they follow the terms and conditions of the mortgage |
Important information
- The LTVs may be adjusted in certain circumstances, such as sheltered accommodation or non-standard construction types.
- The LTV available for additional borrowing will be capped at the prevailing LTV at the time your client applies. This means that if your client chooses to apply for a further advance, they will be able to access the LTVs available at the time of their initial advance application. This LTV may be higher or lower than the LTV available today.
- The interest rate applied to each cash reserve facility withdrawal or further advance is based on the prevailing cash reserve facility interest rate or further advance interest rate on the product at the time you choose to apply. This interest rate may be higher or lower than the interest rate which is applied to your initial advance. Our current additional borrowing interest rates can be found on our website.
You will be able to provide your client with a personalised illustration that will show the amount they can borrow and the overall costs and interest rates, including the annual percentage rate (APR). The amount your client can borrow will depend on their property meeting our underwriting criteria. Once you have submitted an application to us, we’ll appoint a professional independent valuer to gain an accurate value of their home.
Find out more about our Lifetime Mortgages