For borrowers who are in retirement or will be in retirement during the lifetime of the mortgage.
This product should be used for all properties in England and Wales.
Available for remortgages and purchases.
5.49% fixed
8.59% variable
7.8% APRC
75% including fees
None
£999
Charges will apply to any lump sum or full redemption paid over 10% of the capital balance
5% up to 28/02/2026
4% up to 28/02/2027
3% up to 29/02/2028
2% up to 28/02/2029
1% up to 28/02/2030
A mortgage loan of £192,375 payable over 40 years, initially on a fixed rate of 5.49% until 28/02/2030 and then on our Standard Variable Rate, currently 8.59%, for the remaining period would require 60 payments of £990.90 and 420 payments of £1,392.07.
The total amount payable would be £645,735.40 made up of the loan amount plus interest of (£451,748.40) plus a product fee of £999, a funds transfer fee of £25, a basic valuation fee of £340, legal fees to your solicitor of £148 and exit fee of £100.
The overall cost for comparison is 7.8% APRC representative.
Valuation fees and solicitor fees may be payable
Other charges may be made in respect of mortgage services
See our fees guide for more details
This product accepts our standard credit criteria click here for details
Early Repayment Charges as detailed below are payable on any lump sum or full redemption repaid over 10% of the capital balance.
5% up to 28/02/2026
4% up to 28/02/2027
3% up to 29/02/2028
2% up to 28/02/2029
1% up to 28/02/2030
During the early repayment charge period lump sum overpayments up to 10% of the capital balance per annum may be made without attracting an early repayment charge. Should the total of lump sum overpayments exceed 10% within this period, the excess will attract an early repayment charge.
Once the early repayment charge period has ended overpayments can be made at any time.
If an overpayment of £500 or more is made, we will recalculate the monthly payment the following month.
You can check affordability through our calculator where we assess on affordability as an alternative to income multiples. Please note we will fully review bank statements and expenditure during the underwriting process. Click here to find out more
This mortgage is available on capital and interest repayment up to 75% LTV or part and part up to a maximum of 60% LTV on interest only with a suitable repayment vehicle. Payments must be made monthly by direct debit.
The minimum age is 25 for all applicants. There is no maximum age. Earned income considered up to age 75. Cases are considered on individual circumstances.
Minimum loan size £50,000
Maximum loan size £1,000,000
Up to 75% loan to value for repayment
Up to 70% LTV if applicant is already retired at the start of the term
The maximum mortgage term is 40 years dependent on individual circumstances.
This product is portable, meaning that if the applicant moves home they can take it with them, subject to our lending criteria at the time.
Interest is calculated daily on the balance outstanding and added to the account the following month.
For borrowers who are in retirement or will be in retirement during the lifetime of the mortgage.
This product should be used for all properties in England and Wales.
Available for remortgages and purchases.
5.49% fixed
8.59% variable
7.8% APRC
75% including fees
None
£999
Charges will apply to any lump sum or full redemption paid over 10% of the capital balance
5% up to 28/02/2026
4% up to 28/02/2027
3% up to 29/02/2028
2% up to 28/02/2029
1% up to 28/02/2030
A mortgage loan of £192,375 payable over 40 years, initially on a fixed rate of 5.49% until 28/02/2030 and then on our Standard Variable Rate, currently 8.59%, for the remaining period would require 60 payments of £990.90 and 420 payments of £1,392.07.
The total amount payable would be £645,735.40 made up of the loan amount plus interest of (£451,748.40) plus a product fee of £999, a funds transfer fee of £25, a basic valuation fee of £340, legal fees to your solicitor of £148 and exit fee of £100.
The overall cost for comparison is 7.8% APRC representative.
Valuation fees and solicitor fees may be payable
Other charges may be made in respect of mortgage services
See our fees guide for more details
This product accepts our standard credit criteria click here for details
Early Repayment Charges as detailed below are payable on any lump sum or full redemption repaid over 10% of the capital balance.
5% up to 28/02/2026
4% up to 28/02/2027
3% up to 29/02/2028
2% up to 28/02/2029
1% up to 28/02/2030
During the early repayment charge period lump sum overpayments up to 10% of the capital balance per annum may be made without attracting an early repayment charge. Should the total of lump sum overpayments exceed 10% within this period, the excess will attract an early repayment charge.
Once the early repayment charge period has ended overpayments can be made at any time.
If an overpayment of £500 or more is made, we will recalculate the monthly payment the following month.
You can check affordability through our calculator where we assess on affordability as an alternative to income multiples. Please note we will fully review bank statements and expenditure during the underwriting process. Click here to find out more
This mortgage is available on capital and interest repayment up to 75% LTV or part and part up to a maximum of 60% LTV on interest only with a suitable repayment vehicle. Payments must be made monthly by direct debit.
The minimum age is 25 for all applicants. There is no maximum age. Earned income considered up to age 75. Cases are considered on individual circumstances.
Minimum loan size £50,000
Maximum loan size £1,000,000
Up to 75% loan to value for repayment
Up to 70% LTV if applicant is already retired at the start of the term
The maximum mortgage term is 40 years dependent on individual circumstances.
This product is portable, meaning that if the applicant moves home they can take it with them, subject to our lending criteria at the time.
Interest is calculated daily on the balance outstanding and added to the account the following month.