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Stay in the home you love

And get the extra money you need

What is equity release?

The value of your home, minus any mortgage or loan secured against it, can be described as your "equity". Lifetime mortgage plans allow you to access this and turn it into cash. If you have a mortgage or loan secured against your property, some of the money you release through a lifetime mortgage must be used to pay this off.

Who can apply?

To apply for our lifetime mortgages you must be at least 60 years of age, a UK resident and own your own home.

Are there any repayments?

With our lifetime mortgages there are no repayments to make.

How is the money paid back?

The money you release is paid back, in addition to any interest that has built-up, when the property is sold. This is usually when you pass away or move into long-term care.

What are the benefits of Pure Retirement Plans?

Act in a way that ensures the customer is treated fairly and reasonably at all times.

You continue to own 100% of your home, which means you will benefit fully from any future increase in its value.

The interest rate is fixed for life.

The plan is portable so you can move house if you want to, subject to our lending criteria and associated costs.

What are the risks of Pure Retirement Plans?

A lifetime mortgage will affect the amount you leave to love ones when you die.

A lifetime mortgage could affect your entitlement to means tested benefits and can making moving house in the future more complicated.

This is a lifetime mortgage. To understand the features and risks, ask for a personalised illustration.