Product Solutions

Heritage Freedom

  • Loans from £10,000 - £1 million
  • No maximum property value****
  • Maximum LTVs from 24.70% to 53.50%
  • Drawdown facility available
  • Partial repayments ERC free up to 20% or 40% of loan annually
  • Fixed ERCs
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Heritage

  • Loans from £10,000 - £1 million
  • No maximum property value***
  • Maximum LTVs from 24.70% to 57.00%
  • Drawdown facility available
  • Partial repayments up to 10% of loan annually
  • Fixed or Variable ERCs
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Sovereign

  • Loans from £10,000 - £2 million
  • No maximum property value**.
  • Maximum LTVs 23.00% to 52.00%
  • Drawdown facility available
  • Partial repayments up to 10% of loan annually via monthly direct debits
  • Fixed ERCs
  • Rates personalised for your customers
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Classic

  • Loans from £10,000 - £2 million
  • No maximum property value
  • Maximum LTVs 27 - 54%
  • Drawdown facility available
  • Partial repayments up to 10% of loan annually via monthly direct debits
  • Rates personalised for your customer
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Emerald

  • Loans from £10,000 - £950,000
  • Max Property Value
    £2 million
  • Maximum LTVs 29.50 - 57.50%
  • Drawdown facility available
  • Partial repayments up to 12% of loan annually via monthly direct debits
  • Rates personalised for your customers
View this plan
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Emerald

Introducing Emerald Flexible Pricing offering customers a personalised quote based on several factors including age, loan amount, property type and postcode. The flexible pricing option is available on two new products, Emerald Lumpsum Flex and Emerald Drawdown Flex.

Emerald Range logo
Offering high LTVs, the option of 4% cashback and a unique, personalised quote depending on the client's exact borrowing requirements. Direct debits available, helping customers schedule up to 12 repayments per year, and allowing up to 12% ERC-free partial repayments per year.
More information

Fixtures:

  • Personalised quote based on loan amount, age, property value, property type and location
  • Fixed ERCs
  • 12% ERC free partial repayments allowed
  • Downsizing protection
  • Mortgage porting available
  • ERC exemption for joint plans on death of the first customer

Documents

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Loans from:

£10,000 - £950,000

Extras:

  • Drawdown facility available
  • 4% cashback available
  • Arrangement fee free option
  • Free valuation for initial advances
  • Monthly direct debits available for partial repayments

LTVs:

Maximum LTVs 29.50 – 57.50% depending on age

Property Value:

£120,000 - £2 million

Available to clients aged:

55 to 95
Emerald Bitesize Overview
Full Emerald Webinar

Heritage Freedom Range

Heritage Freedom Range logo
Freedom 20 and Freedom 40 allow up to 20% or 40% ERC free optional repayments, and 12 payments can be made within a year. Both come with fixed ERCs, and a choice of either lump sum or drawdown facilities.
More information

Fixtures:

  • ERC free repayments up to 20% or 40% of advances
  • Fixed ERCs
  • Mortgage Porting available
  • ERC exemption for joint plans on death of the first customer

Documents

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Loans from:

£10,000 - £1 million

Extras:

  • Drawdown facility available
  • Free valuation
  • Legal fees contribution as standard

LTVs:

Maximum LTVs from 24.70% to 53.50%

Property Value:

£70k - No maximum
**** refer to Pure if over £2m

Available to clients aged:

55 to 80
Heritage Freedom Range Bitesize Overview

Heritage Range

Heritage Range logo
With mid to high LTVs and lump sum or drawdown available, ERC free partial repayments are allowed, along with a choice of either Fixed or Variable ERCs.
More information

Fixtures:

  • Choice of Fixed or Variable (GILT based) ERCs
  • ERC free partial repayments allowed
  • Mortgage Porting available
  • ERC exemption for joint plans on death of the first customer

Documents

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Loans from:

£10,000 - £1 million

Extras:

  • Drawdown facility available
  • Free valuation for initial advances for properties up to £2 million
  • Legal fees contribution as standard
  • Up to 5.5% cashback available
  • Heritage Freedom option - allows up to 20% or 40% ERC free overpayments

LTVs:

Maximum LTVs from 24.70% to 57.00%

Property Value:

£70k - No maximum
*** refer to Pure if over £2m

Available to clients aged:

55 to 85
Heritage Bitesize Overview

Sovereign Range

Introducing Sovereign Flexible Pricing offering customers a personalised quote based on several factors including age, loan amount, property type and postcode. The flexible pricing option is available on two new products, Sovereign Lumpsum Flex and Sovereign Drawdown Flex.

Sovereign Range logo
Offering wide ranging LTVs and underwriting criteria, the option of 4% cashback and a unique, personalised quote depending on the client’s exact borrowing requirements. Direct debits available helping customers schedule up to 12 repayments per year, with a 10% ERC-free partial repayment allowance.
More information

Fixtures:

  • Drawdown facility available
  • 4% cashback available
  • Arrangement fee free option
  • Free valuation for initial advances for properties below £2 million
  • Monthly direct debits available for partial repayments

Documents

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Loans from:

Loans from: £10,000 - £2 million.
* Refer if over £1 million

Extras:

  • Drawdown facility available
  • Free valuation for initial advances for properties below £2 million
  • Legal fees contribution as standard
  • 4% cashback available
  • Monthly direct debits available for partial repayments

LTVs:

23.00% to 52.00%

Property Value:

£70k – no maximum
** refer to Pure if over £6 million

Available to clients aged:

55 to 90 (dependent on product)
Sovereign Bitesize Overview
Full Sovereign Webinar

Classic Range

Introducing Classic Flexible Pricing offering customers a personalised quote based on several factors including age, loan amount, property type and postcode. The flexible pricing option is available on two new products, Classic Lumpsum Flex and Classic Drawdown Flex.

Classic Range logo
Offering some of the lowest lifetime mortgage rates in the market and a unique, personalised quote depending on the clients exact borrowing requirements. Direct debits available helping customers schedule up to 12 repayments per year, from the product’s allowance of 10% ERC-free partial repayments. Limited Distribution Panel.
More information

Fixtures:

  • Personalised quote based on loan amount, age, property value, property type and location
  • Fixed ERCs
  • ERC free partial repayments allowed
  • Downsizing protection
  • Mortgage Porting available
  • ERC exemption for joint plans on death of the first customer

Documents

View all documents

Loans from:

£10,000 - £1 million
Up to £2 million for Elite products

Extras:

  • Drawdown facility available
  • Free valuation for initial advances for properties below £2 million
  • Arrangement fee free option
  • Monthly direct debits available for partial repayments

LTVs:

Maximum LTVs: 27% - 54% depending on age

Property Value:

£125,000 - £2 million for standard range
No maximum property value for Elite products

Available to clients aged:

55 to 84
Classic Bitesize Overview
Full Classic Webinar

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