7:["$","$L15",null,{"children":["$","$L16",null,{"children":["$","div",null,{"className":"pt-5 lg:pt-[30px] xl:pt-[20px]","children":[["$","$L17",null,{}],false,["$","$L18",null,{"data":[{"product_id":1,"product_domain_id":3,"product_meta_keywords":"Sovereign Lifetime Mortgages","product_meta_description":"Our Sovereign lifetime mortgages feature our widest range of lending criteria. Explore Sovereign's full product details, documentation and features here.","product_slug":"sovereign","product_name":"Sovereign","product_description":"Wide-ranging LTVs and underwriting criteria, with up to 12 repayments a year.","product_document_public_url":"https://puremediastorage.blob.core.windows.net/pure-web-media/product/sovereign-target-market-and-fair-value-document.pdf","product_erc_text":"","product_features_text":"$19","product_is_displayed_in_product_grid":"Y","product_lead_text":"Underwriting criteria","product_lending_criteria_text":"

\r\n
Properties with up to 20 acres of land are acceptable, providing that there are no agricultural restrictions.
\r\n
\r\n
100% flat roof is acceptable, subject to surveyor comments and traditional construction.
\r\n
\r\n
Thatched roofs, reed and straw only are acceptable.
\r\n
\r\n
Various wall construction types: Including conventional walls and single skin walls to timber-framed properties including Tudor-styled timber.
\r\n

","product_max_ltv":"38.5%","product_colour_primary":"","product_ordering":6,"product_last_user_id":7,"product_approval_status":"approved","product_created_at":"2024-12-11 14:17:00","product_updated_at":"2025-07-10 11:44:45","product_deleted_at":null,"last_user_name":"Emma Carter","documents":{"Product documents":[{"product_document_category_name":"Product documents","product_document_name":"Sovereign Lending Criteria","product_document_description":"-","product_document_public_url":"https://puremediastorage.blob.core.windows.net/pure-web-media/product/Sovereign Acceptable Property Guide.pdf"},{"product_document_category_name":"Product documents","product_document_name":"Sovereign Tariff of Charges","product_document_description":"-","product_document_public_url":"https://puremediastorage.blob.core.windows.net/pure-web-media/product/Tariff of Charges.pdf"},{"product_document_category_name":"Product documents","product_document_name":"Sovereign Product Statement","product_document_description":"-","product_document_public_url":"https://puremediastorage.blob.core.windows.net/pure-web-media/product/sovereign-target-market-and-fair-value-document.pdf"},{"product_document_category_name":"Product documents","product_document_name":"Sovereign at a Glance","product_document_description":"-","product_document_public_url":"https://puremediastorage.blob.core.windows.net/pure-web-media/product/Sovereign At A Glance.pdf"},{"product_document_category_name":"Product documents","product_document_name":"Sovereign Early Repayment Charges","product_document_description":"-","product_document_public_url":"https://puremediastorage.blob.core.windows.net/pure-web-media/product/Sovereign Early Repayment Charges.pdf"},{"product_document_category_name":"Product documents","product_document_name":"Sovereign Terms & Conditions England and Wales ","product_document_description":"-","product_document_public_url":"https://puremediastorage.blob.core.windows.net/pure-web-media/product/Lifetime Mortgage General Loan & Mortgage Conditions.pdf"},{"product_document_category_name":"Product documents","product_document_name":"Sovereign Terms & Conditions Scotland ","product_document_description":"-","product_document_public_url":"https://puremediastorage.blob.core.windows.net/pure-web-media/product/Lifetime Mortgage General Loan & Mortgage Conditions for Scotland.pdf"}],"Application documents":[{"product_document_category_name":"Application documents","product_document_name":"Sovereign Application Form","product_document_description":"-","product_document_public_url":"https://puremediastorage.blob.core.windows.net/pure-web-media/product/Application Form Sovereign Range.pdf"},{"product_document_category_name":"Application documents","product_document_name":"Acceptable Forms of ID","product_document_description":"-","product_document_public_url":"https://puremediastorage.blob.core.windows.net/pure-web-media/product/acceptable-forms-of-id.pdf"},{"product_document_category_name":"Application documents","product_document_name":"Sovereign Cash Release Form","product_document_description":"-","product_document_public_url":"https://puremediastorage.blob.core.windows.net/pure-web-media/product/Sovereign%20Application%20Form%20Cash%20Release.pdf"},{"product_document_category_name":"Application documents","product_document_name":"Further Advances Process","product_document_description":"-","product_document_public_url":"https://puremediastorage.blob.core.windows.net/pure-web-media/product/further-advance-process-flow.pdf"}],"General documents":[{"product_document_category_name":"General documents","product_document_name":"Lending Criteria Overview","product_document_description":"-","product_document_public_url":"https://puremediastorage.blob.core.windows.net/pure-web-media/product/Sovereign Acceptable Property Guide.pdf"},{"product_document_category_name":"General documents","product_document_name":"Sovereign Customer Product Guide","product_document_description":"-","product_document_public_url":"https://puremediastorage.blob.core.windows.net/pure-web-media/product/Sovereign Customer Guide.pdf"},{"product_document_category_name":"General documents","product_document_name":"Using Equity Release to Purchase a New Build Property","product_document_description":"-","product_document_public_url":"https://puremediastorage.blob.core.windows.net/pure-web-media/product/new-build-purchase-explainer-document.pdf"}]},"loan_boxes":[{"product_loan_box_id":5,"product_loan_box_last_user_id":7,"product_loan_box_domain_id":3,"product_loan_box_product_id":1,"product_loan_box_icon_url":"https://puremediastorage.blob.core.windows.net/pure-web-media/b2b_blog/user-check-02.svg","product_loan_box_ordering":0,"product_loan_box_subject_name":"Client ages","product_loan_box_subject_value":"55 - 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\r\n
Properties with up to 5 acres of land, providing there are no agricultural restrictions.
\r\n
\r\n
Flat roofs with traditional covering subject to maximum of 50% of the property's area and satisfactory comments by surveyor.
\r\n
\r\n
Properties above commercial premises can be considered on an individual basis, provided they are in high value areas and the commercial activity is unlikely to affect the desirability of the property.
\r\n
\r\n
Shared septic tanks, between no more than 4 properties, can be accepted providing there is an agreement in place for access and maintenance.
\r\n

","product_max_ltv":"48%","product_colour_primary":"","product_ordering":2,"product_last_user_id":7,"product_approval_status":"approved","product_created_at":"2024-12-11 14:17:19","product_updated_at":"2025-07-10 11:48:23","product_deleted_at":null,"last_user_name":"Emma Carter","documents":{"Product documents":[{"product_document_category_name":"Product documents","product_document_name":"Classic Lending Criteria","product_document_description":"-","product_document_public_url":"https://puremediastorage.blob.core.windows.net/pure-web-media/product/Classic%20Acceptable%20Property%20Guide.pdf"},{"product_document_category_name":"Product documents","product_document_name":"Classic Tariff of Charges","product_document_description":"-","product_document_public_url":"https://puremediastorage.blob.core.windows.net/pure-web-media/product/Pure Classic Tariff or Charges.pdf"},{"product_document_category_name":"Product documents","product_document_name":"Classic Product Statement","product_document_description":"-","product_document_public_url":"https://puremediastorage.blob.core.windows.net/pure-web-media/product/classic-target-market-and-fair-value-document.pdf"},{"product_document_category_name":"Product documents","product_document_name":"Classic at a Glance","product_document_description":"-","product_document_public_url":"https://puremediastorage.blob.core.windows.net/pure-web-media/product/Classic at Glance.pdf"},{"product_document_category_name":"Product documents","product_document_name":"Classic Early Repayment Charges","product_document_description":"-","product_document_public_url":"https://puremediastorage.blob.core.windows.net/pure-web-media/product/Partial repayments guide.pdf"},{"product_document_category_name":"Product documents","product_document_name":"Classic Terms & Conditions England & Wales","product_document_description":"-","product_document_public_url":"https://puremediastorage.blob.core.windows.net/pure-web-media/product/Pure Classic Terms and Conditions - 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\r\n
Properties with more than 10 acres, are considered please note the value will be based on 5 acres.
\r\n
\r\n
Properties with a flat roof percentage of up to 50% are acceptable and those with up to 100% flat roofs can be considered. Please note certain underwriting restrictions apply.
\r\n
\r\n
Properties with annexes where a carer or relative is residing are considered, subject to being on the same title as the property, shared council tax and utilities.
\r\n
\r\n
New builds within the last 10 years, with suitable certifications.
\r\n

","product_max_ltv":" 55.9%","product_colour_primary":"","product_ordering":12,"product_last_user_id":7,"product_approval_status":"approved","product_created_at":"2024-12-11 14:17:21","product_updated_at":"2025-07-10 11:52:15","product_deleted_at":null,"last_user_name":"Emma Carter","documents":{"Product documents":[{"product_document_category_name":"Product documents","product_document_name":"Heritage Lending Criteria","product_document_description":"-","product_document_public_url":"https://puremediastorage.blob.core.windows.net/pure-web-media/product/pure-heritage-acceptable-property-guide.pdf"},{"product_document_category_name":"Product documents","product_document_name":"Heritage Tariff of Charges","product_document_description":"-","product_document_public_url":"https://puremediastorage.blob.core.windows.net/pure-web-media/product/Pure Heritage Tariff of Charges.pdf"},{"product_document_category_name":"Product documents","product_document_name":"Heritage Product 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12:09:41","product_loan_box_deleted_at":null},{"product_loan_box_id":10,"product_loan_box_last_user_id":7,"product_loan_box_domain_id":3,"product_loan_box_product_id":3,"product_loan_box_icon_url":"https://puremediastorage.blob.core.windows.net/pure-web-media/b2b_blog/bank.svg","product_loan_box_ordering":0,"product_loan_box_subject_name":"Loans from","product_loan_box_subject_value":"£10k - £800k","product_loan_box_subject_footnote":"","product_loan_box_subject_footnote_2":"","product_loan_box_approval_status":"approved","product_loan_box_created_at":"2025-01-10 14:18:08","product_loan_box_updated_at":"2025-07-10 12:09:41","product_loan_box_deleted_at":null},{"product_loan_box_id":11,"product_loan_box_last_user_id":7,"product_loan_box_domain_id":3,"product_loan_box_product_id":3,"product_loan_box_icon_url":"https://puremediastorage.blob.core.windows.net/pure-web-media/b2b_blog/Icon (1).svg","product_loan_box_ordering":0,"product_loan_box_subject_name":"Max. 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\r\n
Properties with up to 7 acres of land, please note the value will be based on 5 acres.
\r\n
\r\n
Properties with flat roofs up to 40% of the total roof area.
\r\n
\r\n
Properties adjacent to, or in view of, non-residential property including schools, care home and places of worship are acceptable, subject to valuers comments.
\r\n
\r\n
Properties with owned solar panels are acceptable, and those with leased panels can be considered.
\r\n

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