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Later Life Mortgages
Later life often brings new needs and priorities regarding your home, retirement, finances, family and friends. We offer friendly, expert advice for later life borrowers.
Our mortgages
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Later Life Lending - 2 Year Discount 60% LTV
Initial Interest Rate
5.99%
Maximum Loan To Value (LTV)
60%
Overall Cost for Comparison
8.20%
Product Code
DP211
The following is a representative example based on a mortgage of £230,000.00 payable over 25 years initially on a discounted variable rate of 5.99% for 2 years, a further discounted rate of 7.49% for 4 years, followed by our Standard Variable Rate of 8.74%. In this example you would make an initial payment of £1,631.07, 23 monthly payments of £1,480.50, 48 payments of £1,685.40 and 228 monthly payments of £1,843.60.
The total amount payable would be £538,296.57 made up of the loan amount plus interest of £306,922.57 and the following costs, a Scheme Fee of (£999.00), a Chaps/Telegraphic Transfer fee (£25.00), a Valuation Fee (£275.00), and a Mortgage Exit Administration Fee (£75.00).
The overall cost for comparison is 8.20% APRC representative.
Note: What you will pay may vary from this and will depend on your personal circumstances.
Later Life Lending - 2 Year Discount 75% LTV
Initial Interest Rate
6.99%
Maximum Loan To Value (LTV)
75%
Overall Cost for Comparison
8.30%
Product Code
DP238
The following is a representative example based on a mortgage of £230,000 payable over 25 years initially on a discounted variable rate of 6.99% for 2 years, a further discounted rate of 7.49% for 4 years, followed by our Standard Variable Rate of 8.74%. In this example you would make an initial payment of £1,843.83, 23 monthly payments of £1,624.20, 48 payments of £1,692.30 and 228 payments of £1,845.70.
The total amount payable would be £542,599.43 made up of the loan amount plus interest of £311,250.43 and the following costs, a Scheme Fee of (£999.00), a Chaps/Telegraphic Transfer fee (£25.00), a Valuation Fee (£250.00), and a Mortgage Exit Administration Fee (£75.00).
The overall cost for comparison is 8.30% APRC representative.
Note: What you will pay may vary from this and will depend on your personal circumstances.
Later Life Lending - 2 Year Discount 60% LTV Remortgage
Initial Interest Rate
5.99%
Maximum Loan To Value (LTV)
60%
Overall Cost for Comparison
8.10%
Product Code
DP239
The following is a representative example based on a mortgage of £230,000 payable over 25 years initially on a discounted variable rate of 5.99% for 2 years, a further discounted rate of 7.49% for 4 years, followed by our Standard Variable Rate of 8.74%. In this example you would make an initial payment of £1,668.71, 23 monthly payments of £1,480.50, 48 payments of £1,684.20 and 228 payments of £1,837.00.
The total amount payable would be £536,771.81 made up of the loan amount plus interest of £305,397.81 and the following costs, a Scheme Fee of (£999.00), a Chaps/Telegraphic Transfer fee (£25.00), a Valuation Fee (£275.00), and a Mortgage Exit Administration Fee (£75.00).
The overall cost for comparison is 8.1% APRC representative.
Note: What you will pay may vary from this and will depend on your personal circumstances.
Later Life Lending - 2 Year Discount 75% LTV Remortgage
Initial Interest Rate
6.99%
Maximum Loan To Value (LTV)
75%
Overall Cost for Comparison
8.30%
Product Code
DP240
The following is a representative example based on a mortgage of £230,000.00 payable over 25 years initially on a discounted variable rate of 6.99% for 2 years, a further discounted rate of 7.49% for 4 years, followed by our Standard Variable Rate of 8.74%. In this example you would make an initial payment of £1,843.83, 23 monthly payments of £1,624.20, 48 payments of £1,692.30 and 228 monthly payments of £1,845.70.
The total amount payable would be £542,599.43 made up of the loan amount plus interest of £311,250.43 and the following costs, a Scheme Fee of (£999.00), a Chaps/Telegraphic Transfer fee (£25.00), a Valuation Fee (£250.00), and a Mortgage Exit Administration Fee (£75.00).
The overall cost for comparison is 8.30% APRC representative.
Note: What you will pay may vary from this and will depend on your personal circumstances.
Later Life Lending - 5 Year Fixed Rate 75% LTV fixed until 30.06.2029
Initial Interest Rate
5.65%
Maximum Loan To Value (LTV)
75%
Overall Cost for Comparison
7.60%
Product Code
DP255
The following is a representative example based on a mortgage of £230,000 payable over 25 years initially on a fixed rate of 5.65% until 30th June 2029, a further discounted rate of 1.25% until 30th June 2030, followed by our Standard Variable Rate of 8.74%. In this example you would make 61 monthly payments of £1,433.08, 12 payments of £1,655.81 and 227 payments of £1,810.15.
The total amount payable would be £519,540.65 made up of the loan amount plus interest of £288,191.65 and the following costs, a Scheme Fee of (£999.00), a Chaps/Telegraphic Transfer fee (£25.00), a Valuation Fee (£250.00), and a Mortgage Exit Administration Fee (£75.00).
The overall cost for comparison is 7.60% APRC representative.
Note: What you will pay may vary from this and will depend on your personal circumstances.
Later Life Lending - 5 Year Fixed Rate 75% LTV Remortgage fixed until 30.06.2029
Initial Interest Rate
5.65%
Maximum Loan To Value (LTV)
75%
Overall Cost for Comparison
7.60%
Product Code
DP256
The following is a representative example based on a mortgage of £230,000 payable over 25 years initially on a fixed rate of 5.65% until 30th June 2029, a further discounted rate of 1.25% until 30th June 2030, followed by our Standard Variable Rate of 8.74%. In this example you would make 61 monthly payments of £1,433.08, 12 payments of £1,655.81 and 227 payments of £1,810.15.
The total amount payable would be £519,540.65 made up of the loan amount plus interest of £288,191.65 and the following costs, a Scheme Fee of (£999.00), a Chaps/Telegraphic Transfer fee (£25.00), a Valuation Fee (£250.00), and a Mortgage Exit Administration Fee (£75.00).
The overall cost for comparison is 7.60% APRC representative.
Note: What you will pay may vary from this and will depend on your personal circumstances.