Mortgage Schemes

RIO Mortgages
These are mortgages in retirement. To understand their risks & features request a personalised retirement mortgage illustration.

Retirement mortgages offer a lifeline to retirees who wish to maintain a monthly mortgage payments into retirement based on income & affordability.
Interest Only Lifetime Mortgages
These are lifetime interest only mortgages. To understand the risks & features ask for your personalised quotation. Interest only mortgages are regulated by the FCA.

Interest Only Lifetime Mortgages are a form of retirement mortgage which can run indefinitely and have the option of paying the interest monthly or on a ad-hoc basis.
Voluntary Repayment Plans
These are voluntary repayment plans. To understand the features and risks associated with voluntary equity release schemes, ask for a personalised Key Facts Illustration.

Voluntary repayment plans offer complete flexibility with regards to managing the future balance of their equity release mortgage. By allowing upto 10%pa repayments of capital, homeowners can chose how much & when to make random cash repayments back to the retirement mortgage lender.

Product	Type	Rate	APR	Exclusive
RIO - 5 Yr Discount	Fixed	2.95%	3.70%	Yes
RIO - 5 Yr Fixed	Fixed	3.40%	4.16%	Yes
RIO - 2 Yr Fixed (60% LTV)	Fixed	3.00%	4.20%	No
RIO - 5 Yr Fixed	Fixed	3.49%	4.20%	Yes
RIO - 2 Yr Fixed (70% LTV)	Fixed	3.40%	4.22%	No
RIO - 2 Yr Fixed (75% LTV)	Fixed	3.60%	4.40%	No
RIO - 5 Yr Fixed	Fixed	3.02%	4.50%	Yes
RIO - 2 Yr Fixed	Fixed	1.76%	4.60%	Yes
RIO - 2 Yr Fixed	Fixed	2.59%	4.70%	Yes
RIO - 3 Yr Fixed	Fixed	3.35%	5.00%	Yes
RIO - 2 Yr Fixed	Fixed	2.49%	5.20%	Yes