Which Equity Release Companies Offer Enhanced Lifetime Mortgage Plans?

question mark under roofIf and when you consider an enhanced lifetime mortgage plan then knowing which companies offer such products based on life expectancy will help you to make an informed decision on which provider to approach.


Aviva is a household name that offers enhanced lifetime mortgages based on your life expectancy and the value of your home. Their Lifestyle Flexible Option offers benefits and features and you can be assured you’re applying to a company that has a wealth of experience in enhanced lifetime mortgage plans. Aviva, formerly known as Norwich Union, offer features such as cashback and a free valuation offer to kick start your application. Once it has been established that you’re eligible for their Lifestyle Flexible Option enhanced mortgage, you can expect to complete your application within around eight to ten weeks.

Just Retirement

Just Retirement specialises in financial products for the retired and offers enhanced mortgages based on life expectancy. Their Roll-up Lifetime Mortgage offers cashback and free valuations along with a reserve facility where you can draw down your money as and when you need it.


more2life have recently come back into the enhanced lifetime mortgage market and they have stepped-up the features of their product. After establishing your life expectancy, you can take advantage of the largest draw down facility in the enhanced mortgage market. Their Enhanced Lifetime Plan has the benefit of cashback and a free valuation deal for you to take advantage of.


Partnership offers a Lifetime Enhanced Mortgage plan and has many years of experience of underwriting in the enhanced mortgage market. With cashback and no valuation fees, Partnership has long been underwriting enhanced lifetime mortgages for over seven years.

Other providers such as Equity Release, Liverpool Victoria and Hodge provide enhanced lifetime mortgages based on life expectancy and on the value of your home.

Whichever enhanced lifetime provider you choose, the amount of the loan will be based on your life expectancy and the value of your home. Both these criteria will form the basis of the loan offered to you. The shorter your life expectancy, the more money you will be able to borrow. Your life expectancy is actualised based on the information submitted on the lifestyle questionnaire all providers will use to get to know your circumstances and enable them to be able to offer a loan to you in principle.

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