Green lifetime mortgage feature

This innovative green feature, available on our Just For You Lifetime Mortgage 2.5 LTV series, reduces the standard interest rate by 0.10% for the duration of the loan.

The EPC must be submitted at the application stage, but we’ll contribute £50 to the cost of obtaining one. This will be paid to the customer as a cashback when the advance completes, whether they obtained a new EPC or if a satisfactory one existed already. 

Energy efficiency ratings explained

Every home must have an EPC when it’s built, sold or rented – this gives the property an energy efficiency rating from A or 100 (most efficient) to G or 0 (least efficient) and is valid for 10 years. To check whether your property has a valid EPC, please go to the EPC register: https://www.epcregister.com/

 

Our J2.5 LTV series is detailed below:

J2.5 LTV Series

Client age J2.5
Single life/Joint life 
Client age J2.5
Single life/Joint life
55 23.0 71 40.2
56 24.0 72 41.4
57 25.0 73 42.6
58 26.0 74 43.7
59 27.0
75
45.0
60 28.7
76
46.0
61 29.8 77 47.1
62 30.7 78
48.0
63 31.7 79 48.6
64 32.7 80 49.5
65 33.7 81 50.7
66 34.7 82 51.3
67 35.7 83 51.5
68 36.7 84 51.7
69 37.7 85+ 51.9
70 39.0