Lender Rate AER Min Advance + Reserve limit Incentive Notes Commission
Incl Scot/NI

Sample rate 14/08/2019 on Flexible 3.55% (male 62 in BS11 on £215,000 releasing £32+ £15150 in reserve)

Lump Sum Max sample rate 3.60% (female 76 in NG11 on £200,000 releasing £84K)

**sample rates from 14/08/2019- No adviser fee charge, no cashback or IHG, no medial and val paid.

Individual pricing-Competitive  will dependent on the options and customer circumstances please call for helpdesk on 01326 567970 with client information

Fee £5 until further notice- normally £600


Min £10,000 advance with £5000 reserve to max loan minus their initial of 50% Max loan available Flexi tool, Opt for free valuation or cash back see notes **Rate output sheet must accompany application Ring 01326 567970 for rate  Valuation free fee option to £5 million and/or cash back, reflected in rate.Flexible repayment option subject to terms and ERC exemptions in certain circumstances.Flats 85% RULE 2.25% + 0.75% on reserve capped £500
Canada Life

Vol and interest- able to make payments



NEW Capital Select Options- Capital Choice no lender fee until 27th September 2019

from  3.86%   for reserve schemes-LITE, Gold, Gold Plus and Platinum


Voluntary  Gold from 5.51% MER payments accepted up to 15% immediately)

Voluntary Platinum Age 55- from 6.08% MER

Interest select Gold from 5.32%

Interest select Platinum from age 55 5.79%

** reserves available on all load the rate 0.2% per month.**

**Min £10,000 to Max LTV** up to £1m on Capital


Vol and int £2,000,000



in £15000 advance facility of up to 10X initial Lump sum to max loan £500,000

MUST REGISTER under PERC- Free valuation no cap.


Marketing if lender and sols routed through club

FREE VALUATIONS  FIXED ERC’s year 1-5 = 5% year 6-8 = 3% year 9 = nil  Reserve available to maximum.

Capital- similar to voluntary below except max contribution 10%

Voluntary- payment immediate by standing order, cheque or BACS.

Down sizing after 5 years

2 borrowers become 1 death or long term care survivor can repay within 3 years.

Interest select -requires a minimum of 50% -100% monthly interest payments for a minimum of 5 years. If opt to switch then a 0.2% loading within this time limit.Lump Sum can have reserve.

2.3% + 1% on reserve  min £500  Paid at completion




Canada Life – lifestyle not geared for payments




 Lifestyle Options- roll up

*LITE 4.02%

Gold 4.39 Now from age 55 @ 11% lite and 16% gold

Platinum  6.39% age 60 @ 32%

Platinum with cash back 6.67% – 3% CB

** reserves available on all load the rate 0.2% per month.**

 ** Min £10,000 to max LTV up to £2 million



Prestige min £250,000 max £2 million

Marketing allowance if routing through club and solicitors.



 FREE VALUATIONS  FIXED ERC’s year 1-5 = 5% year 6-8 = 3% year 9 = nil  Reserve available to maximum

NOTE if using Platinum with cash back then ERC 8% in year 1-5 and 6% in year 6-8.

Min £10K – £1million

Prestige Free valuations, Fixed ERc’s 1-5 =10% 5-10 = 5%***

2.3% + 1% on reserve min £500 Paid at completion




Hodge Lifetime- Downsizing range
Incl Scotland


New V 1- V4 range – rates from  3.54% Extended LTV from 4.17% 
Flexible lifetime mortgage cheaper rates if pay lender fee and portion of Val or £Zero

Choice of fixed ERC or Variable based on rate


£15000 advance facility of up to 10X initial Lump sum to max loan £500,000  Enhanced broker fee  £1000 min withdrawal
Flexible Repayment Option incl.
Downsizing Protection incl.from DAY 1
2.25% + 0.15% on reserve Enhanced (2% standard)
Incl Scotland
New schemes tiered LTV’s from age 55

J1-3.37% Arr fee £600

J2 J3,J4 rates from MER 4.26% option to make interest payment and reduced rate based on 4 tiers.

Cashback available but rates increase

Min £10,000 to initial

  Free  valuation j2-5 no lender fee  Free valuation uncapped. Please quote PERC when ordering quote with lender 2%Min £600 with 2% on drip once over £600
Legal & General home finance
Incl Scotland FROM 55 –  4 payments per year up to 10% orOptional payments DDM collection monthly from £25.00 to full interest.NEW INCOME PLAN- Refer 01326 567970
Rates quoted as MER

Pink from  = 3.19% mer -£629 fee or 3.23%-£30 TT fee

ORANGE from 3.22% £629 or 3.26% £30 TT fee

Yellow from  = 3.34% £629 fee or 3.38% – £ 30 TT fee

GREEN- 3.54%mer £629 fee or 3.58% £30 TT fee

Turquise – 3.75% £629 fee or 3.79% £30 TT fee

Blue  4.23% £629 fee or 4.27% – £30 TT fee

Navy –  4.48% £629 fee or 4.52% £30 TT fee

Indigo  4.95% £629  or  4.98%- £30 TT fee

£ Zero lenders fee

***  Black Premier  3.16%  £629  or 3.20% -£30 TT fee

Commission capped at £10,000 with anything over rebated to client

Min £10,000 to Max LTV

Min age 55

  Broker procuration fee & free valuation Free valuation extended (with exception of  premier)

www.landghomefinance.com.Please route through the premier equity release club route.Flats 85% rule

2.85% Min £500 max £10,000 enhanced – anything over rebated to client-reserve 1% on drip

BLACK range 2% proc fee with £10,000 cap as above.

Legal & General home finance 
Incl Scotland

2% CASH BACK deals as MER

Pink from 3.43%

Yellow  from 3.57%

Blue from 4.46%

Indigo from 5.18%

TT £30


Min £10,000 to Max LTV

Min 55

Broker procuration fee & Free  valuation FREE valuation extended has a 2% cash back on initial at completion. KFI www.landghomefinance.com Quote the premier equity release club route.Flats 85% rule 2.85% Min £500 max £10,000 – anything over rebated to client -enhanced  reserve 1% on drip


Incl Scotland
5.88%  Fee £695 deducted


Min £10,000 with 2 X max reserve Free valuations to £500K contribution over and uplift in broker commission Contact Jane for quotes please 0800 612 5423. Free valuations to £500,000 if over £284 contribution and increase procuration fee 1.5% on WHOLE FACILITY paid on completion
more 2 life  Min prop £70,000
Capital Choice


NEW LITE range from 4.16% MER

4.24% mer Draw down limited to twice initial.

Capital Choice PLUS 5.04%mer

Maximum Choice

5.27% pay val or 5.32% free val from age 55 – 95- Higher LTV’s- Min val £100,000 on Max Choice

** Tailored Choice Enhanced  Large range and cash backs refer to lender website.

Cap and Max Min £15,000 to £1 million can do more if lower LTV


Min £15,000 to max LTV- England Max £600,000 Wales & Scotland £250,000

Free valuations, uplift in commissions Change user profile and then select club. Capital choice min £15,000 – £ 1 million

Maximum Choice- no lender fee £10,000-£750,000



Tailored Choice  Free valuations Healthy age 60+ or Enhanced from 55 medical with medical rating 60 single and 65 joint (Enhanced Higher LTV’s)

Cap and Maximum 2.25% initial and 1.5% on draw down Club exclusive

Tailored Choice 2.25% min £600

Pure Retirement *New Sovereign- rates from  3.78% MER over 5 tiers to 6.89% MER- rate loading depending on level of draw down*



New Heritage range

3.70% – 5.22%  depends on package and LTV bands. Lender fee £895

 Min £10,000-  on Soverign






Min £10,000 for package min £20,000 £895 fee with £600 & £300 contribution to legal and advice with a 3% cash back



 Higher Procuration fee through club    

Sovereign NEW with 3 levels on contributions and 3 levels of draw down- rate driven but with FIXED ERC, 10 year period, 10% in year one and reduces 1% a year. NEW FUNDING LINE


Heritage range with options and cash backs – variable ERC’s linked to gilts




 2.3% enhanced Min £500- On Sovereign initial loan ONLY for Draw down schemes

2.3% then 1/2 of standard on trail for reserve

Please note: This information is for registered intermediaries. Not to issued to members of the public. Note: PERC club does not offer financial conduct regulated advice. Please always check rate, criteria and commission with lenders as this can change without notice.

To secure deals Aviva you need output sheet, Canada Life need you to be registered with PERC route other online lenders use the user profile and club select when quoting KFI’s and for manual lenders please quote PERC when ordering KFI’s and quote PERC in application of club route or branded application  or enclose PERC WRAP Submission which you can download here.

Need help? Speak to our experienced support desk on Freephone 01326 567970