Lender Rate AER Incentive Notes Commission
Aviva
Incl Scot/NI
For Flexible see draw down section for Lump sum

Competitive and bespoke rates, actual will be dependent on options and customer circumstances please call 01326 567970 with client details including  medical if applicable.   Fee £5 until further notice

Flex tool opt for no valuation fee or cash back ALSO medical for lower rates or higher LTV’s ring 01326 567970 Ring  01326 567970 for rate no valuation fee option and or cash back reflected in rate.Flexible repayment option subject to terms and ERC exemptions in certain circumstances 2.25%
Canada Life Capital Select Options- no lender fee until 9th August

from 3.79% 4 tiered rates with reserve options at loaded rate.

NEW PLATINUM PLUS from 60 @ 34% @ 6.46%mer

on registration quote PERC in section 2 and will show in section 16 of KFI – already registered email hf-support@canadalife.co.uk request PERC route Fixed ERC yr 1-5 -year 6-8 3% yr 9 NIL

10% option can have a reserve but extra on rate 0.21% AER Downsizing after 5 and waiver if 2B1 with 3 years and  Max loan £1m

2.3%
Canada Life (formerly Retirement Advance)

Min 60

 

Lifestyle LITE 4.02%MER

Gold 4.39%  MER @55

Gold Plus 5.45% MER@60

Platinum- 6.39% MER

Platinum 3% cash back at 6.67% MER lump sum only from age 60 @ 32%

Prestige  LARGE Loans £250,000 – £2 million

Cash facility available at 0.2% extra

 on registration quote PERC in section 2 and will show in section 16 of KFI – already registered email hf-support@canadalife.co.uk request PERC route   .

Fixed ERC’s years 1-5 -5% year 6-8 = 3%year 9 NIL

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

Roll up

Free valuation.

Loans £10,000 – £1 million over refer

Prestige Fixed ERC’s 1-5 = 10% and 5-10 = 5%

Free valuation

 2.3% Min £500, Prestige capped at £30,000
Canada Life

Age from 55

Platinum Interest/Voluntary from age 55

Incl Scotland

 Voluntary Gold 5.31% MER   from age 55

Voluntary Platinum 5.88% from 55 @ 24%

Interest Select Gold 5.12%

Interest Platinum 5.59%

Fee £650 added (Scotland £795)

NEW BTL and Second homes- LUMP SUM ONLY

Lifestyle 5.63%

Voluntary 5.82%

on registration quote PERC in section 2 and will show in section 16 of KFI-already registered email hf-support@canadalife.co.uk request PERC route No affordability

Voluntary accepts payments up to 10% immediately S/Order,BACS or Cheque.

Interest Select – payments from 50% -100% from min 5 years.

Cash back available on loans over £40000  at higher rate. For Reserve see drawn down Fee £650 added (Scotland £795)

FIXED ERC’s year 1-5 = 5% year 6-8 = 3% year 9 =Nil

 2.3% Min £500.
Hodge

Lump sum Lifetime

(Downsizing from Day 1) 
Incl Scotland

 

 

Lump Sum 3.54% mer Lump Sum Extended 4.02%

Min age 60

 

enhanced proc fee Option for fee free or pay for cheaper rate- Options on redemption penalties, fixed or variable

Downsizing guarantee no ERC so if you sell you home from Day 1

 2.25% max £11,250
Just

Lump sum Lite
Incl Scotland

J2 available in Northern Ireland

 

Roll up or Interest payments

J2 with higher LTV and higher rate for J3, J4 depending on age, reserve with incentive if paying interest with rate reward.

55+

Deals with cash backs of 2% – 5% rates go up please check with Jane

£0 no lender fee Club Exclusive

 

Free valuation Lump Sum Lite no lender fee 10% rule with 6 payment per year immediate- £500 – 10% with minimum balance of £10,000- 2-1 compassion 3 year exemption

Free valuation

2% min £600
Just

 

J1 Incl Northern Ireland

Roll up J1

3.32%

£600 lender fee. – free valuation Exclusive

 

FREE valuation 10% rule with 6 payment per year immediate- £500 – 10% with minimum balance of £10,000- 2-1 compassion 3 year exemption Free valuation 2.0% Min £600
Just 

Incl Scotland

 

J5- Medical

Various with cash backs

Fee £0 ***

Refer to lender and web site

FREE  valuation 10% rule with 6 payment per year immediate- £500 – 10% with minimum balanceof £10,000- 2-1 compassion 3 year exemption

Free valuation medical enhanced LTV’s

2.0% Min £600
Legal & General Home Finance 
Incl Scotland Standard Flexible scheme of 4 payment a year to 10% &Optional payments– interest collected by DDM monthly from £25 to full interest.
 

Rates Black  from 3.16% min loan £100,000- commission at 2% cap at £10,000

Pink from 3.19% with £629 fee or £30 TT fee 3.23% or  2% cash back 3.43% MER’s

Flat 85%

Min val £100k X local £150K

 

FREE  valuation an uplift in commissions Online KFI

www.landghomefinance.com Select PERC through club route for higher procuration fees.

Free valuation

2.85% Min £500 max £10,000 anything over rebated to client . BLACK 2% ONLY
Legal & General Home Finance 
Incl ScotlandOptional – interest collected by DDM from £25.00 a month
ORANGE

3.22% fee £629- 3.26% £30TT and 3.45% C/B 2%

Yellow

3.34% with £629 fee or 3.38% £30 TT fee or 3.57% with 2% cash back

Flats 85%

Min val £100K

X local min £150K

 

Free Valuation and higher procuration fee Free valuation 

www.landghomefinance.com Select PERC through club route for higher procuration fees

2.85% min £500 max £10,000 anything over rebated to client.   
Legal & General Home Finance GREEN 3.54% £629 fee or 3.58% £30 TT or 3.77% 2% C/B

 

BLUE

4.23% with £629 fee or 4.27% £30 TT fee or 4.46% with 2% cash back

Flats 85%

X local authority min £150,000

 

  Free Valuation and higher proc fee Free valuation 

www.landghomefinance.com Select PERC through club route for higher procuration fees

2.85% min £500 max £10,000 anything over rebated to client
Legal & General Home Finance Indigo

4.95% with £629 fee or 4.98% £30 TT or 518% with 2% cash back

Flats 85% min val £100K Xlocal £150K

 

Free valuation & higher proc fee  Free valuation 

www.landghomefinance.com Select PERC through club route for higher procuration fees

2.85% enhanced commission with max £10,000 with anything over rebated to client 
 Legal & General Incl Scotland  

Black

3.16% pay £629 fee or 3.20% £30 TT fee

Minimum loan £100,000

Age 55

Flats remember 85% rule

 

Free valuation   

www.landghomefinance.com Select PERC through club route for higher procuration fees

 2.0%  Min £500 max £10,000 with anything over and above rebated to client.
LV= From 3.16% – 3.73%  (sourcing quote specific amount to get rate)

Lender fee £595 for loans over £50K no fee until 31st August 2019

Free valuation to £1.5m and increased procuration fee  Free valuation to £1,500,000 and increased procuration fees

10% one annual overpayment min £1,000

Downsizing if unacceptable property if unable to port.

FIXED ERC’s

 *1.75% paid at completion
 more 2 life Capital Choice/ Maximum Choice

Eng/Wales and Scotland

NEW LITE range 3.49% MER

standard from 3.72%Draw down 4.45%

Capital Choice Plus 4.62% range 60 -75

Draw down 5.04%

Maximum Choice from 5.13% lump

 

PRIME CHOICE 6.03% HIGH LTV’s- ENGLAND & WALES Age 55- 84

No lender fee at present

Cheaper rates if valuation paid

Free Valuations – online please change user profile and select PERC in drop down for club. to get up lift in commissions

Max plan has option for lower rate with valuation fee payable. Min Val £100,000 max loan £750,000

 Self Cert style with payment options
Capital Choice Higher rate for  3% cash back on loans over £35,000 with Flexible repayment option of £50 to 10% p.a immediately without incurring ERC’s.  FIXED ERC’s on the balance **5% year 1-5 & 3% in year 6-10 0% over year 11 -PLEASE NOTE % on the balance of account.Maximum Choice flexible repayment option with ERC 6% in year 1-5 and 6% in year 6-10 conditional on gilts.Prime Choice fixed ERC year 1=10% year 2=9% all way until year 111 no ERC.
 2.25% for club members on initial for Maximum  choice a 1.5% on draw down

(2% standard)

more 2 life Tailored Choice/enhanced

Min Property £70,000

Eng/Wales and Scotland

Enhanced – Various with cash backs (higher LTV’s medical calculator on LENDER WEBSITE

1% -3% cash back depending single/joint and age please refer to lender website.

– online must change user profile to PERC then only select club drop down box  Free valuation. Medical- Redemptions based on Variable gilts. 2.25% Club exclusive

(2% standard)

Onefamily
Incl Scotland
Interest only- fixed for life from 4.34%/ 4.79%

Lender fee £950 can be added

uplift in commission to 2.3%- online must change user profile to PERC then only select club drop down box  Free valuation to £1 m if over a contribution

Fixed ERC’s Year

6% year 1-3

5% in year 4, 4% in year 5 3% in year 6 2% in year 7 and 1% in year 8.

0% thereafter

Downsizing guarantee after 5 years- voluntary payments.

 2.3% (2.1% Standard)
OneFamily
Incl Scotland
 

 

Voluntary. Fixed and variable

FIXED Lite 4.34% (4.34%mer)

Standard 4.79%

 

uplift in commission to 2.3%- online must change user profile to PERC then only select club drop down box Free valuation to £1 million if over contribution

Fixed ERC’s

6% in year 1-5

3% in year 6-10

0% thereafter

 

 2.3% (2.1% standard)
Pure Retirement
Incl Scotland
 

Heritage– 6 payments a year £500 – 10%

4 Tiers with rates from 3.70% can include package at extra %

Package is £895 fee, £600 & £300 contribution to legal and advice with 3% cashback for loans over £20,000.

 

 

Free valuation , uplift in commission   

Free valuations, package available.
various cash backs available.

 2.3% enhanced Min £500

Reserve on draw down at 1.15%

Pure Retirement
Incl Scotland
 Sovereign ELITE- Large loans £725,000 – £2M if over refer- available on A B C Range.

 

Free val  Free valuations  2.3% enhanced Capped at £20,000

 

 

Pure Retirement incl Scotland 

 

 

   Sovereign 

5 tiers rates from 3.78%

Standard package

Or package with £895 lender fee, £600 & £300 for legal and advice contributions and 3% cash back

 

Free val with uplift in commissions Free valuations- 10 year fixed ERC’s

 

2.3% enhanced min £500

 

Paid on initial only

 Retirement Advantage – now Canada Life 

 

 . ,  
 Hoping for a new lender  

 

 

 

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 need outputs sheet, Canada Life need you to be registered with PERC route and with other online lender use the user profile to update PERC route and select mortgage club and manual lenders please quote PERC when ordering quotes EVERY APPLICATION MUST quote PERC in club route or have a branded application for or enclose a PERC WRAP Submission which you can download here.

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