Reasons To Choose LV= Equity Release
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Fixed and transparent early repayment charges (ERCs)
Our ERCs end after 10 years on our Plus (+) range, and after 8 years on our Lifestyle range.
On both of our Drawdown products, the ERC charging period is based on the completion date of the original loan, rather than the date of further withdrawals made.
Unlimited ERC-free repayments each year
From day 1, customers can choose to make an unlimited number of ERC-free repayments (minimum £50) totalling up to:
10% of the total advances borrowed* with our Lifetime Mortgage Lump Sum+ and Drawdown+.
Or
11% of the total advances borrowed* with our Lifetime Mortgage Lump Sum Lifestyle and Drawdown Lifestyle.
*Excludes additional borrowing
A Trusted Brand
Our lifetime mortgage products are industry recognised by Defaqto and are highly rated for their quality and features.
5 Star Defaqto rating 2025
- Lifetime Mortgage Drawdown Lifestyle
- Lifetime Mortgage Drawdown+
- Lifetime Mortgage Lump Sum+
4 Star Defaqto rating 2025
- Lifetime Mortgage Lump Sum Lifestyle
Added Value For Clients
We understand that later life is a lot more than just financial security. That’s why we offer two non-contractual benefits – LV= Doctor Services and Care Navigator.
LV= Doctor Services is an online consultation service that gives your clients fast and convenient access to medical services provided by Square Health, via a simple online app.
Care Navigator helps clients navigate their way through the care system, LV= has teamed up with MorganAsh to offer clients Care Navigator who provide a specialist support and guidance for those looking for help with their care needs.
LV= Doctor Services, and the services available through LV= Care Navigator are provided by third party companies. These services are not regulated by the Financial Conduct Authority or the Prudential Regulation Authority and are non-contractual benefits which and can be removed or changed at any time.
Adviser Tools
Equity Release Portal
Enables you to place business efficiently and flexibly, with 24/7 access.
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Document Library
Search and download product literature.
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Adviser Marketing Hub
Explore our range of resources and ready-made content to help you market yourself and your business.
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High Value Lending Hub
Our dedicated team of high value lending specialists are available to support you and your clients with lifetime mortgage cases of £500,000 or more.
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Flood Checker Tool
Designed to give you an early indication as to whether your client's property will meet our flood risk lending criteria.
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LV= Wealth and Wellbeing hub
Read the latest reports from our Wealth and Wellbeing Research Programme.
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