These materials are intended for use by Financial Advisers only

OneFamily Adviser

OneFamily Lifetime Mortgages

  • A range of lump sum lifetime mortgages including Fixed and Variable rates
  • Option to make monthly interest payments or more flexible payments
  • Direct, easy access to our sales and underwriting teams
  • All products comply with Equity Release Council Standards

COVID-19: We are here for you and want to keep you informed at this time

For details of our response to the current situation, our continuing service and support and how to get in touch with us

Please visit our Lifetime Mortgage Coronavirus Hub Page.

Our Lifetime Mortgage options

Super LTV Fixed Rate

Our Super LTV lifetime Mortgage is designed to provide your customers with a one-off lump sum amount at a fixed rate of interest with higher loan-to-value than our Standard LTV.

View Super LTV







Variable Rate

For customers that want a lower initial rate and are comfortable that the rate is linked to the Consumer Price Index and is likely to change each December

View Products

Fixed Rate

For customers who want the certainty that the rate won't change for the life of the mortgage

View Products

2-year Fixed Rate

For customers 55-70, who want our lowest initial rate and are comfortable that after the initial period, the rate is linked to Consumer Price Index and is likely to change each December

View Products

Lifetime Mortgages Product Support

Click below to find our sales support tools for our Lifetime Mortgage products and how they can benefit your customers.

Frequently Asked Questions

Lifetime Mortgage Calculator

Show your customer the maximum loan amount they could be eligible for
(based on our Standard LTVs).



Later Life Perspective

Here you can find information relating to starting to advise on equity release, growing your advice business, understanding your customers and support in helping your customers with their unique challenges, as well as some tips on how to implement and evidence the fair treatment of customers.

Explore knowledge hub

Why a OneFamily Lifetime Mortgage?

We only sell our products through independent financial advisers like you.

OneFamily is customer-owned, so instead of paying dividends to shareholders, we can focus on delivering value to your clients by investing more in the things that matter most.


Member of the Equity Release Council

We are governed by the council’s strict code of conduct and all our plans come with Equity Release Council Safeguards. To find out more, visit the ERC website

Equity Release Council Logo

Contact the team


Lifetime mortgage sales support:
[email protected]

Lifetime mortgage underwriting:

[email protected]


Lifetime Mortgage support:
0800 802 1645*

*Open Monday to Friday 9am to 5.30pm
Calls may be recorded for training purposes
Free from UK landlines only


Lifetime Mortgage Support
16-17 West Street,