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

from 4.27% 3 tiered rates with reserve options at loaded rate.

on registration quote TPERC in section 2 and will show in section 16 of KFI – already registered email hf-support@canadalife.co.uk request TPERC 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 4.09%AER (4.02%MER)

Gold 4.48%  AER @55

Gold Plus 5.59% AER@60

Platinum- 6.58% AER-

Platinum 3% cash back at 6.88%AER (6.67% mer) lump sum only from age 60 @ 32%

Prestige 5.29% AER (5.27% MER) LARGE Loans £250,000 – £2 million

Cash facility available at 0.2% extra

 on registration quote TPERC in section 2 and will show in section 16 of KFI – already registered email hf-support@canadalife.co.uk request TPERC 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 5.55% mer  (5.69%AER) from age 55

Voluntary Platinum 6.12%(6.29%AER)from 55 @ 24%

Interest Select Gold 5.36%(5.45%)

Interest Platinum 5.83%(5.99%)

Fee £650 added (Scotland £795)

NEW BTL and Second homes- LUMP SUM ONLY

Lifestyle 6.16% AER

Voluntary 6.36% AER

on registration quote TPERC in section 2 and will show in section 16 of KFI-already registered email hf-support@canadalife.co.uk request TPERC 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) 
Incl Scotland

 Downsizing

Lump Sum 4.14%(4.06% mer) Lump Sum Plus from 23/1/19 4.44%

Min age 60

Discounted valuations

Early release fee variable. BUT this product has the downsizing guarantee so if you sell you home after 5 years no early repayment charges.before 5,4,3,2,1

 2.25% max £11,250
Just
Incl Scotland
Deal-

Interest payments

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

55-69 – from 4.80%AER

70+ from 4.60% if paying over 75% of interest payments.

Deals with cash back of £500 – £2,000 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

 Lump Sum Plus

Roll up J2, J3, J4

55-69 from 5.10%

70+ from 4.90%

Deals with cash back of £500- £2000  rates go up please refer to club

£0 lender fee. – 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 

Lump sum Enhanced 
Incl Scotland

 J5

6.10%

Fee £0 ***

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 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 Premier from 3.71% or LONDON and S/EAST 3.73% min loan £100,000

Flexible/ optional  3.80% or  2% cash back 4.00% AER’s LONDON & S/EAST 4.02%AER £ZERO lender fee

If paying £599 lender fee cheaper rates

Flat 85%

Min val £100k X local £150K

FREE  valuation an uplift in commissions Online KFI

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

Free valuation

2.25% Min £500 max £10,000 anything over rebated to client .
Legal & General Home Finance 
Incl ScotlandOptional – interest collected by DDM from £25.00 a month
Flexi Plus/ Opt Plus

4.16% for LONDON AND S/EAST 4.20% Flexible PLUS or 2% cash back on higher rate

If paying £599 lender fee rate cheaper rates

Flats 85%

Min val £100K

X local min £150K

Free Valuation and higher procuration fee Free valuation 

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

2.25% min £500 max £10,000 anything over rebated to client.   
Legal & General Home Finance  Flexi Max

4.95% rest of Uk for LONDON  & S/EAST 4.99%  Flexi Max or 2% cash back  for higher rate

If pay £599 lender fee cheaper ratet

Flats 85%

X local authority min £150,000

  Free Valuation and higher proc fee Free valuation 

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

2.25% min £500 max £10,000 anything over rebated to client
Legal & General Home Finance Flexi Max Plus rate

5.74% for rest of uk or for LONDON & S/EAST 5.80%  Flexi Max Plus or for 2% cash back higher rate of if paying £599 lender fee cheaper rate

 

Flats 85% min val £100K Xlocal £150K

Free valuation & higher proc fee  Free valuation 

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

2.25% enhanced commission with max £10,000 with anything over rebated to client 
 Legal & General Incl Scotland  Premier rates from

3.71% for LONDON & S/EAST 3.73% PREMIER Flexible   Age 55
Fee £0.-£30 TT fee

Flats remember 85% rule

   

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

 2.25% enhanced Min £500 max £10,000 with anything over and above rebated to client.
LV= 3.70%%AER  lite, 3.95% standard and 4.51% max.  (sourcing quote specific amount to get rate)Lender fee £595 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

4.56%  AER (4.47% monthly)no cash back or cash back 3% higher rate-Fee £0

Capital Choice Plus 4.91% (4.80%) 3% cash back 5.26% (5.14%) range 60 -75

 

Maximum Choice 5.65% lump

No lender fee at present

Cheaper rates if valuation paid

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

Max plan has option for lower rate with valuation fee payable.

 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.
 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 – 6.33% (6.15%mer) -(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 TPERC then only select club drop down box  Free valuation. Medical 2.25% Club exclusive

(2% standard)

Onefamily
Incl Scotland
 

New 2 year fixed interest roll up lite until 30th Nov 2020 3.97% (3.90%mer) and std 4.28% (4.20%mer)

or

Variable – 4.80%(4.70%mer)Interest roll up lite -variable  tracker to CPI set in September and applied 1st December ( cap 2.50% and collar 7.50%) Standard rate 5.22% (5.10%mer)

or  FIXED Lite 4.43% (4.34%mer)

Standard 4.90% (4.79%mer)

 

Voluntary and Interest payment rates same as above

Lender fee £950 can be added

 

 

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

Fixed ERC’s Year

6% year 1-5

3% in year 6-10

0% thereafter

Downsizing guarantee after 5 years

 2.3% (2.1% Standard)
OneFamily
Incl Scotland
 

 

Interest and Voluntary. Fixed and variable

 

uplift in commission to 2.3%- online must change user profile to TPERC 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
 

Max lite from 5.11% – 5.61% depends on contributions

Free valuation and cash backs uplift in commission   Higher LTV’s free valuation to £500,000 (if over refundable on completion).  2.3% enhanced Min £500

Reserve on draw down at 1.15%

Pure Retirement
Incl Scotland
MAX from 5.53% – 6.13%  depends on contributions

 

Fee val and cash backs with uplift in commissions  Higher LTV’s free valuation to £500,000 (if over refundable on completion).  2.3% enhanced Min £500

Reserve on draw down 1.15%

Pure Retirement incl Scotland 

 

 

MAX PLUS 5.69% – 6.29% depends on contributions

Free val and cash backs with uplift in commissions Higher LTV’s free valuation to £500,000 (if over refundable on completion). 2.3% enhanced min £500
 Pure SOVEREIGN 

 

% levels of Loan to values from 3.83% MER

3 levels of contribution

3 levels of draw down

Extra means rate loadings

,Free val and cash backs with uplift in commissions  Fixed erc’s year 1-5 = 5% and year 6-8 = 3%  2.3% enhanced min £500

Paid on initial only

 Retirement Advantage- see Canada life  

 

 

 

Please note: This information is for registered intermediaries. Not to issued to members of the public. Note: TPERC 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, Retirement Advantage need you to be registered with TPERC route and with other online lender use the user profile to update TPERC route and select mortgage club and manual lenders please quote PERC when ordering quotes EVERY APPLICATION MUST quote TPERC in club route or have a branded application for or enclose a TPERC WRAP Submission which you can download here.

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