Legal & General

Legal & General is a multi-national insurance, pensions and investments company based in London. It was founded in 1836 by a group of six lawyers. It is listed on the London Stock Exchange and is a member of the FTSE 100. 

Legal & General
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Life insurance

Ranked 17th of 24 providers reviewed.

Claims score 71.00%
Complaints performance 85.31%
Transparency rating 66.36%
Fairer Finance score
Reviewed Autumn 2023
74%

Equity Release

Legal & General

Flexible Orange - £599 fee (Variable ERC)

2 stars
Early repayment charge (if you repay in year 3 of the loan) 25% Cap
Are you allowed to sell and move to a smaller property without paying early repayment charges? i
Is there an admin fee when the loan is repaid? i £125.00
Early repayment charge (if you repay in year 6 of the loan) 25% Cap
Early repayment charge (if you repay in year 12 of the loan) 25% Cap
Can you repay penalty free if one borrower dies or goes into care? i
Is there an admin fee when part of the loan is repaid? i £0.00
Max Partial repayments allowed in a year 10%
Portable
Adding or removing someone to your loan (England and Wales) £475.00
Adding or removing someone to your loan (Scotland) £475.00
Member of the equity release council
Minimum Cash Reserve £2,000.00
Number of payments allowed per annum (repayment flexibility) 12

Legal & General

Premier Optional Black (Fixed ERC)

2 stars
Early repayment charge (if you repay in year 3 of the loan) 9%
Are you allowed to sell and move to a smaller property without paying early repayment charges? i
Is there an admin fee when the loan is repaid? i £125.00
Early repayment charge (if you repay in year 6 of the loan) 8%
Early repayment charge (if you repay in year 12 of the loan) 4%
Can you repay penalty free if one borrower dies or goes into care? i
Is there an admin fee when part of the loan is repaid? i £0.00
Max Partial repayments allowed in a year 10%
Portable
Adding or removing someone to your loan (England and Wales) £475.00
Adding or removing someone to your loan (Scotland) £475.00
Member of the equity release council
Minimum Cash Reserve £2,000.00
Number of payments allowed per annum (repayment flexibility) 4

Legal & General

Optional Payment Pink (Fixed ERC)

2 stars
Early repayment charge (if you repay in year 3 of the loan) 9%
Are you allowed to sell and move to a smaller property without paying early repayment charges? i
Is there an admin fee when the loan is repaid? i £125.00
Early repayment charge (if you repay in year 6 of the loan) 8%
Early repayment charge (if you repay in year 12 of the loan) 4%
Can you repay penalty free if one borrower dies or goes into care? i
Is there an admin fee when part of the loan is repaid? i £0.00
Max Partial repayments allowed in a year 10%
Portable
Adding or removing someone to your loan (England and Wales) £475.00
Adding or removing someone to your loan (Scotland) £475.00
Member of the equity release council
Minimum Cash Reserve £2,000.00
Number of payments allowed per annum (repayment flexibility) 12

Legal & General

Flexible Yellow - £599 fee (Fixed ERC)

2 stars
Early repayment charge (if you repay in year 3 of the loan) 9%
Are you allowed to sell and move to a smaller property without paying early repayment charges? i
Is there an admin fee when the loan is repaid? i £125.00
Early repayment charge (if you repay in year 6 of the loan) 8%
Early repayment charge (if you repay in year 12 of the loan) 4%
Can you repay penalty free if one borrower dies or goes into care? i
Is there an admin fee when part of the loan is repaid? i £0.00
Max Partial repayments allowed in a year 10%
Portable
Adding or removing someone to your loan (England and Wales) £475.00
Adding or removing someone to your loan (Scotland) £475.00
Member of the equity release council
Minimum Cash Reserve £2,000.00
Number of payments allowed per annum (repayment flexibility) 12

Legal & General

Premier Optional Yellow (Fixed ERC)

2 stars
Early repayment charge (if you repay in year 3 of the loan) 9%
Are you allowed to sell and move to a smaller property without paying early repayment charges? i
Is there an admin fee when the loan is repaid? i £125.00
Early repayment charge (if you repay in year 6 of the loan) 8%
Early repayment charge (if you repay in year 12 of the loan) 4%
Can you repay penalty free if one borrower dies or goes into care? i
Is there an admin fee when part of the loan is repaid? i £0.00
Max Partial repayments allowed in a year 10%
Portable
Adding or removing someone to your loan (England and Wales) £475.00
Adding or removing someone to your loan (Scotland) £475.00
Member of the equity release council
Minimum Cash Reserve £2,000.00
Number of payments allowed per annum (repayment flexibility) 4

Legal & General

Optional Payment Graphite - £599 fee (Fixed ERC)

2 stars
Early repayment charge (if you repay in year 3 of the loan) 9%
Are you allowed to sell and move to a smaller property without paying early repayment charges? i
Is there an admin fee when the loan is repaid? i £125.00
Early repayment charge (if you repay in year 6 of the loan) 8%
Early repayment charge (if you repay in year 12 of the loan) 4%
Can you repay penalty free if one borrower dies or goes into care? i
Is there an admin fee when part of the loan is repaid? i £0.00
Max Partial repayments allowed in a year 10%
Portable
Adding or removing someone to your loan (England and Wales) £475.00
Adding or removing someone to your loan (Scotland) £475.00
Member of the equity release council
Minimum Cash Reserve £2,000.00
Number of payments allowed per annum (repayment flexibility) 12

Legal & General

Optional Payment Pink - £599 fee (Variable ERC)

2 stars
Early repayment charge (if you repay in year 3 of the loan) 25% Cap
Are you allowed to sell and move to a smaller property without paying early repayment charges? i
Is there an admin fee when the loan is repaid? i £125.00
Early repayment charge (if you repay in year 6 of the loan) 25% Cap
Early repayment charge (if you repay in year 12 of the loan) 25% Cap
Can you repay penalty free if one borrower dies or goes into care? i
Is there an admin fee when part of the loan is repaid? i £0.00
Max Partial repayments allowed in a year 10%
Portable
Adding or removing someone to your loan (England and Wales) £475.00
Adding or removing someone to your loan (Scotland) £475.00
Member of the equity release council
Minimum Cash Reserve £2,000.00
Number of payments allowed per annum (repayment flexibility) 12

Legal & General

Flexible Black - £599 fee (Variable ERC)

2 stars
Early repayment charge (if you repay in year 3 of the loan) 25% Cap
Are you allowed to sell and move to a smaller property without paying early repayment charges? i
Is there an admin fee when the loan is repaid? i £125.00
Early repayment charge (if you repay in year 6 of the loan) 25% Cap
Early repayment charge (if you repay in year 12 of the loan) 25% Cap
Can you repay penalty free if one borrower dies or goes into care? i
Is there an admin fee when part of the loan is repaid? i £0.00
Max Partial repayments allowed in a year 10%
Portable
Adding or removing someone to your loan (England and Wales) £475.00
Adding or removing someone to your loan (Scotland) £475.00
Member of the equity release council
Minimum Cash Reserve £2,000.00
Number of payments allowed per annum (repayment flexibility) 12

Legal & General

Optional Payment Pearl (Fixed ERC)

2 stars
Early repayment charge (if you repay in year 3 of the loan) 9%
Are you allowed to sell and move to a smaller property without paying early repayment charges? i
Is there an admin fee when the loan is repaid? i £125.00
Early repayment charge (if you repay in year 6 of the loan) 8%
Early repayment charge (if you repay in year 12 of the loan) 4%
Can you repay penalty free if one borrower dies or goes into care? i
Is there an admin fee when part of the loan is repaid? i £0.00
Max Partial repayments allowed in a year 10%
Portable
Adding or removing someone to your loan (England and Wales) £475.00
Adding or removing someone to your loan (Scotland) £475.00
Member of the equity release council
Minimum Cash Reserve £2,000.00
Number of payments allowed per annum (repayment flexibility) 12

Legal & General

Flexible Yellow - £599 fee (Variable ERC)

2 stars
Early repayment charge (if you repay in year 3 of the loan) 25% Cap
Are you allowed to sell and move to a smaller property without paying early repayment charges? i
Is there an admin fee when the loan is repaid? i £125.00
Early repayment charge (if you repay in year 6 of the loan) 25% Cap
Early repayment charge (if you repay in year 12 of the loan) 25% Cap
Can you repay penalty free if one borrower dies or goes into care? i
Is there an admin fee when part of the loan is repaid? i £0.00
Max Partial repayments allowed in a year 10%
Portable
Adding or removing someone to your loan (England and Wales) £475.00
Adding or removing someone to your loan (Scotland) £475.00
Member of the equity release council
Minimum Cash Reserve £2,000.00
Number of payments allowed per annum (repayment flexibility) 12

Legal & General

Flexible Green - £599 fee (Fixed ERC)

2 stars
Early repayment charge (if you repay in year 3 of the loan) 9%
Are you allowed to sell and move to a smaller property without paying early repayment charges? i
Is there an admin fee when the loan is repaid? i £125.00
Early repayment charge (if you repay in year 6 of the loan) 8%
Early repayment charge (if you repay in year 12 of the loan) 4%
Can you repay penalty free if one borrower dies or goes into care? i
Is there an admin fee when part of the loan is repaid? i £0.00
Max Partial repayments allowed in a year 10%
Portable
Adding or removing someone to your loan (England and Wales) £475.00
Adding or removing someone to your loan (Scotland) £475.00
Member of the equity release council
Minimum Cash Reserve £2,000.00
Number of payments allowed per annum (repayment flexibility) 12

Legal & General

Flexible Orange (Variable ERC)

2 stars
Early repayment charge (if you repay in year 3 of the loan) 25% Cap
Are you allowed to sell and move to a smaller property without paying early repayment charges? i
Is there an admin fee when the loan is repaid? i £125.00
Early repayment charge (if you repay in year 6 of the loan) 25% Cap
Early repayment charge (if you repay in year 12 of the loan) 25% Cap
Can you repay penalty free if one borrower dies or goes into care? i
Is there an admin fee when part of the loan is repaid? i £0.00
Max Partial repayments allowed in a year 10%
Portable
Adding or removing someone to your loan (England and Wales) £475.00
Adding or removing someone to your loan (Scotland) £475.00
Member of the equity release council
Minimum Cash Reserve £2,000.00
Number of payments allowed per annum (repayment flexibility) 12

Legal & General

Flexible Pink (Variable ERC)

2 stars
Early repayment charge (if you repay in year 3 of the loan) 25% Cap
Are you allowed to sell and move to a smaller property without paying early repayment charges? i
Is there an admin fee when the loan is repaid? i £125.00
Early repayment charge (if you repay in year 6 of the loan) 25% Cap
Early repayment charge (if you repay in year 12 of the loan) 25% Cap
Can you repay penalty free if one borrower dies or goes into care? i
Is there an admin fee when part of the loan is repaid? i £0.00
Max Partial repayments allowed in a year 10%
Portable
Adding or removing someone to your loan (England and Wales) £475.00
Adding or removing someone to your loan (Scotland) £475.00
Member of the equity release council
Minimum Cash Reserve £2,000.00
Number of payments allowed per annum (repayment flexibility) 12

Legal & General

Premier Optional Opal (Variable ERC)

2 stars
Early repayment charge (if you repay in year 3 of the loan) 25% Cap
Are you allowed to sell and move to a smaller property without paying early repayment charges? i
Is there an admin fee when the loan is repaid? i £125.00
Early repayment charge (if you repay in year 6 of the loan) 25% Cap
Early repayment charge (if you repay in year 12 of the loan) 25% Cap
Can you repay penalty free if one borrower dies or goes into care? i
Is there an admin fee when part of the loan is repaid? i £0.00
Max Partial repayments allowed in a year 10%
Portable
Adding or removing someone to your loan (England and Wales) £475.00
Adding or removing someone to your loan (Scotland) £475.00
Member of the equity release council
Minimum Cash Reserve £2,000.00
Number of payments allowed per annum (repayment flexibility) 4

Legal & General

Optional Payment Black - £599 fee (Variable ERC)

2 stars
Early repayment charge (if you repay in year 3 of the loan) 25% Cap
Are you allowed to sell and move to a smaller property without paying early repayment charges? i
Is there an admin fee when the loan is repaid? i £125.00
Early repayment charge (if you repay in year 6 of the loan) 25% Cap
Early repayment charge (if you repay in year 12 of the loan) 25% Cap
Can you repay penalty free if one borrower dies or goes into care? i
Is there an admin fee when part of the loan is repaid? i £0.00
Max Partial repayments allowed in a year 10%
Portable
Adding or removing someone to your loan (England and Wales) £475.00
Adding or removing someone to your loan (Scotland) £475.00
Member of the equity release council
Minimum Cash Reserve £2,000.00
Number of payments allowed per annum (repayment flexibility) 12

Legal & General

Optional Payment Orange (Fixed ERC)

2 stars
Early repayment charge (if you repay in year 3 of the loan) 9%
Are you allowed to sell and move to a smaller property without paying early repayment charges? i
Is there an admin fee when the loan is repaid? i £125.00
Early repayment charge (if you repay in year 6 of the loan) 8%
Early repayment charge (if you repay in year 12 of the loan) 4%
Can you repay penalty free if one borrower dies or goes into care? i
Is there an admin fee when part of the loan is repaid? i £0.00
Max Partial repayments allowed in a year 10%
Portable
Adding or removing someone to your loan (England and Wales) £475.00
Adding or removing someone to your loan (Scotland) £475.00
Member of the equity release council
Minimum Cash Reserve £2,000.00
Number of payments allowed per annum (repayment flexibility) 12

Legal & General

Flexible Green (Fixed ERC)

2 stars
Early repayment charge (if you repay in year 3 of the loan) 9%
Are you allowed to sell and move to a smaller property without paying early repayment charges? i
Is there an admin fee when the loan is repaid? i £125.00
Early repayment charge (if you repay in year 6 of the loan) 8%
Early repayment charge (if you repay in year 12 of the loan) 4%
Can you repay penalty free if one borrower dies or goes into care? i
Is there an admin fee when part of the loan is repaid? i £0.00
Max Partial repayments allowed in a year 10%
Portable
Adding or removing someone to your loan (England and Wales) £475.00
Adding or removing someone to your loan (Scotland) £475.00
Member of the equity release council
Minimum Cash Reserve £2,000.00
Number of payments allowed per annum (repayment flexibility) 12

Legal & General

Optional Payment Pearl - £599 fee (Fixed ERC)

2 stars
Early repayment charge (if you repay in year 3 of the loan) 9%
Are you allowed to sell and move to a smaller property without paying early repayment charges? i
Is there an admin fee when the loan is repaid? i £125.00
Early repayment charge (if you repay in year 6 of the loan) 8%
Early repayment charge (if you repay in year 12 of the loan) 4%
Can you repay penalty free if one borrower dies or goes into care? i
Is there an admin fee when part of the loan is repaid? i £0.00
Max Partial repayments allowed in a year 10%
Portable
Adding or removing someone to your loan (England and Wales) £475.00
Adding or removing someone to your loan (Scotland) £475.00
Member of the equity release council
Minimum Cash Reserve £2,000.00
Number of payments allowed per annum (repayment flexibility) 12

Legal & General

Premier Optional Black (Variable ERC)

2 stars
Early repayment charge (if you repay in year 3 of the loan) 25% Cap
Are you allowed to sell and move to a smaller property without paying early repayment charges? i
Is there an admin fee when the loan is repaid? i £125.00
Early repayment charge (if you repay in year 6 of the loan) 25% Cap
Early repayment charge (if you repay in year 12 of the loan) 25% Cap
Can you repay penalty free if one borrower dies or goes into care? i
Is there an admin fee when part of the loan is repaid? i £0.00
Max Partial repayments allowed in a year 10%
Portable
Adding or removing someone to your loan (England and Wales) £475.00
Adding or removing someone to your loan (Scotland) £475.00
Member of the equity release council
Minimum Cash Reserve £2,000.00
Number of payments allowed per annum (repayment flexibility) 4

Legal & General

Flexible Carbon - £599 fee (Variable ERC)

2 stars
Early repayment charge (if you repay in year 3 of the loan) 25% Cap
Are you allowed to sell and move to a smaller property without paying early repayment charges? i
Is there an admin fee when the loan is repaid? i £125.00
Early repayment charge (if you repay in year 6 of the loan) 25% Cap
Early repayment charge (if you repay in year 12 of the loan) 25% Cap
Can you repay penalty free if one borrower dies or goes into care? i
Is there an admin fee when part of the loan is repaid? i £0.00
Max Partial repayments allowed in a year 10%
Portable
Adding or removing someone to your loan (England and Wales) £475.00
Adding or removing someone to your loan (Scotland) £475.00
Member of the equity release council
Minimum Cash Reserve £2,000.00
Number of payments allowed per annum (repayment flexibility) 12

Legal & General

Flexible Yellow (Variable ERC)

2 stars
Early repayment charge (if you repay in year 3 of the loan) 25% Cap
Are you allowed to sell and move to a smaller property without paying early repayment charges? i
Is there an admin fee when the loan is repaid? i £125.00
Early repayment charge (if you repay in year 6 of the loan) 25% Cap
Early repayment charge (if you repay in year 12 of the loan) 25% Cap
Can you repay penalty free if one borrower dies or goes into care? i
Is there an admin fee when part of the loan is repaid? i £0.00
Max Partial repayments allowed in a year 10%
Portable
Adding or removing someone to your loan (England and Wales) £475.00
Adding or removing someone to your loan (Scotland) £475.00
Member of the equity release council
Minimum Cash Reserve £2,000.00
Number of payments allowed per annum (repayment flexibility) 12

Legal & General

Optional Payment Black (Variable ERC)

2 stars
Early repayment charge (if you repay in year 3 of the loan) 25% Cap
Are you allowed to sell and move to a smaller property without paying early repayment charges? i
Is there an admin fee when the loan is repaid? i £125.00
Early repayment charge (if you repay in year 6 of the loan) 25% Cap
Early repayment charge (if you repay in year 12 of the loan) 25% Cap
Can you repay penalty free if one borrower dies or goes into care? i
Is there an admin fee when part of the loan is repaid? i £0.00
Max Partial repayments allowed in a year 10%
Portable
Adding or removing someone to your loan (England and Wales) £475.00
Adding or removing someone to your loan (Scotland) £475.00
Member of the equity release council
Minimum Cash Reserve £2,000.00
Number of payments allowed per annum (repayment flexibility) 12

Legal & General

Optional Payment Opal (Fixed ERC)

2 stars
Early repayment charge (if you repay in year 3 of the loan) 9%
Are you allowed to sell and move to a smaller property without paying early repayment charges? i
Is there an admin fee when the loan is repaid? i £125.00
Early repayment charge (if you repay in year 6 of the loan) 8%
Early repayment charge (if you repay in year 12 of the loan) 4%
Can you repay penalty free if one borrower dies or goes into care? i
Is there an admin fee when part of the loan is repaid? i £0.00
Max Partial repayments allowed in a year 10%
Portable
Adding or removing someone to your loan (England and Wales) £475.00
Adding or removing someone to your loan (Scotland) £475.00
Member of the equity release council
Minimum Cash Reserve £2,000.00
Number of payments allowed per annum (repayment flexibility) 12

Legal & General

Flexible Pink - 2% CB (Fixed ERC)

2 stars
Early repayment charge (if you repay in year 3 of the loan) 9%
Are you allowed to sell and move to a smaller property without paying early repayment charges? i
Is there an admin fee when the loan is repaid? i £125.00
Early repayment charge (if you repay in year 6 of the loan) 8%
Early repayment charge (if you repay in year 12 of the loan) 4%
Can you repay penalty free if one borrower dies or goes into care? i
Is there an admin fee when part of the loan is repaid? i £0.00
Max Partial repayments allowed in a year 10%
Portable
Adding or removing someone to your loan (England and Wales) £475.00
Adding or removing someone to your loan (Scotland) £475.00
Member of the equity release council
Minimum Cash Reserve £2,000.00
Number of payments allowed per annum (repayment flexibility) 12

Legal & General

Flexible Pink - £599 fee (Variable ERC)

2 stars
Early repayment charge (if you repay in year 3 of the loan) 25% Cap
Are you allowed to sell and move to a smaller property without paying early repayment charges? i
Is there an admin fee when the loan is repaid? i £125.00
Early repayment charge (if you repay in year 6 of the loan) 25% Cap
Early repayment charge (if you repay in year 12 of the loan) 25% Cap
Can you repay penalty free if one borrower dies or goes into care? i
Is there an admin fee when part of the loan is repaid? i £0.00
Max Partial repayments allowed in a year 10%
Portable
Adding or removing someone to your loan (England and Wales) £475.00
Adding or removing someone to your loan (Scotland) £475.00
Member of the equity release council
Minimum Cash Reserve £2,000.00
Number of payments allowed per annum (repayment flexibility) 12

Legal & General

Flexible Green (Variable ERC)

2 stars
Early repayment charge (if you repay in year 3 of the loan) 25% Cap
Are you allowed to sell and move to a smaller property without paying early repayment charges? i
Is there an admin fee when the loan is repaid? i £125.00
Early repayment charge (if you repay in year 6 of the loan) 25% Cap
Early repayment charge (if you repay in year 12 of the loan) 25% Cap
Can you repay penalty free if one borrower dies or goes into care? i
Is there an admin fee when part of the loan is repaid? i £0.00
Max Partial repayments allowed in a year 10%
Portable
Adding or removing someone to your loan (England and Wales) £475.00
Adding or removing someone to your loan (Scotland) £475.00
Member of the equity release council
Minimum Cash Reserve £2,000.00
Number of payments allowed per annum (repayment flexibility) 12

Legal & General

Flexible Carbon (Fixed ERC)

2 stars
Early repayment charge (if you repay in year 3 of the loan) 9%
Are you allowed to sell and move to a smaller property without paying early repayment charges? i
Is there an admin fee when the loan is repaid? i £125.00
Early repayment charge (if you repay in year 6 of the loan) 8%
Early repayment charge (if you repay in year 12 of the loan) 4%
Can you repay penalty free if one borrower dies or goes into care? i
Is there an admin fee when part of the loan is repaid? i £0.00
Max Partial repayments allowed in a year 10%
Portable
Adding or removing someone to your loan (England and Wales) £475.00
Adding or removing someone to your loan (Scotland) £475.00
Member of the equity release council
Minimum Cash Reserve £2,000.00
Number of payments allowed per annum (repayment flexibility) 12

Legal & General

Flexible Carbon - £599 fee (Fixed ERC)

2 stars
Early repayment charge (if you repay in year 3 of the loan) 9%
Are you allowed to sell and move to a smaller property without paying early repayment charges? i
Is there an admin fee when the loan is repaid? i £125.00
Early repayment charge (if you repay in year 6 of the loan) 8%
Early repayment charge (if you repay in year 12 of the loan) 4%
Can you repay penalty free if one borrower dies or goes into care? i
Is there an admin fee when part of the loan is repaid? i £0.00
Max Partial repayments allowed in a year 10%
Portable
Adding or removing someone to your loan (England and Wales) £475.00
Adding or removing someone to your loan (Scotland) £475.00
Member of the equity release council
Minimum Cash Reserve £2,000.00
Number of payments allowed per annum (repayment flexibility) 12

Legal & General

Flexible Green - £599 fee (Variable ERC)

2 stars
Early repayment charge (if you repay in year 3 of the loan) 25% Cap
Are you allowed to sell and move to a smaller property without paying early repayment charges? i
Is there an admin fee when the loan is repaid? i £125.00
Early repayment charge (if you repay in year 6 of the loan) 25% Cap
Early repayment charge (if you repay in year 12 of the loan) 25% Cap
Can you repay penalty free if one borrower dies or goes into care? i
Is there an admin fee when part of the loan is repaid? i £0.00
Max Partial repayments allowed in a year 10%
Portable
Adding or removing someone to your loan (England and Wales) £475.00
Adding or removing someone to your loan (Scotland) £475.00
Member of the equity release council
Minimum Cash Reserve £2,000.00
Number of payments allowed per annum (repayment flexibility) 12

Legal & General

Flexible Opal - £599 fee (Variable ERC)

2 stars
Early repayment charge (if you repay in year 3 of the loan) 25% Cap
Are you allowed to sell and move to a smaller property without paying early repayment charges? i
Is there an admin fee when the loan is repaid? i £125.00
Early repayment charge (if you repay in year 6 of the loan) 25% Cap
Early repayment charge (if you repay in year 12 of the loan) 25% Cap
Can you repay penalty free if one borrower dies or goes into care? i
Is there an admin fee when part of the loan is repaid? i £0.00
Max Partial repayments allowed in a year 10%
Portable
Adding or removing someone to your loan (England and Wales) £475.00
Adding or removing someone to your loan (Scotland) £475.00
Member of the equity release council
Minimum Cash Reserve £2,000.00
Number of payments allowed per annum (repayment flexibility) 12

Legal & General

Optional Payment Pearl (Variable ERC)

2 stars
Early repayment charge (if you repay in year 3 of the loan) 25% Cap
Are you allowed to sell and move to a smaller property without paying early repayment charges? i
Is there an admin fee when the loan is repaid? i £125.00
Early repayment charge (if you repay in year 6 of the loan) 25% Cap
Early repayment charge (if you repay in year 12 of the loan) 25% Cap
Can you repay penalty free if one borrower dies or goes into care? i
Is there an admin fee when part of the loan is repaid? i £0.00
Max Partial repayments allowed in a year 10%
Portable
Adding or removing someone to your loan (England and Wales) £475.00
Adding or removing someone to your loan (Scotland) £475.00
Member of the equity release council
Minimum Cash Reserve £2,000.00
Number of payments allowed per annum (repayment flexibility) 12

Legal & General

Flexible Pink (Fixed ERC)

2 stars
Early repayment charge (if you repay in year 3 of the loan) 9%
Are you allowed to sell and move to a smaller property without paying early repayment charges? i
Is there an admin fee when the loan is repaid? i £125.00
Early repayment charge (if you repay in year 6 of the loan) 8%
Early repayment charge (if you repay in year 12 of the loan) 4%
Can you repay penalty free if one borrower dies or goes into care? i
Is there an admin fee when part of the loan is repaid? i £0.00
Max Partial repayments allowed in a year 10%
Portable
Adding or removing someone to your loan (England and Wales) £475.00
Adding or removing someone to your loan (Scotland) £475.00
Member of the equity release council
Minimum Cash Reserve £2,000.00
Number of payments allowed per annum (repayment flexibility) 12

Legal & General

Flexible Pearl (Variable ERC)

2 stars
Early repayment charge (if you repay in year 3 of the loan) 25% Cap
Are you allowed to sell and move to a smaller property without paying early repayment charges? i
Is there an admin fee when the loan is repaid? i £125.00
Early repayment charge (if you repay in year 6 of the loan) 25% Cap
Early repayment charge (if you repay in year 12 of the loan) 25% Cap
Can you repay penalty free if one borrower dies or goes into care? i
Is there an admin fee when part of the loan is repaid? i £0.00
Max Partial repayments allowed in a year 10%
Portable
Adding or removing someone to your loan (England and Wales) £475.00
Adding or removing someone to your loan (Scotland) £475.00
Member of the equity release council
Minimum Cash Reserve £2,000.00
Number of payments allowed per annum (repayment flexibility) 12

Legal & General

Optional Payment Pink - 2% CB (Fixed ERC)

2 stars
Early repayment charge (if you repay in year 3 of the loan) 9%
Are you allowed to sell and move to a smaller property without paying early repayment charges? i
Is there an admin fee when the loan is repaid? i £125.00
Early repayment charge (if you repay in year 6 of the loan) 8%
Early repayment charge (if you repay in year 12 of the loan) 4%
Can you repay penalty free if one borrower dies or goes into care? i
Is there an admin fee when part of the loan is repaid? i £0.00
Max Partial repayments allowed in a year 10%
Portable
Adding or removing someone to your loan (England and Wales) £475.00
Adding or removing someone to your loan (Scotland) £475.00
Member of the equity release council
Minimum Cash Reserve £2,000.00
Number of payments allowed per annum (repayment flexibility) 12

Legal & General

Flexible Pink - 2% CB (Variable ERC)

2 stars
Early repayment charge (if you repay in year 3 of the loan) 25% Cap
Are you allowed to sell and move to a smaller property without paying early repayment charges? i
Is there an admin fee when the loan is repaid? i £125.00
Early repayment charge (if you repay in year 6 of the loan) 25% Cap
Early repayment charge (if you repay in year 12 of the loan) 25% Cap
Can you repay penalty free if one borrower dies or goes into care? i
Is there an admin fee when part of the loan is repaid? i £0.00
Max Partial repayments allowed in a year 10%
Portable
Adding or removing someone to your loan (England and Wales) £475.00
Adding or removing someone to your loan (Scotland) £475.00
Member of the equity release council
Minimum Cash Reserve £2,000.00
Number of payments allowed per annum (repayment flexibility) 12

Legal & General

Premier Optional Graphite (Fixed ERC)

2 stars
Early repayment charge (if you repay in year 3 of the loan) 9%
Are you allowed to sell and move to a smaller property without paying early repayment charges? i
Is there an admin fee when the loan is repaid? i £125.00
Early repayment charge (if you repay in year 6 of the loan) 8%
Early repayment charge (if you repay in year 12 of the loan) 4%
Can you repay penalty free if one borrower dies or goes into care? i
Is there an admin fee when part of the loan is repaid? i £0.00
Max Partial repayments allowed in a year 10%
Portable
Adding or removing someone to your loan (England and Wales) £475.00
Adding or removing someone to your loan (Scotland) £475.00
Member of the equity release council
Minimum Cash Reserve £2,000.00
Number of payments allowed per annum (repayment flexibility) 4

Legal & General

Optional Payment Green (Fixed ERC)

2 stars
Early repayment charge (if you repay in year 3 of the loan) 9%
Are you allowed to sell and move to a smaller property without paying early repayment charges? i
Is there an admin fee when the loan is repaid? i £125.00
Early repayment charge (if you repay in year 6 of the loan) 8%
Early repayment charge (if you repay in year 12 of the loan) 4%
Can you repay penalty free if one borrower dies or goes into care? i
Is there an admin fee when part of the loan is repaid? i £0.00
Max Partial repayments allowed in a year 10%
Portable
Adding or removing someone to your loan (England and Wales) £475.00
Adding or removing someone to your loan (Scotland) £475.00
Member of the equity release council
Minimum Cash Reserve £2,000.00
Number of payments allowed per annum (repayment flexibility) 12

Legal & General

Flexible Pink - £599 fee (Fixed ERC)

2 stars
Early repayment charge (if you repay in year 3 of the loan) 9%
Are you allowed to sell and move to a smaller property without paying early repayment charges? i
Is there an admin fee when the loan is repaid? i £125.00
Early repayment charge (if you repay in year 6 of the loan) 8%
Early repayment charge (if you repay in year 12 of the loan) 4%
Can you repay penalty free if one borrower dies or goes into care? i
Is there an admin fee when part of the loan is repaid? i £0.00
Max Partial repayments allowed in a year 10%
Portable
Adding or removing someone to your loan (England and Wales) £475.00
Adding or removing someone to your loan (Scotland) £475.00
Member of the equity release council
Minimum Cash Reserve £2,000.00
Number of payments allowed per annum (repayment flexibility) 12

Legal & General

Optional Payment Carbon - £599 fee (Fixed ERC)

2 stars
Early repayment charge (if you repay in year 3 of the loan) 9%
Are you allowed to sell and move to a smaller property without paying early repayment charges? i
Is there an admin fee when the loan is repaid? i £125.00
Early repayment charge (if you repay in year 6 of the loan) 8%
Early repayment charge (if you repay in year 12 of the loan) 4%
Can you repay penalty free if one borrower dies or goes into care? i
Is there an admin fee when part of the loan is repaid? i £0.00
Max Partial repayments allowed in a year 10%
Portable
Adding or removing someone to your loan (England and Wales) £475.00
Adding or removing someone to your loan (Scotland) £475.00
Member of the equity release council
Minimum Cash Reserve £2,000.00
Number of payments allowed per annum (repayment flexibility) 12

Legal & General

Optional Payment Black (Fixed ERC)

2 stars
Early repayment charge (if you repay in year 3 of the loan) 9%
Are you allowed to sell and move to a smaller property without paying early repayment charges? i
Is there an admin fee when the loan is repaid? i £125.00
Early repayment charge (if you repay in year 6 of the loan) 8%
Early repayment charge (if you repay in year 12 of the loan) 4%
Can you repay penalty free if one borrower dies or goes into care? i
Is there an admin fee when part of the loan is repaid? i £0.00
Max Partial repayments allowed in a year 10%
Portable
Adding or removing someone to your loan (England and Wales) £475.00
Adding or removing someone to your loan (Scotland) £475.00
Member of the equity release council
Minimum Cash Reserve £2,000.00
Number of payments allowed per annum (repayment flexibility) 12

Legal & General

Optional Payment Orange - £599 fee (Variable ERC)

2 stars
Early repayment charge (if you repay in year 3 of the loan) 25% Cap
Are you allowed to sell and move to a smaller property without paying early repayment charges? i
Is there an admin fee when the loan is repaid? i £125.00
Early repayment charge (if you repay in year 6 of the loan) 25% Cap
Early repayment charge (if you repay in year 12 of the loan) 25% Cap
Can you repay penalty free if one borrower dies or goes into care? i
Is there an admin fee when part of the loan is repaid? i £0.00
Max Partial repayments allowed in a year 10%
Portable
Adding or removing someone to your loan (England and Wales) £475.00
Adding or removing someone to your loan (Scotland) £475.00
Member of the equity release council
Minimum Cash Reserve £2,000.00
Number of payments allowed per annum (repayment flexibility) 12

Legal & General

Optional Payment Pink - 2% CB (Variable ERC)

2 stars
Early repayment charge (if you repay in year 3 of the loan) 25% Cap
Are you allowed to sell and move to a smaller property without paying early repayment charges? i
Is there an admin fee when the loan is repaid? i £125.00
Early repayment charge (if you repay in year 6 of the loan) 25% Cap
Early repayment charge (if you repay in year 12 of the loan) 25% Cap
Can you repay penalty free if one borrower dies or goes into care? i
Is there an admin fee when part of the loan is repaid? i £0.00
Max Partial repayments allowed in a year 10%
Portable
Adding or removing someone to your loan (England and Wales) £475.00
Adding or removing someone to your loan (Scotland) £475.00
Member of the equity release council
Minimum Cash Reserve £2,000.00
Number of payments allowed per annum (repayment flexibility) 12

Legal & General

Premier Optional Yellow (Variable ERC)

2 stars
Early repayment charge (if you repay in year 3 of the loan) 25% Cap
Are you allowed to sell and move to a smaller property without paying early repayment charges? i
Is there an admin fee when the loan is repaid? i £125.00
Early repayment charge (if you repay in year 6 of the loan) 25% Cap
Early repayment charge (if you repay in year 12 of the loan) 25% Cap
Can you repay penalty free if one borrower dies or goes into care? i
Is there an admin fee when part of the loan is repaid? i £0.00
Max Partial repayments allowed in a year 10%
Portable
Adding or removing someone to your loan (England and Wales) £475.00
Adding or removing someone to your loan (Scotland) £475.00
Member of the equity release council
Minimum Cash Reserve £2,000.00
Number of payments allowed per annum (repayment flexibility) 4

Legal & General

Optional Payment Orange - £599 fee (Fixed ERC)

2 stars
Early repayment charge (if you repay in year 3 of the loan) 9%
Are you allowed to sell and move to a smaller property without paying early repayment charges? i
Is there an admin fee when the loan is repaid? i £125.00
Early repayment charge (if you repay in year 6 of the loan) 8%
Early repayment charge (if you repay in year 12 of the loan) 4%
Can you repay penalty free if one borrower dies or goes into care? i
Is there an admin fee when part of the loan is repaid? i £0.00
Max Partial repayments allowed in a year 10%
Portable
Adding or removing someone to your loan (England and Wales) £475.00
Adding or removing someone to your loan (Scotland) £475.00
Member of the equity release council
Minimum Cash Reserve £2,000.00
Number of payments allowed per annum (repayment flexibility) 12

Legal & General

Flexible Carbon (Variable ERC)

2 stars
Early repayment charge (if you repay in year 3 of the loan) 25% Cap
Are you allowed to sell and move to a smaller property without paying early repayment charges? i
Is there an admin fee when the loan is repaid? i £125.00
Early repayment charge (if you repay in year 6 of the loan) 25% Cap
Early repayment charge (if you repay in year 12 of the loan) 25% Cap
Can you repay penalty free if one borrower dies or goes into care? i
Is there an admin fee when part of the loan is repaid? i £0.00
Max Partial repayments allowed in a year 10%
Portable
Adding or removing someone to your loan (England and Wales) £475.00
Adding or removing someone to your loan (Scotland) £475.00
Member of the equity release council
Minimum Cash Reserve £2,000.00
Number of payments allowed per annum (repayment flexibility) 12

Legal & General

Premier Optional carbon (Variable ERC)

2 stars
Early repayment charge (if you repay in year 3 of the loan) 25% Cap
Are you allowed to sell and move to a smaller property without paying early repayment charges? i
Is there an admin fee when the loan is repaid? i £125.00
Early repayment charge (if you repay in year 6 of the loan) 25% Cap
Early repayment charge (if you repay in year 12 of the loan) 25% Cap
Can you repay penalty free if one borrower dies or goes into care? i
Is there an admin fee when part of the loan is repaid? i £0.00
Max Partial repayments allowed in a year 10%
Portable
Adding or removing someone to your loan (England and Wales) £475.00
Adding or removing someone to your loan (Scotland) £475.00
Member of the equity release council
Minimum Cash Reserve £2,000.00
Number of payments allowed per annum (repayment flexibility) 4

Legal & General

Optional Payment Carbon (Variable ERC)

2 stars
Early repayment charge (if you repay in year 3 of the loan) 25% Cap
Are you allowed to sell and move to a smaller property without paying early repayment charges? i
Is there an admin fee when the loan is repaid? i £125.00
Early repayment charge (if you repay in year 6 of the loan) 25% Cap
Early repayment charge (if you repay in year 12 of the loan) 25% Cap
Can you repay penalty free if one borrower dies or goes into care? i
Is there an admin fee when part of the loan is repaid? i £0.00
Max Partial repayments allowed in a year 10%
Portable
Adding or removing someone to your loan (England and Wales) £475.00
Adding or removing someone to your loan (Scotland) £475.00
Member of the equity release council
Minimum Cash Reserve £2,000.00
Number of payments allowed per annum (repayment flexibility) 12

Legal & General

Optional Payment Carbon - £599 fee (Variable ERC)

2 stars
Early repayment charge (if you repay in year 3 of the loan) 25% Cap
Are you allowed to sell and move to a smaller property without paying early repayment charges? i
Is there an admin fee when the loan is repaid? i £125.00
Early repayment charge (if you repay in year 6 of the loan) 25% Cap
Early repayment charge (if you repay in year 12 of the loan) 25% Cap
Can you repay penalty free if one borrower dies or goes into care? i
Is there an admin fee when part of the loan is repaid? i £0.00
Max Partial repayments allowed in a year 10%
Portable
Adding or removing someone to your loan (England and Wales) £475.00
Adding or removing someone to your loan (Scotland) £475.00
Member of the equity release council
Minimum Cash Reserve £2,000.00
Number of payments allowed per annum (repayment flexibility) 12

Legal & General

Optional Payment Carbon (Fixed ERC)

2 stars
Early repayment charge (if you repay in year 3 of the loan) 9%
Are you allowed to sell and move to a smaller property without paying early repayment charges? i
Is there an admin fee when the loan is repaid? i £125.00
Early repayment charge (if you repay in year 6 of the loan) 8%
Early repayment charge (if you repay in year 12 of the loan) 4%
Can you repay penalty free if one borrower dies or goes into care? i
Is there an admin fee when part of the loan is repaid? i £0.00
Max Partial repayments allowed in a year 10%
Portable
Adding or removing someone to your loan (England and Wales) £475.00
Adding or removing someone to your loan (Scotland) £475.00
Member of the equity release council
Minimum Cash Reserve £2,000.00
Number of payments allowed per annum (repayment flexibility) 12

Legal & General

Premier Optional Opal (Fixed ERC)

2 stars
Early repayment charge (if you repay in year 3 of the loan) 9%
Are you allowed to sell and move to a smaller property without paying early repayment charges? i
Is there an admin fee when the loan is repaid? i £125.00
Early repayment charge (if you repay in year 6 of the loan) 8%
Early repayment charge (if you repay in year 12 of the loan) 4%
Can you repay penalty free if one borrower dies or goes into care? i
Is there an admin fee when part of the loan is repaid? i £0.00
Max Partial repayments allowed in a year 10%
Portable
Adding or removing someone to your loan (England and Wales) £475.00
Adding or removing someone to your loan (Scotland) £475.00
Member of the equity release council
Minimum Cash Reserve £2,000.00
Number of payments allowed per annum (repayment flexibility) 4

Legal & General

Optional Payment Yellow (Variable ERC)

2 stars
Early repayment charge (if you repay in year 3 of the loan) 25% Cap
Are you allowed to sell and move to a smaller property without paying early repayment charges? i
Is there an admin fee when the loan is repaid? i £125.00
Early repayment charge (if you repay in year 6 of the loan) 25% Cap
Early repayment charge (if you repay in year 12 of the loan) 25% Cap
Can you repay penalty free if one borrower dies or goes into care? i
Is there an admin fee when part of the loan is repaid? i £0.00
Max Partial repayments allowed in a year 10%
Portable
Adding or removing someone to your loan (England and Wales) £475.00
Adding or removing someone to your loan (Scotland) £475.00
Member of the equity release council
Minimum Cash Reserve £2,000.00
Number of payments allowed per annum (repayment flexibility) 12

Legal & General

Optional Payment Opal - £599 fee (Fixed ERC)

2 stars
Early repayment charge (if you repay in year 3 of the loan) 9%
Are you allowed to sell and move to a smaller property without paying early repayment charges? i
Is there an admin fee when the loan is repaid? i £125.00
Early repayment charge (if you repay in year 6 of the loan) 8%
Early repayment charge (if you repay in year 12 of the loan) 4%
Can you repay penalty free if one borrower dies or goes into care? i
Is there an admin fee when part of the loan is repaid? i £0.00
Max Partial repayments allowed in a year 10%
Portable
Adding or removing someone to your loan (England and Wales) £475.00
Adding or removing someone to your loan (Scotland) £475.00
Member of the equity release council
Minimum Cash Reserve £2,000.00
Number of payments allowed per annum (repayment flexibility) 12

Legal & General

Flexible Graphite (Fixed ERC)

2 stars
Early repayment charge (if you repay in year 3 of the loan) 9%
Are you allowed to sell and move to a smaller property without paying early repayment charges? i
Is there an admin fee when the loan is repaid? i £125.00
Early repayment charge (if you repay in year 6 of the loan) 8%
Early repayment charge (if you repay in year 12 of the loan) 4%
Can you repay penalty free if one borrower dies or goes into care? i
Is there an admin fee when part of the loan is repaid? i £0.00
Max Partial repayments allowed in a year 10%
Portable
Adding or removing someone to your loan (England and Wales) £475.00
Adding or removing someone to your loan (Scotland) £475.00
Member of the equity release council
Minimum Cash Reserve £2,000.00
Number of payments allowed per annum (repayment flexibility) 12

Legal & General

Flexible Orange - £599 fee (Fixed ERC)

2 stars
Early repayment charge (if you repay in year 3 of the loan) 9%
Are you allowed to sell and move to a smaller property without paying early repayment charges? i
Is there an admin fee when the loan is repaid? i £125.00
Early repayment charge (if you repay in year 6 of the loan) 8%
Early repayment charge (if you repay in year 12 of the loan) 4%
Can you repay penalty free if one borrower dies or goes into care? i
Is there an admin fee when part of the loan is repaid? i £0.00
Max Partial repayments allowed in a year 10%
Portable
Adding or removing someone to your loan (England and Wales) £475.00
Adding or removing someone to your loan (Scotland) £475.00
Member of the equity release council
Minimum Cash Reserve £2,000.00
Number of payments allowed per annum (repayment flexibility) 12

Legal & General

Flexible Opal (Variable ERC)

2 stars
Early repayment charge (if you repay in year 3 of the loan) 25% Cap
Are you allowed to sell and move to a smaller property without paying early repayment charges? i
Is there an admin fee when the loan is repaid? i £125.00
Early repayment charge (if you repay in year 6 of the loan) 25% Cap
Early repayment charge (if you repay in year 12 of the loan) 25% Cap
Can you repay penalty free if one borrower dies or goes into care? i
Is there an admin fee when part of the loan is repaid? i £0.00
Max Partial repayments allowed in a year 10%
Portable
Adding or removing someone to your loan (England and Wales) £475.00
Adding or removing someone to your loan (Scotland) £475.00
Member of the equity release council
Minimum Cash Reserve £2,000.00
Number of payments allowed per annum (repayment flexibility) 12

Legal & General

Optional Payment Pink (Variable ERC)

2 stars
Early repayment charge (if you repay in year 3 of the loan) 25% Cap
Are you allowed to sell and move to a smaller property without paying early repayment charges? i
Is there an admin fee when the loan is repaid? i £125.00
Early repayment charge (if you repay in year 6 of the loan) 25% Cap
Early repayment charge (if you repay in year 12 of the loan) 25% Cap
Can you repay penalty free if one borrower dies or goes into care? i
Is there an admin fee when part of the loan is repaid? i £0.00
Max Partial repayments allowed in a year 10%
Portable
Adding or removing someone to your loan (England and Wales) £475.00
Adding or removing someone to your loan (Scotland) £475.00
Member of the equity release council
Minimum Cash Reserve £2,000.00
Number of payments allowed per annum (repayment flexibility) 12

Legal & General

Optional Payment Green (Variable ERC)

2 stars
Early repayment charge (if you repay in year 3 of the loan) 25% Cap
Are you allowed to sell and move to a smaller property without paying early repayment charges? i
Is there an admin fee when the loan is repaid? i £125.00
Early repayment charge (if you repay in year 6 of the loan) 25% Cap
Early repayment charge (if you repay in year 12 of the loan) 25% Cap
Can you repay penalty free if one borrower dies or goes into care? i
Is there an admin fee when part of the loan is repaid? i £0.00
Max Partial repayments allowed in a year 10%
Portable
Adding or removing someone to your loan (England and Wales) £475.00
Adding or removing someone to your loan (Scotland) £475.00
Member of the equity release council
Minimum Cash Reserve £2,000.00
Number of payments allowed per annum (repayment flexibility) 12

Legal & General

Flexible Graphite - £599 fee (Fixed ERC)

2 stars
Early repayment charge (if you repay in year 3 of the loan) 9%
Are you allowed to sell and move to a smaller property without paying early repayment charges? i
Is there an admin fee when the loan is repaid? i £125.00
Early repayment charge (if you repay in year 6 of the loan) 8%
Early repayment charge (if you repay in year 12 of the loan) 4%
Can you repay penalty free if one borrower dies or goes into care? i
Is there an admin fee when part of the loan is repaid? i £0.00
Max Partial repayments allowed in a year 10%
Portable
Adding or removing someone to your loan (England and Wales) £475.00
Adding or removing someone to your loan (Scotland) £475.00
Member of the equity release council
Minimum Cash Reserve £2,000.00
Number of payments allowed per annum (repayment flexibility) 12

Legal & General

Flexible Black (Fixed ERC)

2 stars
Early repayment charge (if you repay in year 3 of the loan) 9%
Are you allowed to sell and move to a smaller property without paying early repayment charges? i
Is there an admin fee when the loan is repaid? i £125.00
Early repayment charge (if you repay in year 6 of the loan) 8%
Early repayment charge (if you repay in year 12 of the loan) 4%
Can you repay penalty free if one borrower dies or goes into care? i
Is there an admin fee when part of the loan is repaid? i £0.00
Max Partial repayments allowed in a year 10%
Portable
Adding or removing someone to your loan (England and Wales) £475.00
Adding or removing someone to your loan (Scotland) £475.00
Member of the equity release council
Minimum Cash Reserve £2,000.00
Number of payments allowed per annum (repayment flexibility) 12

Legal & General

Premier Optional carbon (Fixed ERC)

2 stars
Early repayment charge (if you repay in year 3 of the loan) 9%
Are you allowed to sell and move to a smaller property without paying early repayment charges? i
Is there an admin fee when the loan is repaid? i £125.00
Early repayment charge (if you repay in year 6 of the loan) 8%
Early repayment charge (if you repay in year 12 of the loan) 4%
Can you repay penalty free if one borrower dies or goes into care? i
Is there an admin fee when part of the loan is repaid? i £0.00
Max Partial repayments allowed in a year 10%
Portable
Adding or removing someone to your loan (England and Wales) £475.00
Adding or removing someone to your loan (Scotland) £475.00
Member of the equity release council
Minimum Cash Reserve £2,000.00
Number of payments allowed per annum (repayment flexibility) 4

Legal & General

Optional Payment Pearl - £599 fee (Variable ERC)

2 stars
Early repayment charge (if you repay in year 3 of the loan) 25% Cap
Are you allowed to sell and move to a smaller property without paying early repayment charges? i
Is there an admin fee when the loan is repaid? i £125.00
Early repayment charge (if you repay in year 6 of the loan) 25% Cap
Early repayment charge (if you repay in year 12 of the loan) 25% Cap
Can you repay penalty free if one borrower dies or goes into care? i
Is there an admin fee when part of the loan is repaid? i £0.00
Max Partial repayments allowed in a year 10%
Portable
Adding or removing someone to your loan (England and Wales) £475.00
Adding or removing someone to your loan (Scotland) £475.00
Member of the equity release council
Minimum Cash Reserve £2,000.00
Number of payments allowed per annum (repayment flexibility) 12

Legal & General

Flexible Orange (Fixed ERC)

2 stars
Early repayment charge (if you repay in year 3 of the loan) 9%
Are you allowed to sell and move to a smaller property without paying early repayment charges? i
Is there an admin fee when the loan is repaid? i £125.00
Early repayment charge (if you repay in year 6 of the loan) 8%
Early repayment charge (if you repay in year 12 of the loan) 4%
Can you repay penalty free if one borrower dies or goes into care? i
Is there an admin fee when part of the loan is repaid? i £0.00
Max Partial repayments allowed in a year 10%
Portable
Adding or removing someone to your loan (England and Wales) £475.00
Adding or removing someone to your loan (Scotland) £475.00
Member of the equity release council
Minimum Cash Reserve £2,000.00
Number of payments allowed per annum (repayment flexibility) 12

Legal & General

Flexible Black (Variable ERC)

2 stars
Early repayment charge (if you repay in year 3 of the loan) 25% Cap
Are you allowed to sell and move to a smaller property without paying early repayment charges? i
Is there an admin fee when the loan is repaid? i £125.00
Early repayment charge (if you repay in year 6 of the loan) 25% Cap
Early repayment charge (if you repay in year 12 of the loan) 25% Cap
Can you repay penalty free if one borrower dies or goes into care? i
Is there an admin fee when part of the loan is repaid? i £0.00
Max Partial repayments allowed in a year 10%
Portable
Adding or removing someone to your loan (England and Wales) £475.00
Adding or removing someone to your loan (Scotland) £475.00
Member of the equity release council
Minimum Cash Reserve £2,000.00
Number of payments allowed per annum (repayment flexibility) 12

Legal & General

Flexible Graphite (Variable ERC)

2 stars
Early repayment charge (if you repay in year 3 of the loan) 25% Cap
Are you allowed to sell and move to a smaller property without paying early repayment charges? i
Is there an admin fee when the loan is repaid? i £125.00
Early repayment charge (if you repay in year 6 of the loan) 25% Cap
Early repayment charge (if you repay in year 12 of the loan) 25% Cap
Can you repay penalty free if one borrower dies or goes into care? i
Is there an admin fee when part of the loan is repaid? i £0.00
Max Partial repayments allowed in a year 10%
Portable
Adding or removing someone to your loan (England and Wales) £475.00
Adding or removing someone to your loan (Scotland) £475.00
Member of the equity release council
Minimum Cash Reserve £2,000.00
Number of payments allowed per annum (repayment flexibility) 12

Legal & General

Optional Payment Yellow - £599 fee (Variable ERC)

2 stars
Early repayment charge (if you repay in year 3 of the loan) 25% Cap
Are you allowed to sell and move to a smaller property without paying early repayment charges? i
Is there an admin fee when the loan is repaid? i £125.00
Early repayment charge (if you repay in year 6 of the loan) 25% Cap
Early repayment charge (if you repay in year 12 of the loan) 25% Cap
Can you repay penalty free if one borrower dies or goes into care? i
Is there an admin fee when part of the loan is repaid? i £0.00
Max Partial repayments allowed in a year 10%
Portable
Adding or removing someone to your loan (England and Wales) £475.00
Adding or removing someone to your loan (Scotland) £475.00
Member of the equity release council
Minimum Cash Reserve £2,000.00
Number of payments allowed per annum (repayment flexibility) 12

Legal & General

Optional Payment Black - £599 fee (Fixed ERC)

2 stars
Early repayment charge (if you repay in year 3 of the loan) 9%
Are you allowed to sell and move to a smaller property without paying early repayment charges? i
Is there an admin fee when the loan is repaid? i £125.00
Early repayment charge (if you repay in year 6 of the loan) 8%
Early repayment charge (if you repay in year 12 of the loan) 4%
Can you repay penalty free if one borrower dies or goes into care? i
Is there an admin fee when part of the loan is repaid? i £0.00
Max Partial repayments allowed in a year 10%
Portable
Adding or removing someone to your loan (England and Wales) £475.00
Adding or removing someone to your loan (Scotland) £475.00
Member of the equity release council
Minimum Cash Reserve £2,000.00
Number of payments allowed per annum (repayment flexibility) 12

Legal & General

Optional Payment Yellow (Fixed ERC)

2 stars
Early repayment charge (if you repay in year 3 of the loan) 9%
Are you allowed to sell and move to a smaller property without paying early repayment charges? i
Is there an admin fee when the loan is repaid? i £125.00
Early repayment charge (if you repay in year 6 of the loan) 8%
Early repayment charge (if you repay in year 12 of the loan) 4%
Can you repay penalty free if one borrower dies or goes into care? i
Is there an admin fee when part of the loan is repaid? i £0.00
Max Partial repayments allowed in a year 10%
Portable
Adding or removing someone to your loan (England and Wales) £475.00
Adding or removing someone to your loan (Scotland) £475.00
Member of the equity release council
Minimum Cash Reserve £2,000.00
Number of payments allowed per annum (repayment flexibility) 12

Legal & General

Optional Payment Green - £599 fee (Fixed ERC)

2 stars
Early repayment charge (if you repay in year 3 of the loan) 9%
Are you allowed to sell and move to a smaller property without paying early repayment charges? i
Is there an admin fee when the loan is repaid? i £125.00
Early repayment charge (if you repay in year 6 of the loan) 8%
Early repayment charge (if you repay in year 12 of the loan) 4%
Can you repay penalty free if one borrower dies or goes into care? i
Is there an admin fee when part of the loan is repaid? i £0.00
Max Partial repayments allowed in a year 10%
Portable
Adding or removing someone to your loan (England and Wales) £475.00
Adding or removing someone to your loan (Scotland) £475.00
Member of the equity release council
Minimum Cash Reserve £2,000.00
Number of payments allowed per annum (repayment flexibility) 12

Legal & General

Flexible Graphite - £599 fee (Variable ERC)

2 stars
Early repayment charge (if you repay in year 3 of the loan) 25% Cap
Are you allowed to sell and move to a smaller property without paying early repayment charges? i
Is there an admin fee when the loan is repaid? i £125.00
Early repayment charge (if you repay in year 6 of the loan) 25% Cap
Early repayment charge (if you repay in year 12 of the loan) 25% Cap
Can you repay penalty free if one borrower dies or goes into care? i
Is there an admin fee when part of the loan is repaid? i £0.00
Max Partial repayments allowed in a year 10%
Portable
Adding or removing someone to your loan (England and Wales) £475.00
Adding or removing someone to your loan (Scotland) £475.00
Member of the equity release council
Minimum Cash Reserve £2,000.00
Number of payments allowed per annum (repayment flexibility) 12

Legal & General

Optional Payment Graphite - £599 fee (Variable ERC)

2 stars
Early repayment charge (if you repay in year 3 of the loan) 25% Cap
Are you allowed to sell and move to a smaller property without paying early repayment charges? i
Is there an admin fee when the loan is repaid? i £125.00
Early repayment charge (if you repay in year 6 of the loan) 25% Cap
Early repayment charge (if you repay in year 12 of the loan) 25% Cap
Can you repay penalty free if one borrower dies or goes into care? i
Is there an admin fee when part of the loan is repaid? i £0.00
Max Partial repayments allowed in a year 10%
Portable
Adding or removing someone to your loan (England and Wales) £475.00
Adding or removing someone to your loan (Scotland) £475.00
Member of the equity release council
Minimum Cash Reserve £2,000.00
Number of payments allowed per annum (repayment flexibility) 12

Legal & General

Flexible Pearl (Fixed ERC)

2 stars
Early repayment charge (if you repay in year 3 of the loan) 9%
Are you allowed to sell and move to a smaller property without paying early repayment charges? i
Is there an admin fee when the loan is repaid? i £125.00
Early repayment charge (if you repay in year 6 of the loan) 8%
Early repayment charge (if you repay in year 12 of the loan) 4%
Can you repay penalty free if one borrower dies or goes into care? i
Is there an admin fee when part of the loan is repaid? i £0.00
Max Partial repayments allowed in a year 10%
Portable
Adding or removing someone to your loan (England and Wales) £475.00
Adding or removing someone to your loan (Scotland) £475.00
Member of the equity release council
Minimum Cash Reserve £2,000.00
Number of payments allowed per annum (repayment flexibility) 12

Legal & General

Optional Payment Orange (Variable ERC)

2 stars
Early repayment charge (if you repay in year 3 of the loan) 25% Cap
Are you allowed to sell and move to a smaller property without paying early repayment charges? i
Is there an admin fee when the loan is repaid? i £125.00
Early repayment charge (if you repay in year 6 of the loan) 25% Cap
Early repayment charge (if you repay in year 12 of the loan) 25% Cap
Can you repay penalty free if one borrower dies or goes into care? i
Is there an admin fee when part of the loan is repaid? i £0.00
Max Partial repayments allowed in a year 10%
Portable
Adding or removing someone to your loan (England and Wales) £475.00
Adding or removing someone to your loan (Scotland) £475.00
Member of the equity release council
Minimum Cash Reserve £2,000.00
Number of payments allowed per annum (repayment flexibility) 12

Legal & General

Optional Payment Graphite (Variable ERC)

2 stars
Early repayment charge (if you repay in year 3 of the loan) 25% Cap
Are you allowed to sell and move to a smaller property without paying early repayment charges? i
Is there an admin fee when the loan is repaid? i £125.00
Early repayment charge (if you repay in year 6 of the loan) 25% Cap
Early repayment charge (if you repay in year 12 of the loan) 25% Cap
Can you repay penalty free if one borrower dies or goes into care? i
Is there an admin fee when part of the loan is repaid? i £0.00
Max Partial repayments allowed in a year 10%
Portable
Adding or removing someone to your loan (England and Wales) £475.00
Adding or removing someone to your loan (Scotland) £475.00
Member of the equity release council
Minimum Cash Reserve £2,000.00
Number of payments allowed per annum (repayment flexibility) 12

Legal & General

Flexible Opal - £599 fee (Fixed ERC)

2 stars
Early repayment charge (if you repay in year 3 of the loan) 9%
Are you allowed to sell and move to a smaller property without paying early repayment charges? i
Is there an admin fee when the loan is repaid? i £125.00
Early repayment charge (if you repay in year 6 of the loan) 8%
Early repayment charge (if you repay in year 12 of the loan) 4%
Can you repay penalty free if one borrower dies or goes into care? i
Is there an admin fee when part of the loan is repaid? i £0.00
Max Partial repayments allowed in a year 10%
Portable
Adding or removing someone to your loan (England and Wales) £475.00
Adding or removing someone to your loan (Scotland) £475.00
Member of the equity release council
Minimum Cash Reserve £2,000.00
Number of payments allowed per annum (repayment flexibility) 12

Legal & General

Premier Optional Graphite (Variable ERC)

2 stars
Early repayment charge (if you repay in year 3 of the loan) 25% Cap
Are you allowed to sell and move to a smaller property without paying early repayment charges? i
Is there an admin fee when the loan is repaid? i £125.00
Early repayment charge (if you repay in year 6 of the loan) 25% Cap
Early repayment charge (if you repay in year 12 of the loan) 25% Cap
Can you repay penalty free if one borrower dies or goes into care? i
Is there an admin fee when part of the loan is repaid? i £0.00
Max Partial repayments allowed in a year 10%
Portable
Adding or removing someone to your loan (England and Wales) £475.00
Adding or removing someone to your loan (Scotland) £475.00
Member of the equity release council
Minimum Cash Reserve £2,000.00
Number of payments allowed per annum (repayment flexibility) 4

Legal & General

Optional Payment Graphite (Fixed ERC)

2 stars
Early repayment charge (if you repay in year 3 of the loan) 9%
Are you allowed to sell and move to a smaller property without paying early repayment charges? i
Is there an admin fee when the loan is repaid? i £125.00
Early repayment charge (if you repay in year 6 of the loan) 8%
Early repayment charge (if you repay in year 12 of the loan) 4%
Can you repay penalty free if one borrower dies or goes into care? i
Is there an admin fee when part of the loan is repaid? i £0.00
Max Partial repayments allowed in a year 10%
Portable
Adding or removing someone to your loan (England and Wales) £475.00
Adding or removing someone to your loan (Scotland) £475.00
Member of the equity release council
Minimum Cash Reserve £2,000.00
Number of payments allowed per annum (repayment flexibility) 12

Legal & General

Flexible Pearl - £599 fee (Variable ERC)

2 stars
Early repayment charge (if you repay in year 3 of the loan) 25% Cap
Are you allowed to sell and move to a smaller property without paying early repayment charges? i
Is there an admin fee when the loan is repaid? i £125.00
Early repayment charge (if you repay in year 6 of the loan) 25% Cap
Early repayment charge (if you repay in year 12 of the loan) 25% Cap
Can you repay penalty free if one borrower dies or goes into care? i
Is there an admin fee when part of the loan is repaid? i £0.00
Max Partial repayments allowed in a year 10%
Portable
Adding or removing someone to your loan (England and Wales) £475.00
Adding or removing someone to your loan (Scotland) £475.00
Member of the equity release council
Minimum Cash Reserve £2,000.00
Number of payments allowed per annum (repayment flexibility) 12

Legal & General

Flexible Yellow (Fixed ERC)

2 stars
Early repayment charge (if you repay in year 3 of the loan) 9%
Are you allowed to sell and move to a smaller property without paying early repayment charges? i
Is there an admin fee when the loan is repaid? i £125.00
Early repayment charge (if you repay in year 6 of the loan) 8%
Early repayment charge (if you repay in year 12 of the loan) 4%
Can you repay penalty free if one borrower dies or goes into care? i
Is there an admin fee when part of the loan is repaid? i £0.00
Max Partial repayments allowed in a year 10%
Portable
Adding or removing someone to your loan (England and Wales) £475.00
Adding or removing someone to your loan (Scotland) £475.00
Member of the equity release council
Minimum Cash Reserve £2,000.00
Number of payments allowed per annum (repayment flexibility) 12

Legal & General

Optional Payment Pink - £599 fee (Fixed ERC)

2 stars
Early repayment charge (if you repay in year 3 of the loan) 9%
Are you allowed to sell and move to a smaller property without paying early repayment charges? i
Is there an admin fee when the loan is repaid? i £125.00
Early repayment charge (if you repay in year 6 of the loan) 8%
Early repayment charge (if you repay in year 12 of the loan) 4%
Can you repay penalty free if one borrower dies or goes into care? i
Is there an admin fee when part of the loan is repaid? i £0.00
Max Partial repayments allowed in a year 10%
Portable
Adding or removing someone to your loan (England and Wales) £475.00
Adding or removing someone to your loan (Scotland) £475.00
Member of the equity release council
Minimum Cash Reserve £2,000.00
Number of payments allowed per annum (repayment flexibility) 12

Legal & General

Optional Payment Opal (Variable ERC)

2 stars
Early repayment charge (if you repay in year 3 of the loan) 25% Cap
Are you allowed to sell and move to a smaller property without paying early repayment charges? i
Is there an admin fee when the loan is repaid? i £125.00
Early repayment charge (if you repay in year 6 of the loan) 25% Cap
Early repayment charge (if you repay in year 12 of the loan) 25% Cap
Can you repay penalty free if one borrower dies or goes into care? i
Is there an admin fee when part of the loan is repaid? i £0.00
Max Partial repayments allowed in a year 10%
Portable
Adding or removing someone to your loan (England and Wales) £475.00
Adding or removing someone to your loan (Scotland) £475.00
Member of the equity release council
Minimum Cash Reserve £2,000.00
Number of payments allowed per annum (repayment flexibility) 12

Legal & General

Flexible Black - £599 fee (Fixed ERC)

2 stars
Early repayment charge (if you repay in year 3 of the loan) 9%
Are you allowed to sell and move to a smaller property without paying early repayment charges? i
Is there an admin fee when the loan is repaid? i £125.00
Early repayment charge (if you repay in year 6 of the loan) 8%
Early repayment charge (if you repay in year 12 of the loan) 4%
Can you repay penalty free if one borrower dies or goes into care? i
Is there an admin fee when part of the loan is repaid? i £0.00
Max Partial repayments allowed in a year 10%
Portable
Adding or removing someone to your loan (England and Wales) £475.00
Adding or removing someone to your loan (Scotland) £475.00
Member of the equity release council
Minimum Cash Reserve £2,000.00
Number of payments allowed per annum (repayment flexibility) 12

Legal & General

Flexible Opal (Fixed ERC)

2 stars
Early repayment charge (if you repay in year 3 of the loan) 9%
Are you allowed to sell and move to a smaller property without paying early repayment charges? i
Is there an admin fee when the loan is repaid? i £125.00
Early repayment charge (if you repay in year 6 of the loan) 8%
Early repayment charge (if you repay in year 12 of the loan) 4%
Can you repay penalty free if one borrower dies or goes into care? i
Is there an admin fee when part of the loan is repaid? i £0.00
Max Partial repayments allowed in a year 10%
Portable
Adding or removing someone to your loan (England and Wales) £475.00
Adding or removing someone to your loan (Scotland) £475.00
Member of the equity release council
Minimum Cash Reserve £2,000.00
Number of payments allowed per annum (repayment flexibility) 12

Legal & General

Optional Payment Yellow - £599 fee (Fixed ERC)

2 stars
Early repayment charge (if you repay in year 3 of the loan) 9%
Are you allowed to sell and move to a smaller property without paying early repayment charges? i
Is there an admin fee when the loan is repaid? i £125.00
Early repayment charge (if you repay in year 6 of the loan) 8%
Early repayment charge (if you repay in year 12 of the loan) 4%
Can you repay penalty free if one borrower dies or goes into care? i
Is there an admin fee when part of the loan is repaid? i £0.00
Max Partial repayments allowed in a year 10%
Portable
Adding or removing someone to your loan (England and Wales) £475.00
Adding or removing someone to your loan (Scotland) £475.00
Member of the equity release council
Minimum Cash Reserve £2,000.00
Number of payments allowed per annum (repayment flexibility) 12

Legal & General

Optional Payment Opal - £599 fee (Variable ERC)

2 stars
Early repayment charge (if you repay in year 3 of the loan) 25% Cap
Are you allowed to sell and move to a smaller property without paying early repayment charges? i
Is there an admin fee when the loan is repaid? i £125.00
Early repayment charge (if you repay in year 6 of the loan) 25% Cap
Early repayment charge (if you repay in year 12 of the loan) 25% Cap
Can you repay penalty free if one borrower dies or goes into care? i
Is there an admin fee when part of the loan is repaid? i £0.00
Max Partial repayments allowed in a year 10%
Portable
Adding or removing someone to your loan (England and Wales) £475.00
Adding or removing someone to your loan (Scotland) £475.00
Member of the equity release council
Minimum Cash Reserve £2,000.00
Number of payments allowed per annum (repayment flexibility) 12

Legal & General

Optional Payment Green - £599 fee (Variable ERC)

2 stars
Early repayment charge (if you repay in year 3 of the loan) 25% Cap
Are you allowed to sell and move to a smaller property without paying early repayment charges? i
Is there an admin fee when the loan is repaid? i £125.00
Early repayment charge (if you repay in year 6 of the loan) 25% Cap
Early repayment charge (if you repay in year 12 of the loan) 25% Cap
Can you repay penalty free if one borrower dies or goes into care? i
Is there an admin fee when part of the loan is repaid? i £0.00
Max Partial repayments allowed in a year 10%
Portable
Adding or removing someone to your loan (England and Wales) £475.00
Adding or removing someone to your loan (Scotland) £475.00
Member of the equity release council
Minimum Cash Reserve £2,000.00
Number of payments allowed per annum (repayment flexibility) 12

Legal & General

Flexible Pearl - £599 fee (Fixed ERC)

2 stars
Early repayment charge (if you repay in year 3 of the loan) 9%
Are you allowed to sell and move to a smaller property without paying early repayment charges? i
Is there an admin fee when the loan is repaid? i £125.00
Early repayment charge (if you repay in year 6 of the loan) 8%
Early repayment charge (if you repay in year 12 of the loan) 4%
Can you repay penalty free if one borrower dies or goes into care? i
Is there an admin fee when part of the loan is repaid? i £0.00
Max Partial repayments allowed in a year 10%
Portable
Adding or removing someone to your loan (England and Wales) £475.00
Adding or removing someone to your loan (Scotland) £475.00
Member of the equity release council
Minimum Cash Reserve £2,000.00
Number of payments allowed per annum (repayment flexibility) 12

Investing and pensions

Ready-made Stocks and Shares ISAs

Legal & General

Legal & General portfolio

4 stars
Cost (Year 1) i £280.00
Account closure fee £0.00
Charge for transferring investments to another platform i £0.00
Charge for selling holdings if not enough money in account for charges £0.00
Completing paper applications
Cash withdrawal by BACs £0.00
Same day payment/payment by CHAPs £0.00
Early account closure fee £0.00
Cost of receiving paper statements for a year £0.00
Charge for transferring cash to another platform i £0.00
Is there a mobile app?

Life insurance

Over 50s life insurance

Legal & General

Over 50s Life Insurance Fixed Plan

3 stars
Age when premiums stop i 90
Cover for accidental death in waiting period i 100%
How long after policy is started can full benefits be claimed? i 12 months
Cover type (level or increasing) i Level
Signing up incentive i £125 gift card
Minimum age i 50
Maximum age i 80
Cover for non-accidental death in waiting period (% of premiums paid) i 100%
Payout for accidental death outside waiting period i 100%
How much for terminal illness benefit? i £0.00
How much will be paid for serious illness? i £0.00
Can you reduce monthly payments? i Yes (one per year)
If a payment is missed, how long until the policy is cancelled? i 60 days
Does the policy offer the customer a proportionate amount of money back if they choose to cancel after paying 50% or more of the scheduled monthly payments? i
Rate used to calculate increasing cover i
Discount offered with a funeral provider? i
Funeral benefit option provider i Dignity