More 2 Life

More 2 Life
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Equity Release

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Capital Choice Ultra Lite 1 Lump Sum

5 stars
Early repayment charge (if you repay in year 3 of the loan) 5%
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) 3%
Early repayment charge (if you repay in year 12 of the loan) 0%
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) £150.00
Adding or removing someone to your loan (Scotland) £150.00
Member of the equity release council
Minimum Cash Reserve
Number of payments allowed per annum (repayment flexibility) Unlimited

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Capital Choice Super Lite Drawdown2

5 stars
Early repayment charge (if you repay in year 3 of the loan) 5%
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) 3%
Early repayment charge (if you repay in year 12 of the loan) 0%
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) £150.00
Adding or removing someone to your loan (Scotland) £150.00
Member of the equity release council
Minimum Cash Reserve £2,000.00
Number of payments allowed per annum (repayment flexibility) Unlimited

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Capital Choice Super Lite Lump Sum3

5 stars
Early repayment charge (if you repay in year 3 of the loan) 5%
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) 3%
Early repayment charge (if you repay in year 12 of the loan) 0%
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) £150.00
Adding or removing someone to your loan (Scotland) £150.00
Member of the equity release council
Minimum Cash Reserve
Number of payments allowed per annum (repayment flexibility) Unlimited

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Capital Choice Super Lite Drawdown3

5 stars
Early repayment charge (if you repay in year 3 of the loan) 5%
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) 3%
Early repayment charge (if you repay in year 12 of the loan) 0%
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) £150.00
Adding or removing someone to your loan (Scotland) £150.00
Member of the equity release council
Minimum Cash Reserve £2,000.00
Number of payments allowed per annum (repayment flexibility) Unlimited

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Capital Choice Super Lite Lump Sum4

5 stars
Early repayment charge (if you repay in year 3 of the loan) 5%
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) 3%
Early repayment charge (if you repay in year 12 of the loan) 0%
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) £150.00
Adding or removing someone to your loan (Scotland) £150.00
Member of the equity release council
Minimum Cash Reserve
Number of payments allowed per annum (repayment flexibility) Unlimited

More 2 Life

Capital Choice Super Lite Drawdown4

5 stars
Early repayment charge (if you repay in year 3 of the loan) 5%
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) 3%
Early repayment charge (if you repay in year 12 of the loan) 0%
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) £150.00
Adding or removing someone to your loan (Scotland) £150.00
Member of the equity release council
Minimum Cash Reserve £2,000.00
Number of payments allowed per annum (repayment flexibility) Unlimited

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Capital Choice Ultra Lite 2 Drawdown

5 stars
Early repayment charge (if you repay in year 3 of the loan) 5%
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) 3%
Early repayment charge (if you repay in year 12 of the loan) 0%
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) £150.00
Adding or removing someone to your loan (Scotland) £150.00
Member of the equity release council
Minimum Cash Reserve £2,000.00
Number of payments allowed per annum (repayment flexibility) Unlimited

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Capital Choice Ultra Lite 3 Drawdown

5 stars
Early repayment charge (if you repay in year 3 of the loan) 5%
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) 3%
Early repayment charge (if you repay in year 12 of the loan) 0%
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) £150.00
Adding or removing someone to your loan (Scotland) £150.00
Member of the equity release council
Minimum Cash Reserve £2,000.00
Number of payments allowed per annum (repayment flexibility) Unlimited

More 2 Life

Capital Choice Ultra Lite 1 Drawdown

5 stars
Early repayment charge (if you repay in year 3 of the loan) 5%
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) 3%
Early repayment charge (if you repay in year 12 of the loan) 0%
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) £150.00
Adding or removing someone to your loan (Scotland) £150.00
Member of the equity release council
Minimum Cash Reserve £2,000.00
Number of payments allowed per annum (repayment flexibility) Unlimited

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Capital Choice Ultra Lite 2 Lump Sum

5 stars
Early repayment charge (if you repay in year 3 of the loan) 5%
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) 3%
Early repayment charge (if you repay in year 12 of the loan) 0%
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) £150.00
Adding or removing someone to your loan (Scotland) £150.00
Member of the equity release council
Minimum Cash Reserve
Number of payments allowed per annum (repayment flexibility) Unlimited

More 2 Life

Capital Choice Ultra Lite 3 Lump Sum

5 stars
Early repayment charge (if you repay in year 3 of the loan) 5%
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) 3%
Early repayment charge (if you repay in year 12 of the loan) 0%
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) £150.00
Adding or removing someone to your loan (Scotland) £150.00
Member of the equity release council
Minimum Cash Reserve
Number of payments allowed per annum (repayment flexibility) Unlimited

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Apex Plus

4 stars
Early repayment charge (if you repay in year 3 of the loan) 6%
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) 0%
Early repayment charge (if you repay in year 12 of the loan) 0%
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) £150.00
Adding or removing someone to your loan (Scotland) £150.00
Member of the equity release council
Minimum Cash Reserve
Number of payments allowed per annum (repayment flexibility) Unlimited

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Flexi Choice Premier Max

4 stars
Early repayment charge (if you repay in year 3 of the loan) 8%
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) 5%
Early repayment charge (if you repay in year 12 of the loan) 1%
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) £150.00
Adding or removing someone to your loan (Scotland) £150.00
Member of the equity release council
Minimum Cash Reserve
Number of payments allowed per annum (repayment flexibility) 12

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Capital Choice

4 stars
Early repayment charge (if you repay in year 3 of the loan) 5%
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) 3%
Early repayment charge (if you repay in year 12 of the loan) 0%
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) £150.00
Adding or removing someone to your loan (Scotland) £150.00
Member of the equity release council
Minimum Cash Reserve
Number of payments allowed per annum (repayment flexibility) Unlimited

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Capital Choice Drawdown

4 stars
Early repayment charge (if you repay in year 3 of the loan) 5%
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) 3%
Early repayment charge (if you repay in year 12 of the loan) 0%
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) £150.00
Adding or removing someone to your loan (Scotland) £150.00
Member of the equity release council
Minimum Cash Reserve £2,000.00
Number of payments allowed per annum (repayment flexibility) Unlimited

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Capital Choice Lite Lump Sum

4 stars
Early repayment charge (if you repay in year 3 of the loan) 5%
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) 3%
Early repayment charge (if you repay in year 12 of the loan) 0%
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) £150.00
Adding or removing someone to your loan (Scotland) £150.00
Member of the equity release council
Minimum Cash Reserve
Number of payments allowed per annum (repayment flexibility) Unlimited

More 2 Life

Capital Choice Lite Drawdown

4 stars
Early repayment charge (if you repay in year 3 of the loan) 5%
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) 3%
Early repayment charge (if you repay in year 12 of the loan) 0%
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) £150.00
Adding or removing someone to your loan (Scotland) £150.00
Member of the equity release council
Minimum Cash Reserve £2,000.00
Number of payments allowed per annum (repayment flexibility) Unlimited

More 2 Life

Capital Choice Super Lite Lump Sum1

4 stars
Early repayment charge (if you repay in year 3 of the loan) 5%
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) 3%
Early repayment charge (if you repay in year 12 of the loan) 0%
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) £150.00
Adding or removing someone to your loan (Scotland) £150.00
Member of the equity release council
Minimum Cash Reserve
Number of payments allowed per annum (repayment flexibility) Unlimited

More 2 Life

Capital Choice Super Lite Drawdown1

4 stars
Early repayment charge (if you repay in year 3 of the loan) 5%
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) 3%
Early repayment charge (if you repay in year 12 of the loan) 0%
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) £150.00
Adding or removing someone to your loan (Scotland) £150.00
Member of the equity release council
Minimum Cash Reserve £2,000.00
Number of payments allowed per annum (repayment flexibility) Unlimited

More 2 Life

Capital Choice Super Lite Lump Sum2

4 stars
Early repayment charge (if you repay in year 3 of the loan) 5%
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) 3%
Early repayment charge (if you repay in year 12 of the loan) 0%
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) £150.00
Adding or removing someone to your loan (Scotland) £150.00
Member of the equity release council
Minimum Cash Reserve
Number of payments allowed per annum (repayment flexibility) Unlimited

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Maximum Choice Plus Lump Sum

4 stars
Early repayment charge (if you repay in year 3 of the loan) 6%
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 £0.00
Early repayment charge (if you repay in year 6 of the loan) conditional on gilts
Early repayment charge (if you repay in year 12 of the loan) 0%
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 12%
Portable
Adding or removing someone to your loan (England and Wales) £150.00
Adding or removing someone to your loan (Scotland) £150.00
Member of the equity release council
Minimum Cash Reserve
Number of payments allowed per annum (repayment flexibility) Unlimited

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Flexi Choice Super Lite

4 stars
Early repayment charge (if you repay in year 3 of the loan) 8%
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) 5%
Early repayment charge (if you repay in year 12 of the loan) 1%
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) £150.00
Adding or removing someone to your loan (Scotland) £150.00
Member of the equity release council
Minimum Cash Reserve £0.00
Number of payments allowed per annum (repayment flexibility) 12

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Flexi Choice Super Lite 2

4 stars
Early repayment charge (if you repay in year 3 of the loan) 8%
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) 5%
Early repayment charge (if you repay in year 12 of the loan) 1%
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) £150.00
Adding or removing someone to your loan (Scotland) £150.00
Member of the equity release council
Minimum Cash Reserve £0.00
Number of payments allowed per annum (repayment flexibility) 12

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Flexi Choice Lite

4 stars
Early repayment charge (if you repay in year 3 of the loan) 8%
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) 5%
Early repayment charge (if you repay in year 12 of the loan) 1%
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) £150.00
Adding or removing someone to your loan (Scotland) £150.00
Member of the equity release council
Minimum Cash Reserve £0.00
Number of payments allowed per annum (repayment flexibility) 12

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Flexi Choice Midi

4 stars
Early repayment charge (if you repay in year 3 of the loan) 8%
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) 5%
Early repayment charge (if you repay in year 12 of the loan) 1%
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) £150.00
Adding or removing someone to your loan (Scotland) £150.00
Member of the equity release council
Minimum Cash Reserve £0.00
Number of payments allowed per annum (repayment flexibility) 12

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Flexi Choice Extra

4 stars
Early repayment charge (if you repay in year 3 of the loan) 8%
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) 5%
Early repayment charge (if you repay in year 12 of the loan) 1%
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) £150.00
Adding or removing someone to your loan (Scotland) £150.00
Member of the equity release council
Minimum Cash Reserve £0.00
Number of payments allowed per annum (repayment flexibility) 12

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Flexi Choice Plus

4 stars
Early repayment charge (if you repay in year 3 of the loan) 8%
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) 5%
Early repayment charge (if you repay in year 12 of the loan) 1%
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) £150.00
Adding or removing someone to your loan (Scotland) £150.00
Member of the equity release council
Minimum Cash Reserve £0.00
Number of payments allowed per annum (repayment flexibility) 12

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Flexi Choice Max

4 stars
Early repayment charge (if you repay in year 3 of the loan) 8%
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) 5%
Early repayment charge (if you repay in year 12 of the loan) 1%
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) £150.00
Adding or removing someone to your loan (Scotland) £150.00
Member of the equity release council
Minimum Cash Reserve £0.00
Number of payments allowed per annum (repayment flexibility) 12

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Flexi Choice Premier Extra

4 stars
Early repayment charge (if you repay in year 3 of the loan) 8%
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) 5%
Early repayment charge (if you repay in year 12 of the loan) 1%
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) £150.00
Adding or removing someone to your loan (Scotland) £150.00
Member of the equity release council
Minimum Cash Reserve
Number of payments allowed per annum (repayment flexibility) 12

More 2 Life

Flexi Choice Premier Midi

4 stars
Early repayment charge (if you repay in year 3 of the loan) 8%
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) 5%
Early repayment charge (if you repay in year 12 of the loan) 1%
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) £150.00
Adding or removing someone to your loan (Scotland) £150.00
Member of the equity release council
Minimum Cash Reserve
Number of payments allowed per annum (repayment flexibility) 12