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If you have a client aged over 55 with an interest-only mortgage that they cannot repay, but can afford to continue with monthly payments, there are a range of solutions that could help them.
Some people choose to use their savings or downsize to repay the original mortgage. Some lenders will even extend the mortgage term. However, these options aren't possible or practical for everyone.
If your client wants to stay in the home they love, we have two key products that could be an option for them: the Retirement Interest Only Mortgage (RIO) and the Optional Payment Lifetime Mortgage (OPLM).
Download our factsheet for a more detailed breakdown
Talk to us. We’re committed to helping advisers understand the role that later life lending can play in helping clients achieve their financial objectives and a more colourful retirement.
If you have questions, get in touch with one of our experts.
This website is designed to give professional financial advisers information and tools that they can use to help control and develop their business and should not be relied upon by private investors or any other persons.