Its higher LTV ratios across this range have two options.

Flexi Choice (for properties up to £2m) and Flexi-Choice Premier (for properties over £2m). Highlights of the range include:    

• A free energy performance certificate on completion to help customers better understand how to improve their energy efficiency   
• Loans from £10,000 to up to £960,000 in England and £480,000 in Scotland and Wales 
• Loans range from £10,000 to £960,000 (or £480,000 in Scotland and Wales) on FlexiChoice  
• Fixed early repayment charges as well as a three-year compassionate clause  
• The ability to make ad-hoc repayments of up to 10% of the total cash advanced in each 12-month period  

The firm’s highest 48% LTV is offered on single life cases for customers aged 80-plus.

More2life managing director Ben Waugh says: “As the later life lending sector evolves, we are continually expanding our support for advisers by making our market-leading range of low-rate products more readily available to those who need them most, no matter their stage in life or entry point into the later life mortgage journey

“Not only are the rates once again among the lowest in the market for this product type, but Flexi Choice also travels with our Core 4 features — fixed energy performance certificates, partial repayments from day one, downsizing protection and early repayment charge exemptions for three years following death or entry into long-term care alongside a free energy performance certificate, making it a compelling choice for suitable customers.”