Freedom, Flexibility, and Peace of Mind in Later Life
 

What is an Interest-Only Lifetime Mortgage?

​

An interest-only lifetime mortgage allows you to borrow against your home while making optional regular payments towards the interest. This flexible solution can help preserve the value of your estate and give you more control over your finances in later life.

At Keyholder Mortgages, we specialise in guiding you through your options with genuine care and expertise. Whether you want to manage your repayments or simply enjoy financial freedom, we’re here to support you every step of the way.
 

Why Choose an Interest-Only Lifetime Mortgage?
 

• Flexible Payments: Choose to pay some, all, or none of the monthly interest, depending on what suits your needs. If circumstances change, you have the option to stop payments and let the interest roll up instead.

• Protect Your Inheritance: Making regular interest payments can help maintain more equity in your home, leaving a greater inheritance for your loved ones.

• Tailored Solutions: We work with top providers like Standard Life, More2Life, and Pure Retirement to offer competitive, discounted rates based on your payment preferences.
   

How We Help You
 

At Keyholder Mortgages, we do more than just find you a mortgage — we empower you with clear, personalised advice.

• Customised Interest Payment Projections: See how different payment levels affect your future equity.

• Detailed Analysis: Understand the impact of regular, occasional, or lump-sum payments.

• Visual Reports: Clear graphs and breakdowns showing how your choices can shape your financial legacy.

• Expert Guidance: As an FCA-authorised mortgage broker and proud member of the Equity Release Council, we are committed to providing trustworthy advice with your best interests at heart.

 

What Rates Can You Expect?
 

Interest-only lifetime mortgage rates are now more competitive than ever. Lenders often offer discounted rates based on how much of the monthly interest you choose to pay — with higher discounts available for covering a greater percentage of the interest.

Every case is different, so we encourage you to speak with one of our experts for a personalised quotation that fits your goals.
 

Ready to Explore Your Options?
 

Choosing a lifetime mortgage is a big decision, but you don’t have to make it alone. Our caring team will listen to your needs, answer all your questions, and help you find the right path — whether that’s helping a loved one with a gift, funding a dream holiday, or simply securing peace of mind for the future.

Check our Mortgage calculator below and we can check your current situation and lending options.

 

 

 

 

 

 

 

 

 

 

 

​

​

​

​

 

 

 

 

 

 

​

​

 

​​
​​​​​​​​

 

 

 

 

 

Get started today:

• Book a free consultation

• Use our free lifetime mortgage calculator above and submit an enquiry

• Request a personalised quote
   

Keyholder Mortgages — Independent, Caring, and Always on Your Side.