Air is the industry-leading later life lending platform.

Enabled by technology, knowledge and people, it provides brokers with best-in-class digital sourcing tools, personal development services, incentives and rewards programmes. It gives you everything you need to help expand and professionalise your business.

Air’s innovative technology is designed to provide the best, single end-to-end experience to help you better connect, learn, monitor and manage your later life lending activities.

Through Air’s proven tools, training, support and approach, you have everything you and your firm need to be secure, knowledgeable and compliant, giving you the confidence you need to grow your later life lending business.

Plus, its recently launched Air Academy Events, Symposium, Summit and Masterclasses, support advisers navigating the road to better customer outcomes.

Securing the best possible later life for your clients is what motivates you, especially during times of change and volatility. Through its unique and market-leading approach to recognising you for your loyalty, performance and success, Air will ensure that the more you grow, the more you earn.

Aviva exists to be with people when it really matters.

It helps them navigate an uncertain world and make the most of their lives through its range of flexible products and supporting services.

Aviva has been taking care of people for over 300 years. As one of the UK's most established and trusted equity release lenders, with over 25 years' unbroken experience, it has helped over 284,000 people release more than £11 billion.

It understands what’s important to advisers and their customers and uses its expertise to give both the best possible outcomes.

It takes a partnership. It takes Aviva.

Family Building Society take a common-sense approach to underwriting, with no credit scoring.

Many cases they see are from high street customers in their mid to late 60’s who have come to the end of the line with their lender but have good income in later life.

They can offer huge flexibility by lending into retirement with higher maximum ages than most lenders, and take into account various sources of income, such as pension pots.

Their Business Development Managers work closely with their underwriters in order to provide individual lending decisions – finding mortgage solutions for clients regardless of their circumstances.

Legal & General Home Finance is leading innovation across the later life market to help people enjoy a more colourful retirement. Since 2015, it has lent over £6.38 billion and helped over 113,000 customers get a later life mortgage, by developing customer-led solutions that offer flexibility and choice.

Legal & General Home Finance is part of the Legal & General Group. Established in 1836, Legal & General is one of the UK's leading financial services groups and a major global investor, with almost £1.2 trillion in total assets under management (31 December 2022).

LiveMore is founded on the belief that thousands of people in the UK – whether they’re 50 or in their 90s – can afford a mortgage. But when it comes to lending to them, the industry doesn’t provide enough options to help them do the things they love in life.

LiveMore looks beyond age to assess financial circumstances, such as credit history, income, pensions, rental income, self-employed income, savings and investments, and many more.

It believes people are never too old to get a mortgage that’s right for them. LiveMore focuses on helping customers with mortgages specially designed for them, and its broad offering includes standard capital and interest, standard interest-only, retirement interest-only (RIO) and lifetime (equity release) mortgages.

It offers customers a wide choice of mortgage options to match their circumstances allowing them to fund debt consolidation, housing projects, gifting, hobbies, travelling and so much more. It will consider a broad range of properties such as non-standard construction, close or adjacent to commercial, large acreage, flat roofs, listed properties, and spray foam (subject to conditions).

LiveMore’s dedicated team is on hand to discuss individual case requirements and help you through the application process.

LV= has been providing financial stability to customers since 1843 through its range of investment and retirement income solutions.

As a leading equity release provider since 2002, LV= are committed to helping clients live confidently in retirement.

Their lifetime mortgages have been designed with clients’ needs in mind to help them achieve their financial goals by giving them control and flexibility over their retirement income.

Their products are industry recognised and highly rated:

• Defaqto 5-star rated Lifetime Mortgage Drawdown Lifestyle 2023
• Defaqto 4-star rated Lifetime Mortgage Lump Sum Lifestyle 2023
• Defaqto 5-star rated Lifetime Mortgage Lump Sum+ and Lifetime Mortgage Drawdown+ 2023
• Moneyfacts 5-star rated Lifetime Mortgage Drawdown+ 2022
• Moneyfacts 4-star rated Lifetime Mortgage Lump Sum+ 2022

LV= have a dedicated team of experts in the equity release market with a wealth of knowledge to support you. Contact our team today to learn more.

more2life has been leading the way in modern retirement lending since launching in 2008 and is one of the UK’s biggest later life lenders.

By designing flexible lifetime mortgages to meet the changing needs of today's over-55s, it has cemented its name as an innovator in the market, with modern, customer-centric later life lending features built in as standard across its product range.

more2life is a lender focused on helping you deliver extraordinary financial outcomes for your clients, working solely with qualified advisers to offer flexible loans from five per cent to 55 per cent of your client’s property value and loans from £10,000 up to £1.85 million.

Pure Retirement is a multiple award-winning specialist lifetime mortgage lender based in Leeds, with a workforce in excess of 200 people.

It was set up with the intention of making later life lending a viable retirement solution to as many people as possible. The company operates on key values of honesty, responsibility and simplicity to deliver market-leading flexible products, technical innovation and gold-standard customer service.

The lender works with trade body, The Equity Release Council, to help develop best practices to improve and grow the market for new and existing operators and customers alike.

Founded in 2017, Responsible Lending is an innovative lender and boasts a team of talented and experienced professionals.

Its priority has always been to streamline the adviser and customer journey. It aims to be the fastest and easiest lender to deal with, so you can be confident that your clients are in safe hands.

In April 2023, Responsible Lending launched into the wider lifetime mortgage market as an exclusive provider of the Royal London Equity Release product range.

It is confident it will provide consistently outstanding service and flexible underwriting criteria to customers across the UK.

Scottish Widows Bank is Lloyds Banking Group's offset mortgage provider, but it also focuses on lending to professionals and the later life market, offering its products exclusively through the intermediary market.

Over the last 12 months, the bank has taken its later life proposition further with initiatives designed to enhance its products and service.

This has included a separate range of products for large loans and later life lending along with enhancements to its interest-only policy.

Launched in 2019, its Premier Mortgage Service is built around the established expertise of its dedicated relationship managers. On hand to help you with your large loan clients, the team offers tailored, expert support, whenever you need it, however complex the needs of your clients.