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Legal and General Home Finance


Legal & General Home Finance is leading innovation across the later life market to help people have a more colourful retirement.

Almost a quarter of equity release customers choose LGHF, making it one of the largest lifetime mortgage lenders in the UK. It has lent over £5bn in total, developing customer-led solutions that offer flexibility and choice. The business 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.

Key Features:

Key features of LGHF’s Lifetime Mortgages:

  • Easy digital application
  • No Negative Equity Guarantee
  • Compassionate Repayment Feature
  • Optional Inheritance Protection
  • Optional Partial Repayment
  • Drawdown facility
Legal & General’s Retirement Interest Only Mortgage (or RIO) is an interest-only mortgage with a fixed interest rate for life. If your client’s existing interest-only mortgage is coming to an end, they could use the RIO to pay the outstanding balance and stay in the home they love.

Some people even choose to borrow extra cash to buy a new home – or just do more of the things they love in retirement. It’s important to note that clients must make monthly interest payments – as a last resort, your client’s home may be repossessed if they do not keep up with payments.

Registration Process:

To start advising, register with LGHF using their Later Life Mortgages Portal. Once your registration request is submitted, you will see a message on screen confirming your request. LGHF will check your firm, or network, has the appropriate permissions and send an email to the compliance officer to confirm that you, as an advisor, are authorised and qualified to give advice on mortgages and/or equity release. Once authorisation is received, you will receive an email from their sales support team to confirm your details are live and you have access to the Later Life Mortgages Portal.

Register here

ER Contact details:

New business enquiries:
03330 048 444

Customer services:
03330 048 444

Sally Richards, Telephone Account Manager
0121 712 3821

Marie Catch, Head of Mortgage Broker Sales
07738 696121

Michelle Peskett, National Account Manager
07469 406847

Sara Freer, Key Account Manager
07387 253922

RIO Contact Details:

Pre-application queries:
03330 048 444

Key Account Manager – Sara Freer for product and general queries
07837 253 922

Get in touch with us today.

Need criteria support? Contact the experts on our Broker Support Team.