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Hodge Lifetime


Hodge Lifetime

Hodge Lifetime is a business dedicated to the later life market since 1965. Since that time, they’ve nurtured a great depth of experience and developed a very strong and solid reputation for looking after their customers while being at the forefront of innovation. This means you can trust them to do right by you and your clients.

Why Hodge Lifetime?

Hodge Lifetime are specialists in lending to borrowers over 55 and offer one of the broadest range of lending products in the market:

  • 55+ Mortgage/55+ RIO – interest only residential mortgages for clients over 55 (no equity release/lifetime mortgage qualification required), the 55+ offers a term to age 95 and the RIO offer no end date with capital being repaid on the sale of property at death or entry into long term care.
  • Retirement Mortgage – an interest only lifetime mortgage based on affordability with the option to roll up at age 80
  • Lump Sum Lifetime Mortgages – with a choice of competitive rate, fixed or variable ERC’s and enhanced LTV’s
  • Flexible Lifetime Mortgages – offering downsizing protection so if your client wants to repay after 5 years no ERC’s as well as a flexible withdrawal facility 

*All products offer the ability to overpay by up to 10% per annum from day 1

Core to Hodge Lifetime’s ethos is to ensure products are innovative, flexible and competitive whilst offering a personal approach to customer service.

Intermediary only products

They offer their products solely via intermediaries with:

  • Experienced customer service and broker support team with no call centre.
  • Experienced underwriters
  • Business Development Managers to help you do business with us
  • Expertise in dealing with borrowers’ complex financial arrangements from age 55 and when moving into retirement.


Their website offers information and downloads to help with information when advising your customers. This includes various calculators to help illustrate the flexible features of the products, and also an affordability calculator to gauge indicative loan amounts for the 55+/55+ RIO and Retirement Mortgages:

Contact us

T: 0800 731 4076
E: info@hodgelifetime.co.uk
A: Hodge Lifetime, One Central Square, Cardiff, CF10 1FS