A debt-free equity release retirement income solution for retirees aged 70 and above. No mortgage, no debt, no interest, just certainty and regular retirement income to help supplement your day to day living in retirement.

We can conduct a Home Eligibility Assessment to review whether your home passes the pre-qualification review. This does not mean that you are automatically approved, nor does it mean you’re rejected. We recommend completing the pre-qualification check even if you feel your house may not qualify, as the pre-qualification parameters may change in the future and we would be able to notify you.

To qualify for Lifetime Home, homeowners must meet the following criteria:

Minimum Age: You (and your partner) must be over the age of 70.

Owner-Occupier: The property must be your primary residence and you are registered on the title.

Trusts: A home within a Trust is eligible.

A pre-qualification check includes assessing the home’s:

Location: Unfortunately, not all areas fall within our pre-qualified criteria. While we do go beyond the main centres, we cannot, at this stage, cover all areas.

Category: Currently we only accept standalone residential dwellings. This means apartments, townhouses, and flats are not pre-qualified.

Title: Currently we only accept free-hold titles.

Lease: Currently we do not accept leaseholds.

Mortgage-Free: The property must be free of any mortgages or encumbrances.

Insurance: The property must be adequately insured and remain so for the duration of the Agreement.

Currently not eligible:

Leasehold, Unit Title estates (including Apartments and Town houses), and properties that are not your primary residence, for example a rental, investment property or Bach.

*Regardless of the criteria, Lifetime may accept or refuse any applications in its sole discretion. Please note a pre-qualification check can take up to two working days.