more2life equity release: what it offers
Equity release from more2life is offered through a range of named lifetime mortgage plans rather than a single product. more2life is a lender regulated by the Financial Conduct Authority. Its plans are built to Equity Release Council standards and are accessed through a qualified equity release adviser, who checks eligibility against published, plan-specific criteria.
Later Life Finance Guide is not affiliated with more2life and does not recommend any lender or provider. This page summarises publicly available information; products and criteria change, so check the current details with the provider or an FCA-regulated adviser.
What more2life equity release offers
A more2life lifetime mortgage covers a range of named plans rather than one flat product. Published plan names include Omni, Apex, Flexi (also called Flexi PTLM), Horizon and Maxi Zero.
The Tailored Interest Reward plan allows voluntary monthly repayments, which can reduce the interest that would otherwise build up on the loan over time.
For how equity release works overall, including how a lifetime mortgage compares with other later-life options, see our pillar guide.
Published eligibility criteria for a more2life lifetime mortgage
more2life's general minimum age for a lifetime mortgage is 55, but the age bands vary by plan, and at least one plan is published for applicants aged 90 to 95. The band that applies depends on which plan is being considered.
Because criteria vary by plan, more2life publishes a lending criteria tool that advisers use to check whether a particular customer and property meet the requirements for each product.
Features and protections on more2life plans
more2life's lifetime mortgages are built to Equity Release Council standards, which include a no negative equity guarantee: the amount owed should not exceed what the home sells for when the plan ends, provided the terms of the plan are met. See our explanation of the no negative equity guarantee for how this works across the market.
more2life is listed in the Equity Release Council member directory.
Customers can also apply to move home and port an existing plan to a new property, subject to it meeting more2life's lending criteria at the time. On at least some plans, they can apply to access further funds later through a drawdown or further advance facility.
The cost side of these features
Where nothing is repaid, interest is added to the loan and then charged on itself, so the amount owed grows over time. Taking further funds adds to the debt and to the interest charged on it. That reduces what is left in the estate, and money released can affect means-tested benefits. Our guide to equity release costs shows how compounding builds up.
How to apply for a more2life equity release plan
more2life does not deal directly with consumers. Its plans are arranged through a qualified, FCA-regulated equity release adviser, who assesses whether a lifetime mortgage is suitable, checks eligibility using more2life's published criteria for the relevant plan, and arranges the illustration and application.
The lender is more2life Ltd (company number 05390268), which is authorised and regulated by the Financial Conduct Authority.
An adviser will also confirm current requirements, such as property location and value, since these are set at plan level and can change. Our guide to finding a regulated equity release adviser explains what to check before booking an appointment.
Questions to ask an adviser about a more2life plan
If a more2life plan is being discussed, two questions follow from how its range works:
- Which of more2life's plans, and which age band, would apply to me, and why?
- If I took further funds later, how would that change the amount owed and what is left in my estate?
Our list of equity release adviser questions to ask first covers the wider questions that apply to any lifetime mortgage.
Next step
Our equity release explained guide covers the wider process, and our providers hub lists UK providers A–Z. Equity release requires advice from an FCA-regulated adviser, who can compare it with other options for your circumstances.
Later Life Finance Guide is not affiliated with more2life and does not recommend any lender or provider. This page summarises publicly available information; products and criteria change, so check the current details with the provider or an FCA-regulated adviser. Product details were checked on 26 September 2026.
Frequently asked questions
Does more2life offer a plan with voluntary monthly repayments?
Yes. more2life's Tailored Interest Reward plan allows voluntary monthly repayments, which can reduce the interest that would otherwise build up on the loan. Repayments rely on having spare income, and if they stop, interest is added to the loan and compounds in the usual way. An FCA-regulated adviser can show how different repayment levels would change the amount owed over time.
Can I get a more2life lifetime mortgage without going through an adviser?
No. more2life is a lender, authorised and regulated by the Financial Conduct Authority as more2life Ltd, and it works only with qualified equity release advisers rather than dealing directly with consumers. Anyone interested in one of its plans would speak to an FCA-regulated adviser first, who checks eligibility against more2life's published lending criteria for each product.
What more2life lifetime mortgage products are there?
more2life offers a range of named lifetime mortgage plans, including Omni, Apex, Flexi, Horizon and Maxi Zero, as well as Tailored Interest Reward. Age ranges, and other published criteria, differ between them, so an adviser would check which plans a particular customer and property could be eligible for.
Does a more2life lifetime mortgage let me move house later?
more2life allows customers to apply to move, or "port", their lifetime mortgage to a new property, provided the new property meets its lending criteria at the time. This is not automatic or guaranteed, and any move should be discussed with an adviser and more2life in advance.
Can I take more money from my more2life plan after it starts?
On at least some more2life plans, customers can apply to access further funds from an existing lifetime mortgage, such as through a drawdown or further advance facility. Any extra borrowing adds to the amount owed and to the interest charged on it. Availability and terms depend on the specific plan and more2life's criteria at the time, so this should be checked with an adviser.