**This is a lifetime mortgage. To understand the features and risks, ask for a personalised illustration.

*Your home may be repossessed if you do not keep up repayments on your mortgage.

*There may be a fee for mortgage advice, the precise amount of the fee will depend upon your circumstances but we estimate that it will be between £199 and £395.

***Changes in exchange rate may increase the sterling equivalent of your debt.

The Financial Services Authority does not regulate will writing, finance and some aspects of commercial mortgages.