Unlocking more equity with our Lifestyle Max lifetime mortgage

23 Feb 2026

Our Lifestyle Max lifetime mortgage, with up to 14.9% higher LTV than our existing Lifestyle Flexible Advantage lifetime mortgage and a 4-year early repayment charge term, Lifestyle Max gives your clients a way to release higher proportions of equity from their home.

Our products at a glance

 

Lifestyle Max

Lifestyle Flexible Advantage

 

Eligibility

 

Age

Minimum age 55
No maximum age

Minimum age 55
No maximum age
Property Value  Minimum £75,000
Maximum - £2.5 million

Minimum £75,000
Maximum - upon referral over £5 million
Lending Criteria  Prevailing lending criteria Prevailing lending criteria
Minimum Loan £15,000 lump sum  £15,000 lump sum or £10,000 lump sum with a £5,000 cash reserve
Maximum Loan £1.5 million No max
Product Features  
NNEG Yes Yes
Optional Inheritance Guarantee Yes Yes
Downsizing Protection Yes Yes
VPRs Yes - minimum £50 and maximum is 10% of all loans per policy year Yes - minimum £50 and maximum is 10% of all loans per policy year
Interest-servicing uplift No Yes, for every repayment that services interest in the current policy year (subject to minimum and maximums shown above), a 10% uplift will be added
Early Repayment Charges  
ERC Model Fixed % Gilt or Fixed %
Fixed % ERC Term 4 years 
 10 years
Fixed % ERC Shape

Year 1:   8%
Year 2:   7%
Year 3:   6%
Year 4:   5%
Year 5 onwards 0%

Year 1:   9%
Year 2:   9%
Year 3:   8%
Year 4:   7%
Year 5:   6%
Year 6:   5%
Year 7:   4%
Year 8:   3%
Year 9:   2%
Year 10: 1%

Year 11 onwards 0%
Further Borrowing  
Additional Borrowing  Yes - minimum £5,000
Although Additional Borrowing is not guaranteed		 Yes - minimum £5,000
Although Additional Borrowing is not guaranteed
Cash Reserve Facility No Yes
Pricing  
Enhanced Terms No Yes
LTV Range 21.4% to 57.9% 19% to 43% 

Support Documentation  

To help you understand the Lifestyle Max product, we have created a few helpful documents you can find in our document library

  • Target Market Statement giving clarity on who the Lifestyle Max is designed for
  • Value for money assessment 
  • Terms and conditions (Edition 12)

You can find the Target Market Statement for the Lifestyle Flexible Advantage here. You can also find answers to your frequently asked questions here.

Further Support

Our teams are here to help you find the right product for your clients. You can find out who your dedicated Business Development Manager here, or email erbusinesssupport@aviva.com

Our lifetime mortgage is a long-term loan secured on your clients' home. Inheritance will be reduced and tax position and welfare benefits may be affected.