More2Life Equity Release
More2Life was founded in 2008 and is owned by Key Retirement Group - one of the largest equity release advisory groups in the UK.
Important: Equity release is a long-term commitment and will reduce the value of your estate. It may affect entitlement to means-tested benefits. Independent financial and legal advice is required. All plans recommended are from Equity Release Council approved lenders. Your home may be repossessed if you do not maintain required payments on a secured loan.
About More2Life Equity Release
More2Life was the first equity release lender to offer enhanced lifetime mortgages, which give more money to applicants with health conditions or lifestyle factors. Their Flexi Choice range offers a comprehensive product set across standard and enhanced plans.
The options we compare
More2Life Flexi Choice Enhanced
More2Life's flagship enhanced plan - for health conditions and lifestyle factors. One of the broadest health assessment criteria in the market. If Just is unable to offer enhancement, More2Life is often the next best option.
More2Life Flexi Choice Standard
Competitive standard lifetime mortgage for clients without qualifying health conditions. Lump sum and drawdown options. Fixed interest rate.
More2Life Capital Choice
More2Life's higher-LTV option - accessing more equity than standard plans for the same age. A lump sum product without optional payments.
Lifestyle Factors Enhancement
More2Life considers smoking history, high BMI, and other lifestyle factors for enhanced terms - not just diagnosed medical conditions. This gives more applicants access to enhanced amounts.
Drawdown Option
More2Life offers drawdown lifetime mortgages - initial lump sum plus cash reserve. Interest only accrues on drawn amounts.
Independent Comparison
As a More2Life intermediary, we access their full product range. We compare it against the whole ERC-approved market - More2Life is the right answer for many enhanced cases, but not all. We identify when.
How We Help
Health assessment
We take the health questionnaire to determine whether More2Life's enhanced plans apply.
More2Life vs whole market
Enhanced comparison against Just and other enhanced providers. Standard comparison against Aviva, L&G, Canada Life.
Illustration
More2Life KFI obtained alongside competitor illustrations.
Completion
More2Life's standard completion process. 4-8 weeks typical.
Speak to our later life lending specialists
Call 0204 6211776 · Whole-of-market advice across all later life products · FCA No. 814533
Frequently asked questions
Is More2Life or Just better for enhanced equity release?
Both are market leaders in enhanced equity release. For some conditions, Just offers the highest enhancement. For others, More2Life's broader lifestyle criteria (particularly smoking and BMI) make them stronger. We compare both for every enhanced enquiry - the answer depends on your specific conditions, age, and property value.
What makes More2Life different from other equity release lenders?
More2Life's primary differentiator is their pioneering enhanced lifetime mortgage range - they were first to offer this in 2008. Their Flexi Choice Enhanced plan has broad health acceptance criteria and competitive enhanced rates. They are also owned by Key Retirement Group, providing operational scale and experience.
What lifestyle factors does More2Life consider for enhancement?
More2Life considers current and past smoking, high BMI (typically 30+), and a range of health conditions. The lifestyle-only enhancement (without a diagnosed condition) is a More2Life differentiator that can qualify clients who would receive no enhancement from other providers.
What is the Flexi Choice plan?
Flexi Choice is More2Life's core lifetime mortgage product range - available in Standard and Enhanced versions. The plan offers drawdown or lump sum options, optional repayments, and ERC protections including the no negative equity guarantee.
What are More2Life's equity release rates?
Indicative rates are in the 5.4%-6.4% AER range (August 2026). Enhanced plan rates may differ slightly from standard plans. Rates change regularly - we obtain live illustrations.