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OneFamily have created award winning products with customer needs and flexibility being a core focus.  We’ve picked up a five-star rating from Defacto three years in a row for our 50 Plus Life Cover, a five-star rating from MoneyFacts for our Lifetime Mortgages and we were named Best Junior ISA provider at the 2015 MoneyFacts Awards. We don’t stop there; we create all of our products and services so that they meet the same high standard.


And with a legacy dating back to 1975 we’ve been helping families help each other for over 42 years now. And we’ll continue doing so for decades to come.



Lifetime Mortgage Products:


No one really knows what retirement will bring, that’s why all of our Lifetime Mortgage products come with flexible features, including:

  • Downsizing protection after 5 years
  • Fixed early repayment charges for the first 10 years
  • No early repayment charges after 10 years
  • No affordability assessment
  • fixed or variable rate options


Interest Roll-up: Roll-up

Customers make no payments to their loan through the life of the mortgage. Instead the interest and any charges are added to the loan each month.


Key features:

  • The mortgage will be repaid when the home is sold
  • The amount that will be repaid will consist of the original loan amount, plus any accrued interest or charges



Voluntary Payment:

Customers are able to pay back up to 10% of the initial loan amount each year, with no early repayment charge.


Key features:

  • Minimum payment of £25 up to a maximum of 10% of loan amount
  • Payments can be made from day one
  • Payments of any frequency through standing order, cheque or debit card 



Interest Payment:

Customers are able to pay back up to 100% of the interest each month, ensuring the amount owed does not increase each year.

Key features:

  • Minimum payment of £25 up to 100% of the interest amount
  • Payments can be made from day one
  • Monthly payments by Direct Debit
  • Product switch available




Guaranteed 50 Plus Life Cover: 

OneFamily 50 Plus Life Cover offers guaranteed acceptance without a medical but there’s much more to our Defaqto 5 star rated Over 50’s Life Cover than that:


  • Serious Illness Benefit.
    Currently the only Over 50s life cover product to offer this benefit.
  • Terminal Illness Benefit.
    Currently the only Over 50s life cover product to offer this benefit.
  • Premiums from £10 per month.
    A range of premiums to suit your client's needs between £10 to £75
  • The OneFamily Care Advice Service.
    Free initial Care Advice to help clients and their families with their care needs.
  • A cash lump sum.
    To help when your clients loved ones need it most for funeral costs, unpaid debts or to leave some money behind.
  • Quick and easy application process.
    There’s no need to arrange a medical so your clients could be on cover within minutes.
  • Option for clients to add nominated beneficiaries
    with pay-outs of up to £5000 without the need for probate.
  • OneFamily Health Support.
    Practical and emotional help if your client or a family member is diagnosed with a serious or terminal illness.
  • Offers a choice of Funeral Funding Option providers.


For further information on all of our products please visit us at



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