First-time borrower Homebuyer Remortgage Later Life borrower

Fixed for life Mortgages

Perenna aim to offer 30 year fixed-rate mortgages up to 95% LTV with flexibility to change at no extra cost after 5 years.

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The only mortgage you'll ever need

Fair

Transparent prices based on covered bonds

Flexible

Remortgage if you want. No redemption charges after 5 years

Fixed

Budget better and be protected against increasing interest rates

No Reversion

Your payment never changes and will never revert to SVR

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Fixed for life, yet flexible

Get out of the remortgaging cycle
Monthly repayments fixed for the entire term
No risk of your mortgage payments increasing

Friendly to first-time buyers

Get your first mortgage with Perenna

Get on the property ladder
We aim to offer 95% LTV
Budget with confidence

Homebuyers

A mortgage that adapts to your life and family

Secure your ideal home
Experience a stress-free process
Take your mortgage with you if you ever move again

Later life, borrow in retirement

No age restriction, we will offer mortgages to over 55s
Release equity from your home to enjoy now
Help your children get on the property ladder

How it works

Perenna mortgages are funded in a completely different way to traditional mortgage lenders. Our mortgages will be financed through long term covered bonds similar to the way public funding is raised – meaning we can fix rates for exceptionally long terms.

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Perenna (Perenna Group Limited) is in the process of applying for permission to become a bank and so is NOT currently regulated by the Prudential Regulation Authority (PRA) and Financial Conduct Authority (FCA). Perenna Group Limited is a company registered in England and Wales with company number 11506324. Our registered office is at 20 Eastbourne Terrace LONDON W2 6LG.