Why you’re stuck
Landmark Mortgages is part of the closed‑book market. Closed‑book servicers typically don’t offer new products or further advances. Instead of a product transfer, the practical route is to switch to an active lender.
Your switch options
- MAA (Modified Affordability Assessment): like‑for‑like balance; based on payment history; new deal must be cheaper.
- RIO (55+): later‑life interest‑only; affordability and LTV still apply.
Quick eligibility check
- Up‑to‑date on payments (last 12–24 months)
- No extra borrowing under MAA (like‑for‑like)
- Not moving home
- Lower LTVs help (e.g., ≤ 60%)
- Ages 55+ may fit RIO route
What we’ll need
- Latest mortgage statement + 12m payment history
- 3–6m bank statements
- Pension/income evidence
- Photo ID + proof of address
Useful specifics
- Landmark is associated with closed‑book mortgage portfolios; new products are not typically offered.
- We’ll run MAA first for like‑for‑like switching and RIO where eligible.
- We’re independent and not affiliated with Landmark.
FAQ’s
Why can’t I get a better deal with Landmark?
Closed‑book administrators generally manage existing loans and don’t originate or offer new products.
Can you confirm if my case is eligible for MAA?
We’ll check your payment history, LTV and that the new deal is cheaper; then target lenders actively using MAA.
What if I want to borrow more?
That usually falls outside MAA; we’ll assess standard remortgage or RIO depending on circumstances.
Get your free eligibility check
Compliance
- No advice implied until a suitability assessment is completed.
- MAA availability and lender participation vary over time.
- Your home may be repossessed if you do not keep up repayments on your mortgage.