Best Equity Release Companies in the UK

Find Out the Leading Equity Release Providers in the UK [2021]

Are You Looking for the Best Equity Release Company in the UK? Find Out Which Equity Release Schemes to Avoid & Which Equity Release Providers are the BEST...

Who are the Best Equity Release Companies
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Releasing equity from your home can be one of the best, and most life-changing decisions for you and your family. It’s vital that you use a trusted provider for this process to get the best possible equity release deal!

Luckily for you, we are here to guide you through the top equity release providers in the UK. Find out more now!

You MUST Know

Before you continue reading, we’ve summed up the most important information about the topic in this quick video. Check it out:

The Best Equity Plan Providers in 2021

With so many brilliant providers on the market, we’ve made it easier by breaking these down for you.

There are 2 main types of equity release, a lifetime mortgage, and a home reversion plan.

Learn more here: The Types of Equity Release

8 Top Lifetime Mortgage Providers

First of all, here are the 8 best lifetime mortgage providers in 2021!

Aviva

1. Aviva

Aviva equity release, one of the most established equity release plan providers in the UK, have been offering lifetime mortgage plans to over 250,000 consumers since 2000, releasing over £8 billion in equity.

The FCA authorises it, and it’s a certified member of the Equity Release Council.

Aviva has also won several awards in the equity release docket including the Best Equity Release Lender in 2020, making it a favourable option in 2021.

Aviva Equity Release Schemes

The company offers 2 lifetime mortgage plans, and subject to its terms and conditions, both options allow you to remain in your residence until you (and your partner if you take a joint lifetime mortgage scheme) pass on or move into permanent care.

They include:

  • Lifetime Lump Sum Max
  • Aviva Flexible Plan

The Lifetime Lump Sum Max Plan enables you to unlock a one-off cash lump sum, starting at £15,000.

The Aviva Flexible Plan, on the other hand, offers you a single lump sum and a drawdown option. In other words, you borrow an initial amount, and then set up a cash reserve to draw money from.

The great thing about this is that you only pay interest on the money you withdraw. You can take a minimum amount of £10,000 as your withdrawal, with a minumum of £5,000 in your cash reserve.

Aviva Equity Release also provides you with favourable interest rates that are dependent on your health and lifestyle conditions.

Core Features & Qualification Criteria

  • Minimum Amount of Equity Offered: £15,000
  • Maximum Amount of Equity Offered: No limit specification
  • Minimum Age Limit: 55 years
  • Maximum Age Limit: 80 years
  • Property Minimum Value: £75,000 (and it should not be unoccupied for more than six months)
  • Property Condition: Freehold (Aviva can accept if 160 years are remaining on the lease)
  • Property Types: Houses, flats and maisonettes (for plats and maisonettes, they only consider 85% of the valuation to work out how much you can borrow.
  • Interest Rates Offered: Depends on how risky the loan is
  • Customer Review Ratings: A+ BBB
  • Special Features: 
    • No negative equity guarantee 
    • An optional inheritance protection guarantee
    • Voluntary partial repayment
    • You can pay up back up to 10% of your loan yearly if you wish to.

Although there is no obligation, you can make regular instalments to decrease the amount that is owed when the plan comes to an end. The minimum you can pay each time is £50.

The Aviva Lifetime Mortgage Plans are designed to last for life, but they also offer you the option of having ‘early repayment plans.’

You can borrow is a couple. The plan then ends when the second partner passes away or moves into permanent care. This ensuring that your spouse will be able to stay in your beloved home, even once you have passed away.

If you need more information on Aviva, use our calculator and see how much you can release.

Learn all about: The Pros and Cons of Equity Release

Hodge Lifetime

2. Hodge Lifetime

Hodge Lifetime was founded in 1965 and is an exclusively owned subsidiary of Julian Hodge Bank Limited.

Beaking news!

As of 1 July 2021, Hodge Life Assurance Company (HLAC) has sold 100% of its Hodge Life Assurance unit share capital to the Reinsurance Group of America (RGA).

Do not worry, RGA is a leader in their field! The sale indicates RGA’s commitment to the UK market.

Reinsurance Group of America, incorporated is a fortune 500 company and a leader in the life insurance and financial solutions market.

Hodge will continue focusing on retirement interest-only mortgages and holiday let mortgages, still maintaining its commitment to providing financial solutions for retirees.

Just

3. Just.

Formerly referred to as Just Retirement Equity Release and established from a merger of Just Retirement and Partnership Assurance, the company is one of the UK’s leading providers of retirement financial solutions.

The 2021’s Oustanding (2 Star Accredited) Company to Work For, is one of several prestigious awards that they have won in the UK business sector.

A company that cares about their staff, cares about their clients. In other words, they care about people.

It offers 3 equity release plans and provides its consumers with flexible terms that allow you to borrow more based on your health and lifestyle choices.

Just Equity Release Schemes

It has three equity release options, and they include:

  • Just Drawdown Lifetime Mortgage
  • Lump Sum Lite Lifetime Mortgage 
  • Just Lump-Sum Plus Lifetime Mortgage

The Just Drawdown Lifetime Mortgage Plan allows you to release some of the equity from your home as an initial advance, along with a pre-approved çash facility’ that you can access whenever you need it.

What’s great about this option is that interest will accumulate at a slower rate, as you’re only charged on the amount that you have actually borrowed.

It’s accessible to consumers above 55 years, and it enables you to release a minimum of £10,000 and a maximum of £600,000 if you live in England and £250,000 if you live in Wales, Scotland or Northern Ireland, depending on your age and estate value. 

The cash reserve accessible will be limited to the lower amount of either three times the start-up loan or the maximum amount you can borrow based on your age and the value of your residence.

The Lump Sum Lite Lifetime Mortgage Plan differs in that you take out one single lump sum. The amount you borrow will depend on your health and lifestyle conditions.

It’s available for those aged 55 and above and whose property is worth at least £70,000 and located in Scotland, Wales or England.  

The amount of money you release is higher than that of the drawdown lifetime plan, but the interest rates will likely be higher. If you need to borrow more, you’ll have to wait until 6 months are over, but it all depends on your eligibility. 

The amount you release is dependent on your age and the value of the estate with a minimum amount of £10,000 and a maximum of £600,000 in England and £250,000 in Scotland and Wales.

The Lump Sum Plus Lifetime Plan also allows you to unlock a single lump sum of equity tied up into your home.

It’s available to those aged 55 and above and with an estate value of at least £70,000 in Wales, England, and Scotland. 

It provides you with the choice to maximise the lending potential against your property. The standard loan to value is typically higher than that of the Drawdown Lifetime mortgage, but it also comes with a higher interest rate.

Moreover, the Just Underwriting team also considers your health and lifestyle, thus offering you the option of borrowing a more considerable amount. 

This particular plan allows you to borrow up to £800,000, depending on your particulars.

Core Features & Qualification Criteria

  • Minimum Amount of Equity Offered: £10,000, but £20,000 if you want to make monthly repayments
  • Maximum Amount of Equity Offered: £1,000,000 if you live in England, Scotland and Wales and up to £250,000 for Northern Island
  • Minimum Age Limit: 55 years
  • Maximum Age Limit: 90 years
  • Property Minimum Value: £70,000 
  • Location: England, Scotland or Wales for all plans and Northern Ireland for the drawdown lifetime mortgage scheme
  • Interest Rates Offered: Depends on how risky the loan is
  • Customer Review Ratings: A+
  • Special Features: no negative equity guarantee 

If you need more information on Just, use our calculator and see how much you can release.

Liverpool Victoria (LV=)

4. Liverpool Victoria (LV=)

Liverpool Victoria (LV) Equity Release, popularly known as LV=, is a leading financial company in the UK with over a million clients who have unlocked the value of their homes through equity release schemes. 

It’s practically one of the few equity release companies that offer the holiday home or second home lifetime mortgage plans in the UK.

LV= has been in the equity release game since 2002, and it’s authorised by the FCA and a certified member of the Equity Release Council; so you can be reassured that it has a ‘no negative equity guarantee’, as well as complies with the rest of the Equity Release Council’s guidelines and principles. 

The company has also won several awards including the 5-star awards for Equity Release Services for its Flexible Lifetime Mortgage.

LV= Lifetime Mortgage Schemes

Liverpool Victoria offers 2 great lifetime mortgage plans. They include the:

  • Lifetime Mortgage Lump-Sum Plus
  • Flexible Lifetime Mortgage

The Lifetime Mortgage Lump Sum + Plan allows homeowners who are 60 years old to release cash that ranges from 25% of your estate’s value, and up to 55% for those aged between 90 to 95. 

It also allows you to borrow a minimum single lump sum payment of £10,000, meaning that the fees and interest rates are lower compared to LV’s flexible lifetime mortgage.

Any future borrowing can be available depending on your circumstances and the terms and conditions of the equity release plan at the time.

True to its name, the Flexible Lifetime Mortgage offers you more flexibility as compared to the Lump Sum Plus Plan. You can decide to unlock the value of your home either through a lump sum or a drawdown plan. 

The amount of cash you withdraw with this plan ranges from 20% of the value of your residence for 60-year-olds and 50% for those aged between 90 and 95. The minimum amount you can unlock is about £10,000 and the maximum can be three times your original loan or if lower, the highest amount will be against the value of your residence. 

It has a minimum withdrawal limit of £2,000, and you can unlock the maximum loan available to you for a period of 15 years.

However, you can only make one withdrawal each year, and your provider will charge an interest that will be dependent on the rates at that time and not as per the initial loan agreement.

Core Features & Qualification Criteria

  • Minimum Amount of Equity Offered: £10,000
  • Maximum Amount of Equity Offered: No limit specification
  • Minimum Age Limit: 60 years
  • Maximum Age Limit: 95 years
  • Property Minimum Value: £70,000 
  • Property Condition: Freehold, bungalow, or flat. If it’s of leasehold, it may be accepted. However, the lease should have between 70 to 90 years remaining dependant on your age
  • Location: England, Scotland or Wales including the Isle of Wight and Anglesey
  • Building Materials: In excellent condition, well maintained and designed of conventional bricks and mortar (other building materials may be considered)
  • Interest Rates Offered: Depends on how risky the loan is
  • Customer Review Ratings: A+
  • Special Features: No negative equity gaurantee 
    Initial free, no obligation advise

You should also note that the LV equity release interest is compounded annually and not monthly, like with other plan providers. It can make a massive difference over ten years.

If you need more information on LV, need to use our calculator and see how much you can release.

Legal & General

5. Legal & General

Legal & General (L&G) is one of the world’s largest equity release plan providers and one of the UK’s leading pension fund asset managers.

As a certified member of the Equity Release Council, it abides by its guidelines and codes, and it endorses the ‘no negative equity guarantee.’ 

The FCA also regulates its services, and the company has won several awards.

L&G Equity Release Schemes

They offer 2 varieties of the lifetime mortgage plan, namely:

  • Flexible Lifetime Mortgages 
  • Premier Flexible Lifetime Mortgage

Flexible Lifetime Mortgages 

The Flexible Lifetime Mortgage offers you a chance to borrow money as either a single tax-free cash lump sum or in smaller amounts (drawdowns). 

The minimum you can borrow with this plan is £10,000, and the maximum will be dependent on your age and the value of your estate. You can also opt to draw down a minimum of £2,000 at any time with no fees.

 You will only be charged the interest rate at the time of the withdrawal; not your original application. It also comes with the ‘no negative guarantee,’ and it gives the freedom to choose the inheritance protection option at no extra cost. 

With this plan, you can be sure that your family will have something left after you die.

Premier Flexible Lifetime Mortgage

The Premier Flexible Lifetime Mortgage, on the other hand, works similarly to the standard flexible lifetime mortgage option, but it offers you a minimum of £250,000.

Legal & General Equity Release also offers other favourable plans, and you can access them on their website.

Core Features & Qualification Criteria

  • Minimum Amount of Equity Offered: Dependent on the plan, but it ranges from £10,000 to £250,000
  • Maximum Amount of Equity Offered: No limit specification
  • Minimum Age Limit: 55 years
  • Maximum Age Limit: 75 years
  • Property Minimum Value: £100,000 and £150,000 for ex-council property
  • Interest Rates Offered: Depends on how risky the loan is
  • Customer Review Ratings: A+
  • Location: Scotland, Wales, England 
  • Special Features: 
    • No negative equity guarantee 
    • Inheritance Protection Guarantee (at no extra costs)

 L&G also work with ‘The Retirement Lending Advisers’ to aid in advising you on which plan best caters to your needs. They don’t charge for this service, but they only offer advice on L&G market products and not equity release schemes available with other companies.

If you need more information on L&G, use our calculator and see how much you can release.

More 2 Life

6. More2life

More2life Equity Release was established in 2008 and is known as the most prominent innovator in the lifetime mortgage market and is among the largest equity release firms in the UK. 

The company strives to be an innovator in the equity release market, helping to deliver their clients a stress-free retirement.

The FCA fully authorises it, and it only deals with fully qualified, independent advisers. 

As a board member of the Equity Release Council, it adheres to the body’s standards and principles that ensure the fair treatment of customers.

More2life Equity Release Schemes

More2life has 5 different equity release plans available for homeowners aged 55 to 95. Their broad range of plans is equipped to suit all client’s needs.

More2Life Flexi Choice Plans

With the Flexi plan, there is a wide range of LTVs (loan to valuation ratio). The rates are competitive and you can select a lump sum or drawdown option. In addition, you can loan up to £1m.

More2Life Tailored Choice Plans

The Tailored plan has partial repayments, fixed early repayment charges and the option of cashback. The maximum loan available on this plan is £800,000.

More2Life Maximum and Capital Choice Plans

The Capital and Maximum plans have the same description, but you can borrow up to £1.5m with Captial and £750,000 with Maximum, depending on the risk of the loan.

More2Life Prime Choice Plans

Finally, the Prime plan allows you to loan up to £600,000 and is a lump sum only option. The features include up to 10% partial repayments.

All plans allow you to acquire a minimum single lump sum payment of £10,000, and any future borrowing can be available depending on your circumstances and the terms and conditions of the equity release plan at the time.

Core Features & Qualification Criteria

  • Minimum Amount of Equity Offered: £10,000
  • Maximum Amount of Equity Offered: £1.5m
  • Minimum Age Limit: 55 years
  • Maximum Age Limit: 84 years
  • Property Minimum Value: £70,000 
  • Location: England, Scotland or Wales 
  • Interest Rates Offered: Depends on how risky the loan is
  • Customer Review Ratings: A+
  • Special Features: No negative equity gaurantee  
    A large range of plans
    Fixed early repayment charges (ERC)
    Downsizing protection
    Fee free
    ERC exemption
    Fixed repayments from day 1

If you need more information on More2life, use our calculator and see how much you can release.

One Family

7. One Family

Founded in 2015, One Family’s aim is to give its customers the financial help that they need. The company was born through a merger, making it one of the UK’s largest mutual organisations.

One Family is FCA approved and a proud member of the Equity Release Council, therefore offering a ‘no negative equity guarantee’.

They use the latest technology by allowing customers to connect with their adviser via video chat, which is perfect in a post-Covid world.

In terms of equity release costs, they have a fixed advice fee of £950.

Pro Tip: Legitimate equity release firms will be transparent about all fees upfront.

In addition, they have whole market advisers who will be able to suggest plans by all regulated providers.

One Family Schemes

One family offers fixed and variable equity release plans. With 9 different plans available, there are numerous equity release scheme options.

OneFamily Variable Lifetime Mortgages

Their variable rate plans come in Lite and Standard. Lite offers you anything from 13.5% of the value of your home and this is from 17% for Standard.

These loans are available for homeowners between the age of 55 and 85.

Finally, you can borrow an amount between £20,000 and £1m, depending on your circumstances and the risk of your loan.

OneFamily Fixed Lifetime Mortgages

Fixed interest rate mortgages come in Lite, Standard and Super LTV.

Super LTV is for those over the age of 65 and under 100. You can borrow up to 58% of the value of your property.

Lite and Standard LTV is for homeowners 55 to 85, giving you the option of loaning up to 47%.

Core Features & Qualification Criteria

  • Minimum Amount of Equity Offered: £10,000
  • Property Type: Freehold or leasehold
  • Maximum Amount of Equity Offered: £750,000
  • Minimum Age Limit: 55
  • Maximum Age Limit: 100
  • Property Minimum Value: £70,000 with no maximum
  • Location: England, Wales and Scotland
  • Interest Rates Offered: Depends how risky the loan is
  • Customer Review Ratings: A+
  • Special Features:  Free valuation
    10 year fixed early repayment
    Choice of fixed/variable rates
    Downsizing protection option
    No negative equity guarantee

If you need more information on One Family, use our calculator and see how much you can release.

Pure Retirement

8. Pure Retirement

Pure Retirement lives by honesty, security and simplicity. Its equity release plans can be approved in 5 simple steps, making it a stress-free process.

They are regulated by the FCA and are equity release council members, therefore offering a ‘no negative equity guarantee’.

Pure Retirement won numerous awards in 2020, including Best Specialist Mortgage Provider at the Mortgage Lender Benchmark awards.

Pure Retirement Schemes

They offer 2 ranges of lifetime mortgages, Pure Max Drawdown and the Pure Sovereign range.

Pure Max Drawdown

Pure Max Drawdown gives you the option to release a minimum of £25,000 in equity tied up into your home.

Available for anyone over 70, there are no monthly repayments, they allow a maximum withdrawal from cash reserve of £5,000, and interest rates are fixed for life.

Pure Sovereign

The Sovreign Lump Sum is available at fixed interest rates as low as 2.86%, depending on the risk of the loan.

One of the fantastic features is that there is a 3-Year No Early Repayment Charge and there is a Downsizing Repayment Charge Exemption.

Core Features & Qualification Criteria

  • Minimum Amount of Equity Offered: £10,000
  • Maximum Amount of Equity Offered: £2 million
  • Minimum Age Limit: 55
  • Maximum Age Limit: 90
  • Property Minimum Value: £70,000
  • Location: Mainland England (including the Isle of Wight), Wales, and mainland Scotland
  • Interest Rates Offered: Depending on the risk of the loan
  • Customer Review Ratings: A+
  • Special Features: Fees free options
    Free valuation
    3-year ERC Exemption
  • If you need more information on Pure Retirement, use our calculator and see how much you can release.

The Top 18 Home Reversion & Retirement Mortgage Providers

Let’s not forget about the home reversion scheme. Here are the top home reversion and mortgage providers in 2021!

1. Bridgewater

The Retirement Bridge Group owns Bridgewater Equity Release Limited, a large company that offers a range of home reversion schemes.

The great thing about Bridgewater is that they allow you to release further equity from your home at a later stage if you have not released 100% of the equity available.

2. Crown

Crown is a proud member of the Equity Release Council and was a founding director of SHIP.

Their home reversion plans are available for people over the age of 65 and allow you to sell all or part of your estate in return for a lump sum or smaller repayments.

3. Bank of Ireland

The Bank of Ireland was founded in 1783, and offers retirement mortgage plans through the Post Office financial Retirement Link.

They offer a range of both equity release and lifetime mortgages, giving you a range of options to consider. Their plans include lump sum plans, drawdown plans, interest-only plans, and home reversion plans.

4. Beverley Building Society

Founded in 1866, the Beverley Building Society is one of UK’s oldest established societies.

They offer mortgage options to homeowners over the age of 55, allowing you to release up to 55% of the valuation of your home.

5. Buckinghamshire Building Society

Established in 1907, the Buckinghamshire Building Society has RIOs on offer that allow customers over 55 to borrow up to 60% of their property value.

The minimum loan size is between £25,000 and £50,000, depending on which mortgage plan you opt for.

6. Family Building Society

The Family Building Society was established in 1896 and offers professional services to over 47,000 customers.

They are partnered with The Equity Release Experts, offering independent equity release advise.

7. Hanley Economic Building Society

Founded in 1854, Hanley Building Society offers a range of retirement interest-only (RIO) mortgages for homeowners over the age of 55.

They have fixed fees for loans ranging from £10,000 to £750,000. The maximum amount you can borrow is between 50% and 65% of your home’s valuation.

8. Hinckley and Rugby Building Society

Hinckley and Rugby Building Society has mortgage products for individuals over the age of 75. Their plans are specifically designed to ensure flexibility to suit each borrower’s needs.

Established in 1861, they have a high standard of customer service.

9. Hodge Lifetime

In addition to a lifetime mortgage, Hodge Lifetime also offers RIO mortgages that allow you to borrow up to 75% of the value of your estate.

10. Ipswich Building Society

Ipswich Building Society boasts a range of Retirement Interest Only (RIO) mortgages that allow you to repay over a 40 year period.

There is an amazing 50% interest rate discount for the first 2 years of your plan.

11. Leeds Building Society

As the winner of the Commended Moneyfacts Consumer Awards in 2021, the Leeds Building Society offers 2 & 5-year fixed-rate mortgages, and RIOs.

You can borrow up to 75% of your LTV.

12. Mansfield Building Society

The Mansfield Building Society has 7 different mortgage products available for those who are borrowing into retirement.

Both their capital repayment and interest-only mortgages need to be paid back before the age of 85.

13. Marsden Building Society

As experts in later life lending, Marsden Building Society has RIO’s for borrowers up to the age of 90.

In addition, they offer repayment and interest-only mortgages.

14. Newbury Building Society

Newbury Building Society also offers RIOs with their plans being available for those between the ages of 60 and 90-years-old.

They have offered mortgages for over 160 years and are focused on including sustainable living into their way of doing business.

15. Penrith Building Society

Established in 1877, Penrith Building Society lends up to 50% of your property’s valuation to borrowers over the age of 55.

Unlike with equity release, they require you to do an affordability check, to see if you qualify for an RIO.

16. Scottish Building Society

The Scottish Building Society also provides RIO mortgages for property owners over the age of 55.

Founded in 1848, they are the oldest remaining building society in the world!

17. Swansea Building Society

Swansea Building Society will loan you a minimum income of £18,000 if you are over the age of 55.

Established in 1923, they have long-term loans that are expected to be paid off by your 85th birthday.

18. Tipton and Coseley Building Society

As the last (but not least) mortgage supplier on our list, Tipton and Coseley Building Society offers a range of mortgages for people over the age of 55.

Their products include 3-year discount plans and 5-year fixed interest rate plans. These are both available for RIO and later life lending.

High Street Banks & Lifetime Mortgages

As equity release becomes more popular in the UK, the traditional lenders like Legal and General are being joined by the big guys. High street banks like Nationwide Building Society also offer equity release at competitive rates.

Proudly the largest building society in the world, Nationwide Building Society has over 15 million members. They offer a range of later-life mortgages, including equity release.

If you are 55 to 84, own your home, and are looking to release equity, you may want to consider arranging a telephonic or video call with one of their advisers.

Best Equity Release Companies

Got Questions? Check These First

What's the Catch With Equity Release Companies?

How Much Interest Do Different Companies Ask You Pay Back on Equity Release?

Which is The Best Equity Release Company?

In Summary

Equity release is one of the most important financial decisions you will ever make in your life. So, it is best to take your time when choosing a plan provider that will cater to all your needs.

You should do your due diligence and consult several providers before making an informed decision on the company that will make your retirement dreams come true. Make sure you understand which companies to avoid.

Check out how much you can release and chat with an expert for free.

Lastly, if you want to know how much equity you can release from your home, use our equity release calculator to find out now!

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