Retirement Mortgage Adam & Company

Release money from your home
You don’t need to make monthly payments
Help your family get a deposit for their own home
Still, have a mortgage? No problems
Continue to stay in your home for as long as you like
Lenders not affected by corona virus-covid19
Prefabricated properties are OK

If you don’t want a lifetime mortgage or equity release, and just want a normal mortgage at 3.97% regardless of your age please Click Here

Free No Obligation Quote
Release equity from:*
How Much Would You Like Release/Borrow?*
Please enter a number from 6000 to 2000000.
Estimated Value Of Your Home?*
Total amount of mortgage/loans you have on your home
About You
Please tell us about your self and what you want
Name*
First Last
Date of Birth*
Your Email Address:*
Phone Number*
First Line Of Your Address:*
Your Postcode:*

Not interested in equity release? Do you just want a conventional mortgage at 3.97% regardless of your age please Click Here

Free No Obligation Quote
Release equity from:*
How Much Would You Like Release?*
Please enter a number from 10000 to 2000000.
Estimated Value Of Your Home?*
Total amount of mortgage/loans you have on your home
About You
Please tell us about your self and what you want
Name*
First Last
Date of Birth*
Contact Phone Number:*
Your Email Address:*
First Line Of Your Address:*
Your Postcode:*

The lender will want to know if the property is a Semi detached freehold house or a Leasehold flat with share of freehold and if the resident is an Owner Occupier.

How much is it common to release from a home

60% interest-only lifetime mortgages Aegon
60% LTV interest-only lifetime mortgages Sunlife Plans
35% loan to value (LTV) lumpsum lifetime mortgages Prudential Lifetime
55% loan to value lump sum lifetime mortgages Equifinance
55% loan to value monthly payment equity release Aviva
30% LTV interest-only lifetime mortgages United Trust Bank
45% loan to value interest-only lifetime mortgages Optimum Credit
25% LTV lump sum lifetime mortgages Precise Mortgages

Drawbacks of Home Reversion Plans

Lifetime mortgage with flexible drawdown cash release can reduce the value of your estate. Home reversion schemes may impact entitlements to state benefits. You may need to pay a solicitor’s fee and some products expose you to changes in interest rates.

Areas where equity release is routine

Havant
Winterton
Penistone
Steyning
Middlewich
Northfleet
Totnes
Easingwold
Orford
Workington
Needham Market
Dunstable
Bebington

Its usual to find people looking for monthly payment life time mortgage, lump sum life time mortgages or home reversion schemes, however, More2Life like VitalityLife Equity Release are keen to see paperwork to show your circumstances in the form of bank statements.

Examples of retired business owners likely to have equity to release

Activities of distribution holding companies West Mersea
Renting and leasing of air passenger transport equipment Ellesmere
Market research and public opinion polling Ivybridge
Repair of footwear and leather goods Preesall
Public houses and bars Sheringham
Wholesale of electronic and telecommunications equipment and parts Finchley
Painting Worthing
Manufacture of machinery for mining Stone
Post-harvest crop activities Manningtree
Manufacture of fibre optic cables Hornsey
Travel agency activities Folkestone
Operation of historical sites and buildings and similar visitor attractions Wellington
Trade of gas through mains Whitnash
Hotels and similar accommodation Bewdley
Wholesale of fruit and vegetable juices, mineral water and soft drinks Wendover
Wholesale of machinery for the textile industry and of sewing and knitting machines Corbridge
Real estate agencies Chatham
Treatment and disposal of non-hazardous waste Hendon
Wholesale of mining, construction and civil engineering machinery Shanklin
Activities of conference organisers Westbury
Retail sale via mail order houses or via Internet Kirkby Stephen
Other transportation support activities Southport
Wholesale of other office machinery and equipment Dawlish
Environmental consulting activities Dartford
Construction of utility projects for fluids Atherstone
Manufacture of synthetic rubber in primary forms Wantage
Dispensing chemist in specialised stores Rothwell
Manufacture of central heating radiators and boilers St Austell
Repair of machinery Glossop
Publishing of computer games Faringdon
Agents specialized in the sale of other particular products Torquay
Wholesale of coffee, tea, cocoa and spices Batley
Wholesale of hardware, plumbing and heating equipment and supplies Lechlade

More2Life Capital Choice Plan
Lloyds Bank Equity Release Schemes
Bridgewater Equity Release Plans
Canada Life Equity Release Schemes
Hodge Indexed Lifetime Mortgage
Just retirement equity release key features
Liverpool Victoria LV Equity Release
Lloyds Bank Equity Release Schemes
Royal Bank of Scotland Interest Only Lifetime Mortgage
Canada Life Voluntary Select Gold
L&G Legal & General Flexible Max Scheme
Liverpool Victoria LV= Lump Sum Plus Lifetime Mortgage
Pure Retirement Lifetime Mortgage
TSB Equity Release Schemes
Age Partnership Equity Release Schemes
Liverpool Victoria LV Equity Release
Stonehaven Equity Release
Lloyds Bank Equity Release Schemes
NatWest Equity Release

Equity Release UK Lenders

Just Retirement
Saga
Key Retirement

Equity Release LTV

The older you are and the unhealthier you are the more cash you can release.

Hard to mortgage property types include properties where proposed building works have not yet commenced, entirely tenanted properties, freehold houses and bungalows (England, Wales, Northern Ireland), properties with unregistered titles subject to these being registered as part of the legal process and properties with owned solar panels.

Does Adam and Company offer mortgages up to 85?

Yes, Adam and Company do mortgages up to 85 at 2% APRC. Adam and Company mortgages up to 85 can have a LTV of 55%.

Do Adam and Company offer later life lending to Under 55?

Yes, Adam and Company later life lending Under 55 is 1.98% APR.

Does Adam and Company offer mortgages over 70?

Yes, Adam and Company mortgages over 70 are 2.1% APR.

Do Adam and Company offer mortgages over 75?

Yes, Adam and Company mortgages over 75 are 1.81% APRC.

Does Adam and Company offer later life lending?

Yes, Adam and Company later life lending is 2.04% APRC.

What are the current Adam and Company interest rates for retirement mortgages?

Adam and Company rates for retirement mortgages are 2.07% APRC.

Do Adam and Company have favourable reviews for pensioner mortgages?

Yes, Adam and Company reviews are splendid for pensioner mortgages.

Does the Adam and Company rio mortgage calculator show the LTV?

Yes, the Adam and Company RIO mortgage calculator shows a favourable LTV of 65%.

Does a Adam and Company retirement interest only mortgage advisor charge a large fee?

No, Adam and Company retirement interest only mortgage advisors are free.

Do Adam and Company do mortgages over 60?

Yes, Adam and Company mortgages over 60 are 2.15% MER.

Do Adam and Company do mortgages over 55?

Yes, Adam and Company mortgages over 55 are 2.06% APR.

Many of the most appealing pensioner finance products include TSB interest only mortgages for over 60s, HSBC later life mortgages, Halifax later life interest only mortgages, L&G interest only retirement mortgages for over 70s and Nationwide Building Society mortgages for over 50 year olds.

Hard to mortgage home variants can include properties with post 1945 asbestos or similar composition roof tiles , properties with any externally applied insulation to the walls after construction, properties with minimum floor area of 30 square metres, privately developed flats in blocks of two storeys without a lift and basement or lower ground floor flats without level access to private or communal garden space.

Common loan to value ratios of Lloyds lifetime mortgages for over 60s, Barclays Bank over 60 lifetime mortgages, Halifax interest only mortgages for over 60s, Legal and General pensioner mortgages over 70s, Bank of Scotland mortgages for people over 50 and Nationwide BS pensioner mortgages over 70s are 50%, 60% and 70%.

Challenging to finance property variants can include grade ll Listed houses (grade C in Scotland and B2 in Northern Ireland), properties with a large number/scale of outbuildings, properties with more than one annexe or self-contained part of the property, properties that have solar farms or a large number of wind turbines on the land and properties that have a private water supply provided a contract is in place with an approved maintenance company for regular testing and maintenance.

Tough to finance property titles can include rentcharges properties with a high estate rentcharge, properties close to mining works, areas of landfill, areas of recent flooding or subsidence, derelict property or where part of the building is in severe disrepair and needs demolishing, asbestos construction and properties that has never been registered with the land registry.

Equity release loan to value?

You can release 60% of your home’s valuation. For example, if your home is valued at £360,000 you can get £216,000.