Lifetime Mortgage Age 45

Retirement Mortgage Age 45

  • Release tax-free equity from your home
  • No monthly payments
  • Help a family member buy their own home with a smaller mortgage
  • Still, have a mortgage? We can help with that
  • Stay living in your own property for as long as you like
  • Mortgage lender not affected by COVID 19-coronavirus crisis
  • No lender fees added on

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

  • Please enter a number from 6000 to 2000000.
  • About You

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

interest only lifetime mortgage
Over 65

  • Free No Obligation Quote

  • Please enter a number from 10000 to 2000000.
  • About You

interest only mortgage rates


Providers for Equity Release

  • the Telegraph
  • LV lifetime mortgage
  • Key Retirement
  • One Family


Areas of the UK where Lifetime Mortgages are popular

  • Wooler
  • Bridgnorth
  • Stainforth
  • Northampton
  • Broadstairs and St Peters
  • Coleshill
  • Reepham
  • Sale
  • Sidmouth
  • Sandy
  • Broseley
  • Partington
  • Normanton
  • Lechlade
  • Earl Shilton
  • Bolsover
  • Spennymoor
  • Maryport
  • Farnborough
  • Guisborough
  • Thorpe St Andrew
  • Long Sutton
  • Walthamstow

Canada Life Equity Release

Hard to mortgage property variants can include properties currently undergoing substantial alterations, extensions or repairs, age restricted properties, feuhold/freehold properties (including flats) in Scotland, crofted houses and properties with owned solar panels.

Some of the most common pensioner loan products include Lloyds later life borrowing schemes, HSBC later life interest only mortgages over 60, Post Office interest only mortgages for over 60s near London, L&G later life borrowing schemes and Nationwide BS interest only mortgages for over 60s.

Hard to finance home variants include timber framed properties built before 1920, properties with spray foam insulation applied to the underside of the roof, studio flats located within the M25, privately developed flats in blocks of five storeys or more and freehold flats (England, Wales, Northern Ireland).

Common LTV ratios of TSB interest only mortgages for people over 60, HSBC mortgages for 60 year olds, NatWest mortgages for pensioners over 60, Legal & General later life borrowing schemes over 55, RBS interest only mortgages for people over 60 and Nationwide mortgages over 65 are 45%, 55% and 65%.

Tough to mortgage property variants include properties built or converted into dwellings within the last 10 years , properties converted from modern commercial premises, properties with more than one annexe or self-contained part of the property, properties with flying or creeping freeholds which comprise over 15% of the total floor area and properties adversely affected by existing or proposed issues including roads, rail, airports, power plants, power lines/pylons, wind turbines, sub stations, sewage works, quarries, fuel stations, refuse sites, sports grounds, noise, light or environmental pollution.

Tough to finance home titles include properties with legal agreements such as Overage, Clawback, Option, Pre-emption, or any onerous Restrictive Covenant, high service charges – properties where the Service Charge per annum at the time of application is more than 2% of the property value, property is uninhabitable, thatched buildings and concrete panel houses.

How much cash can I release?

You can borrow 70% of your property’s value. For example, if your home is valued at £280,000 you can release £182,000.

Hodge Lifetime

Pure Retirement Lifetime Mortgages

Equity Loan Belfast Northern Ireland in 2023

Retirement Mortgage Belfast Northern Ireland in 2023


Downsides of Equity Release Schemes

Home reversion schemes can reduce the value of your estate. Monthly payment lifetime mortgage may impact ability to claim entitlements. You may need to pay a broker’s fee and you could be exposed to changes in interest rates with some products.

  • Saga Lifetime Mortgage
  • Hodge Lifetime Flexible Drawdown Plan
  • Nationwide Interest Only Lifetime Mortgage
  • Lloyds Bank Lifetime Mortgage
  • TSB Lifetime Mortgage
  • Royal Bank of Scotland Equity Release
  • Bridgewater Lifetime Mortgage
  • Hodge Lifetime Mortgage Plus
  • Just Retirement Equity Release Plans
  • L&G Legal & General Flexible Plus Lifetime Mortgage
  • Pure Retirement Lifetime Mortgage
  • HSBC Interest Only Lifetime Mortgage
  • Royal Bank of Scotland Equity Release Plans
  • Saga home reversion plan
  • Age Partnership Interest Only Lifetime Mortgage
  • Royal Bank of Scotland Equity Release


Equity Release Loan To Value

The older you are and the sicker you are the more tax free cash you can release.

It’s common to encounter people looking for lifetime mortgage with flexible drawdown cash release, lumpsum lifetime mortgages or monthly payment equity release, however, More2Life like The Exeter Equity Release are keen to see paperwork to show your personal circumstances in the form of bank statements.

Premier Flexible Black

more 2 life lifetime mortgage

More2Life - Flexi Choice Super Lite

More2Life - Capital Choice Plan

More2Life - Capital Choice Plus Plan

Canada Life Home Finance lifetime mortgage for properties in Scotland

More2Life - Flexi Choice Lite

Small business owners detail likely with equity to release from their homes

  • Child day-care activities Kesgrave
  • Wholesale of live animals Richmond
  • Wholesale of hides, skins and leather Ashburton
  • Casting of light metals Rothbury
  • General medical practice activities Hebden Royd
  • Engineering related scientific and technical consulting activities Wath-upon-Dearne
  • Logging Ossett
  • Wholesale of electronic and telecommunications equipment and parts Frinton and Walton
  • Support activities for crop production Sturminster Newton
  • Manufacture of electric lighting equipment Shirebrook
  • Repair of personal and household goods n e c Leigh-on-Sea
  • Passenger rail transport, interurban Bolton
  • Manufacture of optical precision instruments St Blaise
  • Data processing, hosting and related activities Alfreton
  • Extraction of natural gas Elstree and Borehamwood
  • Specialists medical practice activities Fakenham
  • Reproduction of sound recording Prescot
  • Operation of bus and coach passenger facilities at bus and coach stations Stanley
  • Other activities of employment placement agencies Shanklin
  • Extraction of crude petroleum Knutsford
  • Manufacture of prepared pet foods Broadstairs and St Peters
  • Growing of other tree and bush fruits and nuts Windermere
  • Other building and industrial cleaning activities Towcester
  • Other reservation service activities n e c Downham Market
  • Advertising agencies Madeley
  • Licensed carriers Soham
  • Wholesale of audio tapes, records, CDs and video tapes and the equipment on which these are played Ormskirk
  • Agents specialized in the sale of other particular products Colyton


How much is it common to release from a home

  • 55% lumpsum lifetime mortgages Maximum cover Equity Release
  • 35% LTV home reversion schemes One Family
  • 30% LTV lump sum lifetime mortgages TSB – Intermediaries
  • 45% loan to value home reversion plans Stonehaven Mortgage
  • 55% loan to value (LTV) home reversion plans Equifinance
  • 25% loan to value lifetime mortgage with flexible drawdown cash release Bath Inv and Building Society

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