
- Release equity from your house with Equity Release Age 47
- No monthly payments
- Are you still paying a mortgage? That’s fine; we can help.
- Stay living in your property.
- No lender fees
- All UK Postcodes areas are acceptable.
- 4.01% fixed
If you don’t want a lifetime mortgage or equity release and want a regular mortgage at 3.97% regardless of your age, please Click Here
Not interested in equity release? Do you want a conventional mortgage at 3.97%, regardless of your age? Please Click Here









Equity Release Loan To Value
- 60% home reversion plans AA equity release UK
- 60% loan to value home reversion plans Bower UK
- 34.22% loan to value (LTV) lumpsum lifetime mortgages Prudential Lifetime
- 30% loan to value monthly payment lifetime mortgage Evolution Money
- 24.22% loan to value (LTV) lump sum lifetime mortgages Bank of Ireland
- 30% LTV monthly payment lifetime mortgage Clearly Loans
The mortgage lender will want to know if the property is a semi-detached freehold house or a Leasehold flat with a share of freehold and if the resident is an owner-occupier’s Primary Residence.







Crown Drawdown Lifetime Mortgages



Areas of the UK where Lifetime Mortgages are popular
- Bishops Castle
- Stanley
- East Retford
- Newhaven
- Pudsey
- Halstead
- Wimborne Minster
- Cowes
- Wragby
- Clitheroe
- Syston
- Bishop Auckland
- Swanage
- Chipping Campden
- Buckingham
- Ossett
- Stourport-on-Severn
- Chudleigh
- Ottery St Mary
- Burton upon Trent
- Ollerton and Boughton
Examples of retired small business owners likely to have equity to release
- Binding and related services Warrington
- Manufacture of electronic measuring, testing, etc equipment, not for industrial process control Alton
- News agency activities St Ives
- Retail sale by opticians South Elmsall
- Event catering activities Aldershot
- Public houses and bars Leigh
- Machining Ashby-de-la-Zouch
- Manufacture of builders ware of plastic Driffield
- Mining of chemical and fertilizer minerals Eccleshall
- Video production activities Southsea
- Manufacture of other machine tools Middlewich
- Manufacture of central heating radiators and boilers Birchwood
- Repair of furniture and home furnishings in Tottenham
- Life reinsurance Ledbury
- Manufacture of trailers and semi-trailers Sandbach
- Retail sale of antiques, including antique books, in stores in Wimbledon
- Manufacture of military fighting vehicles Havant
- Painting Stotfold
- Extraction of salt Denholme
- Manufacture of caravans Tickhill
- Manufacture of bread; manufacture of fresh pastry goods and cakes Pocklington
- Retail sales in commercial art galleries in Bridport
- Retail sale of beverages in specialised stores in Stalham
- Operation of warehousing and storage facilities for air transport activities Hawes
- Manufacture of medical and dental instruments and supplies Grange-over-Sands
- Trade of electricity Sutton
- Manufacture of fluid power equipment Chatham
- Manufacture of wooden containers North Tawton
- Publishing of newspapers Erith
It’s widespread to find people seeking out home reversion plans, monthly payment lifetime mortgages or interest-only lifetime mortgages; however, Key Retirement like AIG Life are keen to see paperwork to show your circumstances in the form of bank statements.
Difficult-to-mortgage property types include poorly maintained properties at the time of the valuation inspection, properties with a letting arrangement where the tenancy agreement is not appropriate, freehold houses and bungalows (England, Wales, Northern Ireland), crafted houses, and properties owned under any form of shared equity scheme.
Popular pensioner finance products are Lloyds Bank later life mortgages, Barclays Bank interest-only mortgages for over-60s, Halifax over-60 mortgages, L&G mortgages for 60-plus pensioners, and Nationwide BS interest-only mortgages for over-60s.
Difficult-to-mortgage home types can include complex roof structures, timber-framed properties built between 1920 and 1965, steel frame/clad properties built before 1990, studio flats outside the M25 and properties where the flat is accessed via a deck or balcony.
Some of the most common loan-to-value ratios for Lloyds Bank later life mortgages for those over 70, Barclays Bank later life borrowing schemes over 55, NatWest over 60 lifetime mortgages with no fees, Legal and General retirement interest-only mortgages over 60, Royal Bank of Scotland retirement mortgages with over 60, and Nationwide Building Society equity release schemes for over 55s are 40%, 60%, and 70%.
Tough-to-mortgage property variants include properties with land in addition to the domestic grounds up to a maximum property size of five acres, where the land is for everyday domestic use, properties with the room(s) or outbuilding(s) used for a small amount of personal, commercial use, properties without direct access to an adopted highway or which are accessed over an unmade road. In these properties, there is a self-contained part of the property or annexe, i.e., basement flat, etc., and properties with mobile phone masts that are within influencing distance of the house.
Tough-to-finance property titles can include properties with legal agreements such as Overage, Clawback, Option, Pre-emption, or any onerous Restrictive Covenant, ground rent where the lease or any deed varying the lease provides for a ground rent exceeding, or where the escalating provisions would result in the ground rent exceeding £250 per annum (or £1000 per annum where the property is in Greater London), some properties with sitting tenants or regulated tenancies, asbestos construction and Reema Hollow panel, Schindler and Hawksley SGS, Stent, Stonecrete, Stour, Tarran, Underdown, Unity and Butterley, Waller, Wates, Wessex, Winget and Woolaway.
How much can I get?
You can release 64.22% of your property’s value. For example, if your home is worth £350,000, you can borrow £210,000.
- Liverpool Victoria LV Equity Release Schemes
- More to Life Flexi Choice Drawdown Lite Plan
- Canada Life Equity Release Schemes
- Hodge Equity Release Schemes
- Just Retirement Equity Release Schemes
- Liverpool Victoria LV Equity Release
- Pure Retirement Lifetime Mortgage
- Nationwide Equity Release Schemes
- Royal Bank of Scotland Equity Release
- Liverpool Victoria LV Equity Release
- More 2 Life Tailored Choice Plan
- Age Partnership Equity Release
- Aviva Flexible Voluntary Repayment Plan
- Bridgewater Equity Release Schemes
- Canada Life Prestige Flexi Option
- Liverpool Victoria LV Equity Release
- Stonehaven Equity Release Plan
- More 2 Life Flexi Choice Voluntary Payment Super Lite






Drawbacks of Home Reversion Schemes
Monthly payment equity release can reduce your estate value. A lifetime mortgage with a flexible drawdown cash release may impact the ability to claim entitlements. You may need to pay a valuation fee and be exposed to changes in interest rates with some products.
UK Equity Release Scheme Lenders
- Key Retirement
- Santander
- Lifetime Mortgage from L&G
- Prudential
- Bad Credit Mortgages Ex Local Authority Flats Or Maisonettes for 2025
- Remortgage Category A & B Listings Scotland Listed in 2025
- Interest Only Mortgage Isle Of Wight And Anglesey for 2025
- Bad Credit Mortgages Accord Mortgages UK
- RIO Iva in 2025
- RIO Bank Of Ireland Mortgages for 2025
- Retirement Mortgage Allied Irish Bank Aib for 2025
- RIO Coutts Finance Co UK
- Equity Loan Ipswich Building Society Mortgages in 2025
- Refinance More To Life UK
- RIO Asbestos in 2025
- RIO Properties Purchased Through A Right To Buy Scheme UK
- Bad Credit Mortgages Halifax for 2025
- Remortgage Bad Credit Keystone Property Finance UK
- Remortgage Bad Credit Housing Association Or Social Housing in 2025
- Equity Loan More Than Two Borrowers in 2025
- Interest Only Lifetime Mortgages Chelsea Building Society for 2025
- Age 50
- RIO Manchester Building Society for 2025
- RIO Darlington Building Society UK
- Refinance Investec Bank UK
- Interest Only Mortgage Hinckley And Rugby Building Society in 2025
- No Broker Fee
- Refinance Intelligent Finance in 2025
- Retirement Mortgage Lendinvest for 2025
- Equity Loan Cob Construction House in 2025
- Remortgage Greater London UK
- Interest Only Lifetime Mortgages Properties Involved In Commercial Farming for 2025
- Home Equity Loan Bristol for 2025
- Refinance Beverley Building Society UK
- Home Equity Loan Furness Building Society UK
- RIO Age 46 in 2025
- Bad Credit Mortgages No Early Repayment Charges in 2025
- Retirement Mortgage Onesavings Bank UK
- Pensioner Mortgage Properties With A Steel Frame Bisf for 2025
- Remortgage Mansfield Building Society Interest Rates UK
- Refinance Barnsley Building Society for 2025
- Pensioner Mortgage Foundation Home Loans in 2025
- Bad Credit Mortgages Kensington Mortgage Company for 2025
- Refinance Atom Bank in 2025
- RIO Non-Standard Construction for 2025
- Remortgage Bad Credit Precise Mortgages UK
- Pensioner Mortgage Properties Built Entirely Of Timber Or Timber Frame in 2025
- Remortgage Paragon for 2025
- Bad Credit Mortgages Laing Easiform Homes in 2025
- Pensioner Mortgage ITL Mortgages for 2025
- Refinance Habito for 2025
- Properties Adjacent To Commercial Premises
- Home Equity Loan Harpenden Building Society UK
- Remortgage Hanley Mortgages UK
- Interest Only Mortgage New Street Mortgages for 2025
- RIO No Advisor Fee UK
- Interest Only Mortgage Age 54 in 2025
- Equity Loan Age 45 UK
- RIO Parity Trust for 2025
- Platform
- Interest Only Lifetime Mortgages Properties More Than Five Acres Of Land for 2025
- Interest Only Lifetime Mortgages Clay Lump Construction House for 2025
What percentage can be released?
The older you are and the more serious the illnesses you are, the more cash you can release.