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

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Please enter a number from 6000 to 2000000.
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Total amount of mortgage/loans you have on your home
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Name*
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Not interested in equity release? Do you want a conventional mortgage at 3.97%, regardless of your age? Please Click Here

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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*
Day
Month
Year
Contact Phone Number:*
Your Email Address:*
First Line Of Your Address:*
Your Postcode:*

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.

Refinance Ex Local Authority Flats Or Maisonettes in 2025

Remortgage Category A & B Listings Scotland Listed in 2025

Home Equity Loan Bank Of Ireland Mortgages in 2025

Remortgage Allied Irish Bank Aib in 2025

Aviva Lifetime Mortgages

Crown Drawdown Lifetime Mortgages

Hodge Lifetime

More2Life Lifetime Mortgages

Just Mortgages

Interest Only Lifetime Mortgages Coutts Finance Co in 2025

Bad Credit Mortgages Ipswich Building Society Mortgages in 2025

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

Canada Life Home Finance lifetime mortgage

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

What percentage can be released?

The older you are and the more serious the illnesses you are, the more cash you can release.

Today's Date: 18 April 2025

Published on: 7 June 2020

Last Updated on: 9 January 2025

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