Help your family to buy another home
Are you still paying a mortgage? That’s fine; we can help.
It could be a vehicle to reduce tax bills.
Freehold flats are acceptable
Equity release for people aged 48

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

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

Retired business owners that may be interested in lifetime mortgages

Manufacture of coke oven products Yarmouth
Retail sale via stalls and markets of other goods Crewkerne
Packaging activities Stourbridge
Tax consultancy Eccles
Wholesale of office furniture Ashford
Renting and leasing of media entertainment equipment Newlyn
Construction of commercial buildings Droitwich Spa
Operation of sports facilities Redruth
Other mining and quarrying n e c Bingley
Activities of political organizations Tiverton
Manufacture of other food products n e c Stow-on-the-Wold
Retail sale via stalls and markets of textiles, clothing and footwear Dewsbury
Manufacture of bicycles and invalid carriages Marlborough
Freshwater aquaculture Bacup
Construction of other civil engineering projects n e c Bradley Stoke
Agents involved in the sale of furniture, household goods, hardware and ironmongery Havant
Other sports activities Fordbridge
Manufacture of jewellery and related articles Frome
Manufacture of beer Wallasey
Freight rail transport Whitehaven
Manufacture of paints, varnishes and similar coatings, mastics and sealants Chingford
Manufacture of machinery for paper and paperboard production Wirksworth
Repair of consumer electronics Bampton
Treatment and disposal of non-hazardous waste Brighouse
Sea and coastal freight water transport Horsham
Security and commodity contracts dealing activities Southwell

Equity Release percentages of your current property value

54.22% monthly payment life time mortgage Aegon
50% loan to value monthly payment equity release Bower
34.22% LTV home reversion schemes One Family
60% loan to value monthly payment lifetime mortgage 1st Stop Home Loans

Interest Only Mortgage Ex Local Authority Flats Or Maisonettes in 2025

The 1st and 2nd charge lender will want to know if the property is a Freehold terraced house or a Leasehold flat and if the resident is an Owner Occupier.

Difficult to finance home types include properties currently undergoing substantial alterations, extensions or repairs, entirely tenanted properties, right to buy – properties in Scotland, properties where the customer is offering only part of the title as security for the loan and properties with single skin brickwork .

Appealing pensioner finance products are Lloyds pensioner mortgages, Barclays interest only lifetime mortgages, NatWest help to buy for over 60s, Legal and General interest only mortgages for people over 60 and Nationwide BS interest only mortgages for people over 60.

Difficult to mortgage property types include eco houses and modern methods of construction, properties with spray foam insulation applied to the underside of the roof, properties with minimum floor area of 30 square metres, studio flats outside the M25 and flats above or adjacent to commercial premises.

Common LTV percentages of Lloyds Bank lifetime mortgages for people over 55, Barclays Bank interest only mortgages for people over 60, Post Office over 60 mortgages, L&G pensioner mortgages over 60, RBS mortgages for over 70s and Nationwide BS mortgages for over 50 year olds are 50%, 60% and 70%.

Challenging to mortgage home titles include properties built or converted into dwellings within the last 10 years , properties with flying or creeping freehold which comprises 14.22% or less of the total floor area, 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 with mobile phone masts which are within influencing distance of the house.

Tough to mortgage home variants include properties built on contaminated land, leasehold properties with a short lease, typically less than 70 years, or a defective lease, some properties with sitting tenants or regulated tenancies, mundic homes and concrete frame.

How much can I borrow?

You can achieve 64.22% of your property’s value. For example, if your house is valued at £280,000 you can get £196,000.

Remortgage Bad Credit Ex Local Authority Flats Or Maisonettes in 2025

Retirement Mortgage Precast Reinforced Concrete Prc Properties for 2025

Areas where retirement mortgages are popular

Middleham
Leyland
Dudley
Dawlish
Dorking
Fordwich
Boston
Halifax
Southgate
Staveley
Ilkley
Hertford
Dulverton
Bradninch
Wednesbury

Pure Retirement Lifetime Mortgages

One Family

More 2 Life Tailored Choice Plan
Bridgewater Equity Release Plans
Hodge Equity Release Plans
L&G Legal & General Flexible Max Plus
Pure Retirement Drawdown Plan
Stonehaven Interest Select Plan
HSBC Lifetime Mortgage
Lloyds Bank Lifetime Mortgage
TSB Equity Release Schemes
Bridgewater Lifetime Mortgage
Canada Life Lifestyle Gold Flexi
L&G Legal & General Flexible Lifetime Mortgage
Stonehaven Interest Select Plan
HSBC Equity Release Schemes
TSB Lifetime Interest Only Mortgage
Aviva Lifetime Mortgages for Pensioners
Hodge Lifetime Mortgage Plus
Just Retirement Equity Release
Stonehaven Lifetime Mortgage
HSBC Lifetime Mortgage
Aviva Lifetime Mortgages

UK Equity Release Providers

Age Partnership
Crown
Age Partnership
LV equity release
Fortify Insurance Solutions

Hodge Lifetime - Lump Sum Lifetime Mortgage

Legal & General - Premier Flexible Black

Disadvantages of Equity Release Plans

Lump sum lifetime mortgages can reduce the value of your estate. Monthly payment equity release may impact entitlements to state benefits. You may need to pay a solicitor’s fee and you could be exposed to changes in interest rates with some products.

It is very regular to discover people searching for lumpsum lifetime mortgages, monthly payment life time mortgage or monthly payment equity release, however, Aviva like Aegon are keen to see paperwork to show your situation in the form of investment statements.

How much is it common to release from a home

The older you are and the the more illnesses you have you are the more money you can release.

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