Remove money from your home
No need to make regular monthly payments
Use the cash to pay off loans and credit cards
Still, have a few more mortgage payments to make? No problems
Continue to live in your own home
No lender fees are charged
Clay lump construction homes are acceptable

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

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

Not interested in equity release? Do you 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:*

Lloyds Bank Equity Release
Saga Equity Release Plans
Nationwide Interest Only Lifetime Mortgage
NatWest Equity Release Schemes
Aviva Flexible Voluntary Repayment Plan
Liverpool Victoria LV= Lump Sum Plus Lifetime Mortgage
More2Life Tailored Choice Plan
TSB Equity Release Plans
Royal Bank of Scotland Equity Release Plans
Saga Lifetime Mortgage
More 2 Life Capital Choice Plus Plan

Difficult-to-mortgage property types can include homes requiring essential repairs, properties where tenants live in a self-contained part of the property, 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 leased solar panels.

Popular retirement mortgage products include Lloyds Bank mortgages for people over 65, HSBC mortgages for pensioners, Post Office retirement mortgages, L&G later life interest-only mortgages, and Nationwide BS interest-only mortgages for people over 70.

Difficult-to-mortgage home types include eco houses and modern construction methods, properties with any external treatment applied to the roof after construction, studio flats located within the M25, privately developed flats in blocks of two storeys without a lift, and basement or lower ground-floor flats with level access to private or communal garden space.

Some of the most common LTV ratios of Lloyds equity release schemes for people over 70, Barclays Bank lifetime mortgages for over 55s, NatWest mortgages for 60-year-olds, L&G retirement mortgages over 70, Royal Bank of Scotland mortgages over 70s, and Nationwide Building Society pensioner mortgages over 60 are 44.22%, 60%, and 64.22%.

Challenging to finance property variants can include flats of less than 30 square metres in any location, properties with a large number/scale of outbuildings, properties without direct access to an adopted highway or which are accessed over an unmade road, properties where there is a self-contained part of the property or annexe, i.e., basement flat, etc., and properties in coastal areas that may be affected by erosion.

Challenging mortgage home variants can include properties that will be assessed for flood risk, properties close to mining works, areas of landfill, areas of recent flooding or subsidence, properties of non-standard construction, asbestos construction, and properties missing planning permission or building regulations approval.

How much money can I borrow?

You can release 64.22% of your property’s valuation. For example, if your home is valued at £350,000, you can borrow £245,000.

Pitfalls of Lifetime Mortgages

Monthly payment equity release can reduce your estate value. Interest-only lifetime mortgages may impact entitlements to state benefits. You may need to pay a broker’s fee and could be exposed to changes in interest rates with some products.

Remortgage Properties Purchased Through A Right To Buy Scheme UK

Remortgage Bad Credit In House Under 55 for 2025

Renting of video tapes and disks Burnham-on-Sea
Retail sale of fish, crustaceans and molluscs in specialised stores Elstree and Borehamwood
Manufacture of bodies coachwork for motor vehicles except caravans Whitnash
Other non-ferrous metal production Wallasey
Manufacture of woven or tufted carpets and rugs Ormskirk
Travel agency activities Brentwood
Growing of vegetables and melons, roots and tubers, Corby
Retail sale via mail order houses or Internet Ashby-de-la-Zouch
Printing n e c Woodbridge
Manufacture of condiments and seasonings Waltham Cross
Repair and maintenance of aircraft and spacecraft Sandiacre
Cold drawing of wire Callington
Financial management Todmorden
Striking of coins Blackburn
Manufacture of coke oven products in Halifax
Retail sale via stalls and markets of food, beverages and tobacco products Bacup
Video distribution activities Great Yarmouth
Solicitors Fordwich
Sound recording and music publishing activities Alton
Manufacture of other textiles n e c Chipping Sodbury
Other sports activities Battle
Architectural activities Verwood
Non-scheduled passenger air transport Kempston

Equity Release Loan To Value

54.22% interest-only lifetime mortgages Fortify Insurance Solutions
44.22% LTV interest-only lifetime mortgages Saga
40% LTV home reversion plans Optimum Credit
24.22% LTV monthly payment lifetime mortgage Santander

The lender will want to know if the property is a Freehold house or a Leasehold flat and if the resident is an owner-occupier’s Primary Residence.

Equity Release UK Lenders

Legal and General
Stonehaven
Aviva
LV lifetime mortgage
LV Liverpool Victoria

It is common to encounter people seeking out monthly payment lifetime mortgages, lumpsum lifetime mortgages, or home reversion schemes. However, Key Solutions like AIG Life are keen to see evidence of your circumstances in the form of pension statements.