Lifetime Mortgage Age 51

Retirement Mortgage Age 51

  • Release equity from your house
  • No regular monthly repayments
  • Use the money to buy another property
  • Are you still paying a mortgage? No problems
  • Stay living in your own property for as long as you like
  • Can be used to help tax planning
  • Lender not affected by covid 19-coronavirus
  • No lenders fees

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

pensioner mortgages
retirement mortgage
pensioner mortgage
retirement mortgages

  • Free No Obligation Quote

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

Over 65
pensioner mortgages interest only
pensioner mortgage

It is often found to encounter individuals seeking out interest-only lifetime mortgages, monthly payment life time mortgage or home reversion plans, however, the Telegraph like VitalityLife Equity Release are keen to see proof of your personal circumstances in the form of investment statements.

Disadvantages of Lifetime Mortgages

Home reversion schemes can reduce the inheritance for your family. Home reversion schemes may impact ability to get state benefits. You may need to pay a valuation fee and some products expose you to changes in interest rates.

What percentage can be released?

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

The lender will want to know if the property is a Detached freehold house or a Leasehold flat and if the resident is an Assured shorthold tenancy tenant.

What percentage can be released?

  • 50% interest-only lifetime mortgages Old Mutual Wealth
  • 60% loan to value monthly payment life time mortgage Key Retirement
  • 30% LTV lump sum lifetime mortgages Saffron Building Society
  • 55% loan to value home reversion plans Key Retirement
  • 45% loan to value (LTV) monthly payment life time mortgage Prudential Lifetime
  • 50% LTV lump sum lifetime mortgages Norton Finance
  • 30% loan to value monthly payment life time mortgage Landbay


Areas where Lifetime Mortgages are routine

  • Watlington
  • Withernsea
  • Brampton
  • Coalville
  • Coulsdon
  • Cullompton
  • Leiston
  • Gillingham
  • Blandford Forum
  • Lytham St Annes
  • Ferndown
  • Scunthorpe
  • Finchley

Difficult to mortgage property types include properties where proposed building works have not yet commenced, entirely tenanted properties, leasehold properties where the lease length is currently unacceptable, properties where the customer is offering only part of the title as security for the loan and properties where the borrower(s) own the freehold with any connected party .

Some of the most popular pensioner loan products include Lloyds later life interest only mortgages over 60, Barclays Bank later life interest only mortgages over 70, NatWest interest only lifetime mortgages, L&G interest only mortgages for over 60s near London and Nationwide BS lifetime mortgages.

Difficult to mortgage home types can include eco houses and modern methods of construction, properties with pre 1945 asbestos or similar composition roof tiles, large concrete panel systems, privately developed flats in blocks of two storeys without a lift and properties where the flat is accessed via a deck or balcony.

Popular loan to value percentage ratios of TSB interest only mortgages for over 60s, HSBC interest only retirement mortgages for over 70s, NatWest interest only retirement mortgages for over 70s, Legal & General interest only lifetime mortgages for over 70s, Bank of Scotland retirement mortgages over 60 and Nationwide Building Society interest only retirement mortgages for over 70s are 45%, 55% and 70%.

Tough to finance property titles include properties built or converted into dwellings more than 10 years ago, properties with a single annexe or other self-contained part of the property, use of the land and any outbuildings for a small amount of personal commercial use., properties that are being used for personal commercial use and properties which have been built on a previously contaminated land are acceptable provided the result of an environmental search determines the land to be clear of contamination.

Tough to finance home variants can include properties with a sinking fund of 7% or more of the property sale price when the property is sold, properties close to mining works, areas of landfill, areas of recent flooding or subsidence, derelict property or where part of the building is in severe disrepair and needs demolishing, cob property and properties that has never been registered with the land registry.

How much money can I borrow?

You can release 65% of your property’s value. For example, if your house is valued at £220,000 you can get £143,000.

Equity Loan For Tenants In Common UK

Examples of retired small business owners likely to have equity to release

  • Manufacture of workwear Stocksbridge
  • Mining of chemical and fertilizer minerals Bolsover
  • Tax consultancy Great Yarmouth
  • Manufacture of compressors Nailsworth
  • Wholesale of watches and jewellery Callington
  • Activities of religious organizations Neston
  • Motion picture, video and television programme post-production activities Watford
  • Renting and leasing of media entertainment equipment Medlar-with-Wesham
  • Liquid milk and cream production Earley
  • Market research and public opinion polling Lostwithiel
  • Wholesale of grain, unmanufactured tobacco, seeds and animal feeds Royal Tunbridge Wells
  • Photocopying, document preparation and other specialised office support activities Chipping Norton
  • Non-specialised wholesale trade Barrow-in-Furness
  • Dispensing chemist in specialised stores Warminster
  • Manufacture of sugar confectionery Dorchester
  • Manufacture of bodies coachwork for motor vehicles except caravans St Ives
  • Security dealing on own account Elland
  • Construction of commercial buildings Shepshed
  • Social work activities without accommodation for the elderly and disabled Worthing
  • Manufacture of other technical and industrial textiles Chorleywood
  • Renting and leasing of office machinery and equipment including computers Great Dunmow
  • Combined facilities support activities Hounslow
  • Financial management Altrincham

Canada Life Retirement Mortgages

Crown Drawdown Lifetime Mortgages

Just Drawdown Lifetime Mortgages

LV Mortgages

Remortgage For Tenants In Common for 2023

Legal & General - Flexible Pink

Canada Life - Lifestyle Gold

More2Life - Flexi Choice Super Lite

Pure Retirement - Classic Super Lite Plan

Canada Life Home Finance lifetime mortgage for properties in Scotland

Pure Retirement Ltd lifetime mortgage

Equity Release Lenders

  • More2Life
  • Saga
  • Key Retirement


  • Aviva Flexible Voluntary Repayment Plan
  • Hodge Equity Release Schemes
  • Just retirement defined benefit
  • Nationwide Interest Only Lifetime Mortgage
  • Lloyds Bank Equity Release Schemes
  • Saga home reversion schemes
  • Liverpool Victoria LV Equity Release Schemes
  • More to Life Flexi Choice Voluntary Payment Super Lite
  • Nationwide Equity Release Plans
  • HSBC Equity Release
  • TSB Equity Release
  • Royal Bank of Scotland Lifetime Mortgage
  • Saga home reversion plan
  • More2Life Capital Choice Plan
  • Hodge Equity Release Plans
  • L&G Legal & General Flexible Max Scheme
  • NatWest Interest Only Lifetime Mortgage
  • Aviva Lifestyle Flexible Option
  • Bridgewater Equity Release Plans
  • Liverpool Victoria LV Equity Release Schemes
  • Nationwide Equity Release
  • NatWest Equity Release Schemes
  • Royal Bank of Scotland Equity Release