Release-tax free equity from your house
No monthly repayments
Use the money for home improvements
Continue to live in your own home for as long as you like
It could be used to help tax planning
No broker fee
All parts of the UK are acceptable

If you don’t want a lifetime mortgage or equity release and just 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:*
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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

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:*

Hodge Lifetime - Flexible Repayment Plan - NO Early Repayment Charges

Equity Release percentages of your current property value

The more elderly you are and the sicker you are the more tax free money you can release.

Towns where Lifetime Mortgages are routine

Hoddesdon
Chingford
Dewsbury
Budleigh Salterton
Aylesbury
Andover
Woking
Shirebrook
Bungay
Great Dunmow

Prescot
Partington

It’s usual to encounter people seeking out monthly payment lifetime mortgage, monthly payment lifetime mortgage or home reversion schemes, however, the Telegraph like The Exeter Equity Release are keen to see evidence of your circumstances in the form of pension statements.

Refinance Barnsley Building Society for 2025

Retirement Mortgage Kent Reliance in 2025

Hodge Equity Release Plans
More2Life Capital Choice Plan
Nationwide Equity Release Plans
NatWest Interest Only Lifetime Mortgage
More to Life Flexi Choice Voluntary Payment Super Lite
Aviva Lifetime Mortgages
More to Life Capital Choice Plan
Nationwide Equity Release
NatWest Interest Only Lifetime Mortgage
Bridgewater Equity Release
Stonehaven Interest Only Lifetime Mortgage
Saga home reversion schemes
Aviva Lifetime Mortgage
Bridgewater Equity Release Schemes
Canada Life Lifetime Mortgage
Just Retirement Equity Release Schemes
Nationwide Equity Release Schemes
Age Partnership Lifetime Mortgage

Crown Drawdown Lifetime Mortgages

One Family Mortgages

Pure Retirement Retirement Mortgages

Just Drawdown Lifetime Mortgages

LV Drawdown Lifetime Mortgages

UK Equity Release Scheme Lenders

Legal and General
Santander
Just Retirement

Retired business owners that may be interested in Home Reversion Schemes

Wholesale of agricultural machinery, equipment and supplies in Windsor
Manufacture of other rubber products Nailsea
Furnace and chimney cleaning services Lynton & Lynmouth
Dismantling of wrecks Framlingham
Temporary employment agency activities Wetherby
Raising of swine pigs Epworth
Archives activities Burnham-on-Crouch
Retail sale of clothing in specialised stores Chard
Renting and leasing of freight water transport equipment Wellingborough
Growing of fibre crops Bushey
Non-specialised wholesale of food, beverages and tobacco St Columb Major
Defence activities Southborough
Retail sale of music and video recordings in specialised stores in West Ham
Manufacture of condiments and seasonings Bury St Edmunds
Growing of tobacco Whitby
Raising of sheep and goats Alsager
Other specialised construction activities n e c Swanscombe and Greenhithe
Manufacture of industrial gases Margate
Manufacture of other tanks, reservoirs and containers of metal Kingsteignton
Investigation activities Whitehaven
The weaving of textiles Epsom and Ewell
Retail sale of textiles in specialised stores Peacehaven
Aluminium production Plympton

Difficult to mortgage property variants include homes requiring essential repairs, entirely tenanted properties, right to buy – properties in Scotland, commonhold properties and properties with owned solar panels.

Popular pensioner finance products include TSB retirement mortgages, HSBC equity release schemes, NatWest interest only lifetime mortgages, Legal and General equity release plans and Nationwide Building Society later life interest only mortgages over 60.

Hard-to-mortgage property variants 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 flats above or adjacent to commercial premises.

Typical loan to values of Lloyds equity release schemes for people over 70, Barclays remortgages for people over 50 years old, NatWest mortgages for pensioners over 60, Legal and General mortgages for 60 plus, Bank of Scotland mortgages for over 70s and Nationwide BS retirement mortgages over 60 are 44.22%, 60% and 64.22%.

Challenging to finance home titles can include grade ll Listed houses (grade C in Scotland and B2 in Northern Ireland), properties with flying or creeping freehold which comprises 14.22% or less of the total floor area, properties without direct access to an adopted highway or which are accessed over an unmade road, properties that are being used for personal commercial use and properties adversely affected by existing or proposed issues including roads, rail, airports, power plants, power lines/pylons, wind turbines, substations, sewage works, quarries, fuel stations, refuse sites, sports grounds, noise, light or environmental pollution.

Challenging to mortgage home titles include properties built on contaminated land, leasehold properties with a short lease, typically less than 70 years, or a defective lease, property is uninhabitable, timber buildings and Airey, Boot, Cornish Unit, Dorran, Dyke, Gregory, Hamish Cross, Myton, Newland, Orlit and Parkinson Frame.

How much money can I release?

You can get 60% of your home’s value. For example, if your home is worth £290,000 you can release £203,000.

Equity Release LTV

50% interest-only lifetime mortgages Legal & General
60% loan to value (LTV) home reversion schemes Aviva
40% loan to value home reversion schemes Step Change
24.22% loan to value lumpsum lifetime mortgages Shawbrook
30% loan to value monthly payment equity release Manchester Building Society
24.22% loan to value lifetime mortgage with flexible drawdown cash release Spring Finance

Disadvantages of Equity Release Schemes

Lifetime mortgage with flexible drawdown cash release can reduce your estate value. Monthly payment equity release may impact ability to get state benefits. You may need to pay a broker’s fee, and you could have higher rates to pay with some schemes.

The 1st and 2nd charge lenders will want to know if the property is a Freehold house or a Leasehold flat and if the resident is an Assured shorthold tenant.

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