Lifetime Mortgage Age 54

Retirement Mortgage Age 54
  • Release equity from your property.
  • No need to make regular monthly payments
  • Help your family with the cash you release
  • Are you still paying a mortgage? No problems
  • It could be a vehicle to reduce tax bills.
  • No lender fees are added on
  • All parts of the UK are acceptable, including Northern Ireland.
  • 4.71%

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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  • Please enter a number from 6000 to 2000000.

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Not interested in equity release? Do you just want a conventional mortgage at 3.97% regardless of your age please Click Here

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  • Please enter a number from 10000 to 2000000.

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Interest Only Mortgage Parity Trust for 2025

The 1st and 2nd charge lender will want to know if the property is a semi-detached freehold house or a Leasehold house and if the resident is an AST Tenant.

Legal & General - Premier Flexible Black
More2Life - Flexi Choice Lite
Canada Life - Lifestyle Lite
more 2 life lifetime mortgage
Legal & General - Flexible Indigo
OneFamily joint lifetime mortgage

Small business owners detail likely with equity to release from their homes

  • Manufacture of wooden containers Berkhamsted
  • Cargo handling for land transport activities Alford
  • Other passenger land transport Dinnington St Johns
  • Casting of steel Shifnal
  • Site preparation Kirkby Lonsdale
  • Other residential care activities n e c Stanhope
  • Freight transport by road Shepton Mallet
  • Extraction of natural gas Haslingden
  • Wholesale of wood, construction materials and sanitary equipment Thornbury
  • Manufacture of kitchen furniture Southwold
  • Manufacture of cement Queenborough-in-Sheppey
  • Binding and related services Epsom and Ewell
  • Manufacture of articles of fur Buckingham
  • Activities of construction holding companies Blackburn
  • Business and domestic software development Slough
  • Another retail sale in non-specialised stores in Thirsk
  • Other business support service activities n e c Stocksbridge
  • Manufacture of canvas goods, sacks, etc. Brading
  • Manufacture of perfumes and toilet preparations Warrington
  • Raising of horses and other equines Cramlington
  • Other information technology service activities South Molton
  • Manufacture of mortars Haverhill
  • Temporary employment agency activities Westhoughton
  • Wholesale of metals and metal ores Edenbridge
  • Manufacture of lifting and handling equipment Barrow-in-Furness

It’s often found to find individuals seeking out lump sum lifetime mortgages, lump sum life time mortgages or home reversion schemes, however, Sunlife Plans like VitalityLife Equity Release are keen to see proof of your situation in the form of bank statements.

Equity Release Providers

  • Key Retirement
  • Santander
  • Lifetime Mortgage from L&G
  • Legal & General
Remortgage Age 46 for 2025

Drawbacks of Interest Only Lifetime Mortgages

Monthly payment life time mortgage can reduce your estate value. Interest-only lifetime mortgages may impact entitlements to 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?

  • 50% monthly payment life time mortgage The Exeter Equity Release
  • 44.22% loan to value (LTV) monthly payment life time mortgage Shawbrook
  • 30% loan to value home reversion schemes Agricultural Land Mortgage UK

Difficult-to-mortgage property types can include properties in the course of construction or pre-construction, age-restricted properties, freehold/freehold properties (including flats) in Scotland, properties with unregistered titles subject to these being registered as part of the legal process and properties with single-skin brickwork.

Appealing retirement mortgage products are Lloyds lifetime mortgages, HSBC mortgages for people over 50, NatWest interest-only retirement mortgages for those over 70s, Legal and General later life interest-only mortgages for those over 70, and Nationwide Building Society mortgages for 60 plus.

Complex to-finance home types include Timber-framed properties constructed post-1965, properties with any externally applied insulation to the walls after construction, steel frame/clad properties built before 1990, freehold/freehold flats (Scotland only) and basement or lower ground floor flats with level access to private or communal garden space.

Some of the most common loan-to-value percentages of Lloyds help to buy for over the 60s, Barclays pensioner mortgages over 60, Halifax lifetime mortgages for people over 55, Legal and General over 60-lifetime mortgages no fees, Royal Bank of Scotland interest-only mortgages for people over 60 and Nationwide BS mortgages for over 70s are 50%, 60% and 64.22%.

Challenging to mortgage home variants include properties with outbuildings used for everyday domestic purposes (garage, workshop, stables, barn etc), 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 using rooms, land or outbuildings for business purposes which are not personal to the borrower(s) or which extend to more than 50% of the property to be secured and properties adversely affected by existing or proposed issues including roads, rail, airports, power plants, power lines/pylons, wind turbines, sub stations, sewage works, quarries, fuel stations, refuse sites, sports grounds, noise, light or environmental pollution.

Challenging to finance home titles include properties with legal agreements such as Overage, Clawback, Option, Pre-emption, or any onerous Restrictive Covenant, properties close to mining works, areas of landfill, areas of recent flooding or subsidence, properties of non-standard construction, corrugated iron construction and properties that has never been registered with the land registry.

How much cash can I release?

You can achieve 60% of your home’s value. As an example, if your house is worth £190,000 you can get £123,000.

Equity Release LTV Percentages

The more aged you are and the the more illnesses you have you are the more tax free money you can release.

  • More 2 Life Flexi Choice Voluntary Payment Super Lite
  • Just Retirement Interest Only Lifetime Mortgage
  • L&G Legal & General Flexible Plus Lifetime Mortgage
  • Liverpool Victoria LV= Flexible Lifetime Mortgage
  • Pure Retirement Classic Voluntary Payment Super Lite
  • Stonehaven Lifetime Mortgage
  • Lloyds Bank Equity Release Schemes
  • More2Life Capital Choice Plus Plan
  • Hodge Indexed Lifetime Mortgage
  • L&G Legal & General Premier Flexible Lifetime Mortgage
  • Stonehaven Equity Release Plan
  • TSB Equity Release Schemes
  • Age Partnership Interest Only Lifetime Mortgage
  • More2Life Tailored Choice Plan
  • Hodge Lifetime Flexible Drawdown Plan
  • L&G Legal & General Flexible Max Scheme
  • Liverpool Victoria LV= Lump Sum Plus Lifetime Mortgage
  • Pure Retirement Drawdown Plan
  • Nationwide Equity Release Schemes
  • NatWest Interest Only Lifetime Mortgage
  • Age Partnership Equity Release Plans
  • Bridgewater Lifetime Mortgage
  • Hodge Equity Release Plans
  • Just retirement-defined benefit
  • More2Life Flexi Choice Drawdown Lite Plan
  • NatWest Equity Release

Areas of the UK where equity release is common

  • Aldeburgh
  • Braintree
  • Sandhurst
  • Newport
  • Irthlingborough
  • Kendal
  • Burton upon Trent
  • Camborne
  • Sheringham
  • East Cowes
  • Filton
  • Eye
  • Witney
  • Aldershot
  • Newbiggin-by-the-Sea
  • Bungay
  • Tow Law
  • Bromsgrove

More2Life

Hodge Lifetime Drawdown Lifetime Mortgages

Pure Retirement Drawdown Lifetime Mortgages