Release cash from your house.
No regular monthly payments
Are you still paying a mortgage? That’s fine. We can help
Often used to help with tax planning.
4.52% Fixed Equity Release
No lender fees are charged
All areas of the UK are acceptable.

If you don’t want a lifetime mortgage or equity release and want a standard interest-only 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 interest-only mortgage at 3.97%, regardless of 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:*

Equity Release LTV

60% home reversion plans in Zurich
24.22% loan to value lifetime mortgage with flexible drawdown cash release United Trust Bank

Retirement Mortgage Annexe Homes for 2025

Retirement Mortgage Tyne & Wear Newcastle UK

RIO Holmesdale Building Society for 2025

RIO Property With Historic Restrictive Ties UK

Bad Credit Mortgages For Self Build for 2025

Remortgage Bad Credit Pensioners Over 65 for 2025

The mortgage lender will want to know if the property is a Freehold house or a Leasehold flat with a share of freehold and if the resident is a Private Tenant.

Equity Loan Age Restricted Properties for 2025

Interest Only Mortgage Property With Lodgers Tenancy Agreement UK

LV Retirement Mortgages

Retirement Mortgage Greater Manchester for 2025

People often find themselves looking for home reversion schemes, lump sum lifetime mortgages, or home reversion plans. However, Key Solutions like VitalityLife Equity Release are keen to see proof of your personal situation in the form of pension statements.

Drawbacks of Home Reversion Plans

Lump sum lifetime mortgages can reduce your estate value. Lump sum lifetime mortgages may impact entitlements to state benefits. You may need to pay a valuation fee and you could have higher rates to pay with some schemes.

Refinance Second Homes And Buy To Let Properties Btl in 2025

Providers for Equity Release

Legal and General
Prudential
Bower

Remortgage Bad Credit Retirement Advantage UK

Pensioner Mortgage Aviva

Pure Retirement Ltd joint lifetime mortgage

Does Aviva do mortgages up to 85?

Yes, Aviva offers mortgages up to 85 at 2.18% APRC. These mortgages have a loan-to-value ratio of 60%.

Does Aviva do later-life lending to those Under 55?

Yes, Aviva later life lending Under 55 is 1.91% MER.

Does Aviva offer mortgages over 70?

Yes, Aviva mortgages over 70 are 1.97% APRC.

Does Aviva do mortgages over 75?

Yes, Aviva mortgages over 75 are 2.14.22% MER.

Does Aviva offer later-life lending?

Yes, Aviva’s later life lending is 2.22% APRC.

What are Aviva’s interest rates for retirement mortgages?

Aviva rates for retirement mortgages are 1.88% APRC.

Does Aviva have excellent reviews for pensioner mortgages?

Yes, Aviva reviews are commendable for pensioner mortgages.

Does the Aviva Rio mortgage calculator show the loan to value?

Yes, the Aviva RIO mortgage calculator shows an excellent loan to value of 74.22%.

Does an Aviva retirement interest-only mortgage advisor charge a significant fee?

No, Aviva retirement interest-only mortgage advisors are free.

Does Aviva offer mortgages over 60?

Yes, Aviva mortgages over 60 are 2.03% APR.

Does Aviva offer mortgages over 55?

Yes, Aviva mortgages over 55 are 2.2% APR.

Areas where Lifetime Mortgages are popular

Highbridge
Kimberley
Bridlington
Aldershot
Margate
Ashton-under-Lyne
Shanklin
Stratford-upon-Avon
Royston
Keswick
Southwold
Fordbridge
Dovercourt
Broughton-in-Furness
Abingdon-on-Thames
Spilsby
Eastwood

How much is it expected to release from a home

The older you are and the unhealthier you are, the more cash you can release.

Interest Only Lifetime Mortgages External Walls Built Entirely Of Single Skin Brickwork for 2025

Cargo handling for air transport activities Reading
Renting and leasing of freight water transport equipment Knaresborough
Post-secondary non-tertiary education Meltham
Renting and leasing of other machinery, equipment and tangible goods n e c Ludlow
Manufacture of paper stationery Stapleford
Non-specialised wholesale of food, beverages and tobacco Oakengates
Portrait photographic activities Burton Latimer
Artistic creation Fairford
Manufacture of plaster products for construction purposes Southwick
Manufacture of paper and paperboard Brighouse
Factoring Stow-on-the-Wold
Other social work activities without accommodation n e c Gosport
Other information technology service activities March
Building of pleasure and sporting boats Whitnash
Credit granting by non-deposit-taking finance houses and other specialist consumer credit grantors Bushey
Manufacture of jewellery and related articles Darwen
Retail sale of telecommunications equipment other than mobile telephones Orford
Public order and safety activities Woodstock
Manufacture of professional and arcade games and toys Southwold
Wholesale of hardware, plumbing and heating equipment and supplies Chickerell
Retail sale of leather goods in specialised stores in Southport
General cleaning of buildings Finchley
Wholesale of wine, beer, spirits and other alcoholic beverages. Wantage
Manufacture of bicycles and invalid carriages Market Drayton
Library activities Blandford Forum
Repair of fabricated metal products Dunstable
Manufacture of other fabricated metal products n e c St Helens
Collection of non-hazardous waste Syston
Scheduled passenger air transport Quedgeley
Manufacture of cement Sturminster Newton

Bridgewater Equity Release Plans
Canada Life Lifestyle Lite Flexi
Just Retirement Equity Release Plans
More2Life Tailored Choice Plan
Stonehaven Equity Release Plan
Liverpool Victoria LV Equity Release Plans
More to Life Flexi Choice Drawdown Lite Plan
Nationwide Equity Release Plans
More 2 Life Capital Choice Plus Plan
Liverpool Victoria LV Equity Release Schemes
Pure Retirement Equity Release
HSBC Equity Release
Royal Bank of Scotland Equity Release
Saga Lifetime Mortgage
Aviva Equity Release Schemes
Canada Life Lifestyle Gold Flexi
Royal Bank of Scotland Equity Release Plans
Saga home reversion schemes

Retirement Mortgage Keystone Property Finance for 2025

Interest Only Lifetime Mortgages Lendinvest UK

RIO Shared Ownership Or Council Shared Equity for 2025

Retirement Mortgage Investec Bank in 2025

Equity Loan Bank Of Ireland Mortgages UK

Interest Only Lifetime Mortgages Aviva

Retirement Mortgage Beverley Building Society in 2025

Hard-to-mortgage home variants can include poorly maintained properties at the time of the valuation inspection, properties with a letting arrangement where the tenancy agreement is not appropriate, right–to–buy properties in Scotland, leasehold properties (with the exception of flats and maisonettes), and properties with owned solar panels.

Common pensioner loan products include Lloyds Bank later life borrowing schemes, Barclays interest-only mortgages for over 65-year-olds, Halifax mortgages for over 70s, Legal and General later life interest-only mortgages for over 60, and Nationwide Building Society lifetime mortgages.

Difficult-to-mortgage home types can include properties with post-1945 asbestos or similar composition roof tiles, properties with single skin brickwork where the single skin comprises more than 20% of the surface area of the external walls, studio flats located within the M25, freehold/feuhold flats (Scotland only) and freehold flats (England, Wales, Northern Ireland).

Popular loan-to-value percentage ratios of TSB interest-only mortgages for over 70, Barclays Bank retirement mortgages over 65, Halifax mortgages over 70, L&G retirement mortgages over 65, Bank of Scotland lifetime mortgages for over 55s and Nationwide BS interest-only mortgages for over 65-year-old are 44.22%, 54.22% and 64.22%.

Tough-to-finance home titles can include flats of less than 30 square metres in any location, properties with room(s) or outbuilding(s) used for a small amount of personal commercial use, properties with a small number of solar panels or a wind turbine on the land for domestic use, 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, sub stations, sewage works, quarries, fuel stations, refuse sites, sports grounds, noise, light or environmental pollution.

Challenging to mortgage property titles include properties built on contaminated land, leasehold properties with a short lease, typically less than 70 years, or a defective lease, properties with boundary disputes or where planning applications have not been applied correctly, asbestos construction and concrete panel houses.

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