Lifetime Mortgage Bank Of Ireland Mortgages

Retirement Mortgage Bank Of Ireland Mortgages

  • No monthly repayments
  • Are you still paying a mortgage? That’s fine we can help
  • Stay living in your own house
  • Can be a vehicle to reduce tax bills
  • Mortgage lender no impacted by corona virus-covid19
  • No lenders fee
  • All parts of the UK are acceptable
  • Difficult property types are OK

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

retirement mortgage
pensioner mortgage

  • Free No Obligation Quote

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

Over 65
pensioner mortgages
Home Equity Loan Manchester Building Society for 2024

Pensioner Mortgage Mansfield Bs for 2024

Providers for UK Equity Release

  • Lifetime Mortgage from L&G
  • Pure Retirement
  • Age Concern
  • LV equity release
  • LV Liverpool Victoria

Crown Mortgages


LV Equity Release

Hodge Lifetime - Lump Sum Lifetime Mortgage

Legal & General - Flexible Indigo

Pure Retirement - Classic Super Lite

More2Life - Flexi Choice Super Lite

Legal & General - Flexible Blue

Just lifetime mortgage

More2Life - Tailored Choice Plan

Canada Life - Lifestyle Lite

It’s very regular to discover people looking for home reversion schemes, monthly payment life time mortgage or lifetime mortgage with flexible drawdown cash release, however, Lifetime Mortgage from L&G like AA equity release are keen to see paperwork to show your personal situation in the form of bank statements.

Equity Release percentages of your current property value

  • 55% monthly payment equity release Zurich
  • 30% loan to value (LTV) interest-only lifetime mortgages Buckinghamshire Building Society
  • 55% loan to value home reversion schemes the Telegraph
  • 30% LTV lumpsum lifetime mortgages Kent Reliance


Downsides of Equity Release Schemes

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

Areas where Lifetime Mortgages are common

  • Newhaven
  • Rayleigh
  • Spalding
  • Hemsworth
  • Silsden
  • South Shields
  • Reigate
  • Medlar-with-Wesham


Small business owners detail likely with equity to release

  • Renting and leasing of passenger water transport equipment Morley
  • Risk and damage evaluation Knaresborough
  • Manufacture of cider and other fruit wines Wood Green
  • Glazing Barrow-in-Furness
  • Treatment and disposal of non-hazardous waste Malmesbury
  • Manufacture of musical instruments Lydd
  • Activities of exhibition and fair organisers Hemel Hempstead
  • Manufacture of other products of wood; manufacture of articles of cork, straw and plaiting materials Wareham
  • Growing of sugar cane Berkeley
  • Regulation of health care, education, cultural and other social services, not incl social security Hedge End
  • Manufacture of telegraph and telephone apparatus and equipment Bridport
  • Cutting, shaping and finishing of stone Royal Wootton Bassett
  • Development of building projects Romsey
  • Wholesale of household goods other than musical instruments n e c Harwich
  • Banks Wellington
  • Manufacture of pulp Stratford-upon-Avon
  • Technical testing and analysis Harworth and Bircotes
  • Book publishing Much Wenlock
  • Manufacture of electronic industrial process control equipment Billericay
  • Sports and recreation education Corby
  • Renting and leasing of agricultural machinery and equipment Burton upon Trent
  • Wholesale of machine tools Matlock
  • Renting and leasing of freight air transport equipment Lynton & Lynmouth
  • Non-specialised wholesale trade Colburn
  • Other telecommunications activities Southminster
  • Manufacture of other non-metallic mineral products n e c Patchway

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


Equity Release LTV

The more aged you are and the sicker you are the more money you can release.

  • More 2 Life Flexi Choice Voluntary Payment Super Lite
  • Bridgewater Equity Release Schemes
  • Hodge Lifetime Flexible Drawdown Plan
  • More2Life Flexi Choice Voluntary Payment Super Lite
  • TSB Lifetime Mortgage
  • Age Partnership Equity Release
  • Bridgewater Equity Release
  • Hodge Lifetime Flexible Drawdown Plan
  • HSBC Equity Release
  • Saga Lifetime Mortgage
  • Age Partnership Interest Only Lifetime Mortgage
  • Hodge Lifetime Flexible Voluntary Repayment Plan
  • L&G Legal & General Flexible Max Scheme
  • Liverpool Victoria LV Equity Release Schemes
  • Pure Retirement Drawdown Plan
  • Stonehaven Lifetime Mortgage
  • More to Life Capital Choice Plus Plan
  • Age Partnership Equity Release Plans
  • Liverpool Victoria LV= Lump Sum Plus Lifetime Mortgage
  • NatWest Equity Release Schemes


Difficult to finance property types can include properties in the course of construction or pre-construction, properties where multiple third parties are living in an annexe, freehold houses and bungalows (England, Wales, Northern Ireland), commonhold properties and properties with single skin brickwork .

Many of the most appealing pensioner loan products include Lloyds Bank interest only lifetime mortgages, HSBC interest only lifetime mortgages, NatWest retirement mortgages, Legal & General later life interest only mortgages and Nationwide BS interest only mortgages for people over 60.

Difficult to mortgage property types can include timber framed properties built before 1920, timber framed properties built between 1920 and 1965, privately developed flats, maximum four storeys with a lift, privately developed flats in blocks of two storeys without a lift and properties where the flat is accessed via a deck or balcony.

Does Bank Of Ireland offer mortgages up to 85?

Yes, Bank Of Ireland do mortgages up to 85 at 2.22% MER. Bank Of Ireland mortgages up to 85 can have a loan to value of 55%.

Do Bank Of Ireland offer later life lending to Under 55?

Yes, Bank Of Ireland later life lending Under 55 is 2.13% MER.

Do Bank Of Ireland do mortgages over 70?

Yes, Bank Of Ireland mortgages over 70 are 2.19% MER.

Does Bank Of Ireland do mortgages over 75?

Yes, Bank Of Ireland mortgages over 75 are 1.8% APRC.

Do Bank Of Ireland offer later life lending?

Yes, Bank Of Ireland later life lending is 2.29% MER.

What are Bank Of Ireland rates for retirement mortgages?

Bank Of Ireland interest rates for retirement mortgages are 2% APRC.

Does Bank Of Ireland have good reviews for pensioner mortgages?

Yes, Bank Of Ireland reviews are tiptop for pensioner mortgages.

Does the Bank Of Ireland rio mortgage calculator show the LTV?

Yes, the Bank Of Ireland RIO mortgage calculator shows a good LTV of 75%.

Does a Bank Of Ireland retirement interest only mortgage advisor charge a big fee?

No, Bank Of Ireland retirement interest only mortgage advisors are free.

Does Bank Of Ireland offer mortgages over 60?

Yes, Bank Of Ireland mortgages over 60 are 2.09% MER.

Does Bank Of Ireland offer mortgages over 55?

Yes, Bank Of Ireland mortgages over 55 are 2.08% MER.

Some of the most popular loan to value ratios of Lloyds Bank mortgages for over 60s, Barclays lifetime mortgages for over 55s, NatWest mortgages for people over 50, L&G later life interest only mortgages over 60, RBS mortgages for over 70s and Nationwide Building Society mortgages for over 70s are 40%, 60% and 65%.

Tough to mortgage property variants include grade ll Listed houses (grade C in Scotland and B2 in Northern Ireland), properties with grounds in excess of five acres, use of the land and any outbuildings for a small amount of personal commercial use., properties with mobile phone masts which are not within influencing distance of the house and properties where Japanese Knotweed is present.

Challenging to mortgage property variants include high service charges, leasehold properties with a short lease, typically less than 70 years, or a defective lease, derelict property or where part of the building is in severe disrepair and needs demolishing, thatched buildings and properties that has never been registered with the land registry.

How much cash can I release?

You can release 65% of your home’s valuation. For example, if your house is valued at £360,000 you can borrow £252,000.