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

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Release equity from:*
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Please enter a number from 6000 to 2000000.
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Total amount of mortgage/loans you have on your home
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Name*
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Phone Number*
First Line Of Your Address:*
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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

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*
Contact Phone Number:*
Your Email Address:*
First Line Of Your Address:*
Your Postcode:*

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

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.

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