Lifetime Mortgage Best Retirement Interest Only Mortgages

Retirement Mortgage Best Retirement Interest Only Mortgages

  • No regular monthly payments
  • Use the money for anything you like
  • Still, have a mortgage? We can help with that
  • Continue to live in your own property
  • Lender not impacted by COVID 19-corona virus crisis
  • All non-standard construction properties considered

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.
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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

best retirement interest only mortgages

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  • Free No Obligation Quote

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

retirement mortgages
lifetime mortgage interest only



Equity Release UK Providers – retirement interest only mortgage rates

  • Sunlife Plans
  • One Family
  • Key Retirement
  • Stepchange
  • LV Liverpool Victoria

Crown Drawdown Lifetime Mortgages

Pensioner Mortgage Best Retirement Interest Only Mortgages

One Family Equity Release

LV Drawdown Lifetime Mortgages

More2Life Mortgages

Towns of the UK where Lifetime Mortgages are popular

  • Blandford Forum
  • Southborough
  • Higham Ferrers
  • Bradninch
  • Grantham
  • Biddulph
  • Porthleven
  • Crosby
  • Burslem
  • Newbury
  • Surbiton

Legal & General - Flexible Yellow

Aviva lifetime mortgage

Interest Only Lifetime Mortgages Best Retirement Interest Only Mortgages

Legal & General - Flexible Blue

LV= lifetime mortgage

Hard to finance property variants include homes requiring essential repairs, properties where the ownership is set up on a tenancy in common basis, right to buy – properties in England, Wales and Northern Ireland, leasehold properties (with the exception of flats and maisonettes) and properties owned under any form of shared equity scheme.

Common retirement mortgage products are TSB mortgages for over 65, Barclays Bank equity release plans, NatWest remortgages for people over 50 years old, Legal & General interest only mortgages for people over 60 and Nationwide equity release schemes.

Difficult to mortgage property types include pre-fabricated reinforced concrete (PRC), properties with any external treatment applied to the roof after construction, properties with minimum floor area of 30 square metres, privately developed flats in blocks of two storeys without a lift and freehold flats (England, Wales, Northern Ireland).

Popular loan to value percentage ratios of Lloyds mortgages over 70s, HSBC mortgages over 70s, NatWest mortgages for over 70s, L&G pensioner mortgages over 70s, Royal Bank of Scotland lifetime mortgages for over 55s and Nationwide Building Society mortgages for people 60 plus are 45%, 60% and 70%.

Challenging to finance home titles can include properties built or converted into dwellings more than 10 years ago, properties with a single annexe or other self-contained part of the property, properties with a small number of solar panels or a wind turbine on the land for domestic use, properties with mobile phone masts which are not within influencing distance of the house and properties that have a private water supply provided a contract is in place with an approved maintenance company for regular testing and maintenance.

Tough to finance home titles include properties will be assessed for flood risk, properties close to mining works, areas of landfill, areas of recent flooding or subsidence, properties where there are boundary disputes or where planning applications have not been applied for correctly, mundic homes and concrete frame.

Loan to value for equity release?

You can achieve 70% of your property’s value. As an example, if your home is worth £200,000 you can release £140,000.

retirement mortgages interest only

more 2 life joint lifetime mortgage

LV= Lump Sum+ Lifetime Mortgage

Legal & General - Premier Flexible Black

interest only lifetime mortgage rates

Pitfalls of Lifetime Mortgages

Lifetime mortgage with flexible drawdown cash release can reduce the value of your estate. Lifetime mortgage with flexible drawdown cash release may impact entitlements to benefits. You may need to pay a solicitor’s fee and you could be exposed to changes in interest rates with some products.

The lender will want to know if the property is a Detached freehold house or a Leasehold house and if the resident is an Private Tenant.

  • Liverpool Victoria LV= Lump Sum Plus Lifetime Mortgage
  • Nationwide Interest Only Lifetime Mortgage
  • HSBC Interest Only Lifetime Mortgage
  • Lloyds Bank Equity Release Schemes
  • TSB Lifetime Interest Only Mortgage
  • More to Life Tailored Choice Plan
  • Saga Lifetime Mortgage
  • Age Partnership Equity Release Plans
  • More 2 Life Capital Choice Plus Plan
  • TSB Equity Release Plans
  • Royal Bank of Scotland Interest Only Lifetime Mortgage
  • Bridgewater Lifetime Mortgage
  • Liverpool Victoria LV= Lump Sum Plus Lifetime Mortgage
  • More 2 Life Tailored Choice Plan
  • Pure Retirement Equity Release Plans
  • NatWest Equity Release
  • Aviva Flexible Voluntary Repayment Plan
  • Just retirement equity release key features
  • Stonehaven Equity Release
  • Nationwide Equity Release Plans
  • Lloyds Bank Equity Release Plans
  • More 2 Life Flexi Choice Voluntary Payment Super Lite
  • Age Partnership Interest Only Lifetime Mortgage


Equity Release percentages of your current property value

The more elderly you are and the more serious your illnesses you are the more tax free cash you can release.

Bad Credit Mortgages National Counties Building Society Bs UK

Home Equity Loan Coventry Building Society for 2023

Equity Release LTV

  • 60% monthly payment equity release Old Mutual Wealth
  • 45% loan to value (LTV) monthly payment equity release Prudential Lifetime
  • 30% loan to value monthly payment equity release Central Trust
  • 30% loan to value (LTV) home reversion plans Family Building Society
  • 45% loan to value monthly payment lifetime mortgage Prudential
  • 35% loan to value monthly payment equity release Shawbrook

Lowest cost lifetime mortgage options with no redemption penalties

A Halifax interest only lifetime mortgage can be the lowest rate way to finance your home in retirement without the problems compounded interest roll-up destroying more and more of your home equity.

Using a retirement interest-only mortgages Halifax can be the least expensive way to finance your home or second property.

Retired business owners that may be interested in Home Reversion Schemes

  • Growing of pome fruits and stone fruits Hendon
  • Risk and damage evaluation Blyth
  • Manufacture of earthmoving equipment Shoreham-by-Sea
  • Wholesale of metals and metal ores Cleobury Mortimer
  • Manufacture of photographic and cinematographic equipment Morpeth
  • Unlicensed restaurants and cafes Sprowston
  • Manufacture of other wearing apparel and accessories n e c Halesowen
  • Manufacture of paper and paperboard Bungay
  • General cleaning of buildings Leigh-on-Sea
  • Scheduled passenger air transport Rothwell
  • Removal services Bridgwater
  • Repair of watches, clocks and jewellery Ashton-under-Lyne
  • Artistic creation Ross-on-Wye
  • Cultural education Hyde
  • Renting and leasing of recreational and sports goods Cirencester
  • Packaging activities Filton
  • Dental practice activities Bishop Auckland
  • Electrical installation Oundle
  • Another retail sale in non-specialised stores Chippenham
  • Liquid milk and cream production Fordbridge
  • Freight rail transport Higham Ferrers
  • Production of coffee and coffee substitutes Barnoldswick
  • Manufacture of doors and windows of metal Kings Lynn

It’s very regular to encounter people looking for monthly payment equity release, monthly payment lifetime mortgage or lifetime mortgage with flexible drawdown cash release, however, More2Life like AIG Life are keen to see evidence of your personal circumstances in the form of pension statements.