Not necessary to make regular monthly payments
Use the money to buy another house
Are you still paying a mortgage? That’s fine we can help
Stay living in your own home for as long as you like
Often used to manage inheritance tax bills
Freehold flats are acceptable

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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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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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:*
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Just Mortgages

Equity Release percentages of your current property value – bluestone mortgages

50% monthly payment equity release Maximum cover Equity Release
30% loan to value (LTV) lumpsum lifetime mortgages New Street Mortgages
25% LTV monthly payment lifetime mortgage Clearly Loans
25% loan to value lump sum lifetime mortgages Swansea Building Society

Interest Only Lifetime Mortgages Bluestone Mortgages

Pensioner Mortgage Bluestone Mortgages

Difficult to finance home types include poorly maintained at the time of the valuation inspection, properties where letting arrangement where the tenancy agreement is not appropriate, leasehold properties where the lease length is currently unacceptable, commonhold properties and properties with single skin brickwork .

Some of the most common retirement finance offerings are Lloyds over 60 mortgages, HSBC mortgages over 65, NatWest mortgages over 70s, Legal and General retirement interest only mortgages and Nationwide over 60 lifetime mortgages.

Does Bluestone Mortgages offer mortgages up to 85?

Yes, Bluestone Mortgages do mortgages up to 85 at 2.24% APR. Bluestone Mortgages mortgages up to 85 have a loan to value (ltv) of 70%.

Do Bluestone Mortgages do later life lending to Under 55?

Yes, Bluestone Mortgages later life lending Under 55 is 2.1% APRC.

Do Bluestone Mortgages offer mortgages over 70?

Yes, Bluestone Mortgages mortgages over 70 are 2.1% APRC.

Does Bluestone Mortgages offer mortgages over 75?

Yes, Bluestone Mortgages mortgages over 75 are 2.17% APR.

Do Bluestone Mortgages offer later life lending?

Yes, Bluestone Mortgages later life lending is 1.84% APR.

What are the current Bluestone Mortgages interest rates for retirement mortgages?

Bluestone Mortgages rates for retirement mortgages are 2.04% APRC.

Does Bluestone Mortgages have positive reviews for pensioner mortgages?

Yes, Bluestone Mortgages reviews are splendid for pensioner mortgages.

Does the Bluestone Mortgages rio mortgage calculator show the loan to value?

Yes, the Bluestone Mortgages RIO mortgage calculator shows a positive loan to value of 60%.

Does a Bluestone Mortgages retirement interest only mortgage advisor charge a big fee?

No, Bluestone Mortgages retirement interest only mortgage advisors are free.

Do Bluestone Mortgages do mortgages over 60?

Yes, Bluestone Mortgages mortgages over 60 are 2.25% APRC.

Does Bluestone Mortgages do mortgages over 55?

Yes, Bluestone Mortgages mortgages over 55 are 2.04% MER.

Difficult to finance property variants include properties with post 1945 asbestos or similar composition roof tiles , properties with any externally applied insulation to the walls after construction, studio flats located within the M25, privately developed flats in blocks of two storeys without a lift and privately developed flats in blocks of three or four storeys without a lift.

Some of the most popular LTV ratios of TSB mortgages for 60 plus pensioners, Barclays interest only mortgages for people over 70, Halifax interest only lifetime mortgages for people over 60, Legal & General mortgages for 60 plus, Bank of Scotland over 60 lifetime mortgages and Nationwide Building Society interest only mortgages for people over 70 are 40%, 55% and 70%.

Challenging to finance home titles include properties with outbuildings used for normal domestic purposes (garage, workshop, stables, barn etc), properties converted from modern commercial premises, properties without direct access to an adopted highway or which are accessed over an unmade road, properties with flying or creeping freeholds which comprise over 15% of the total floor area and properties with mobile phone masts which are within influencing distance of the house.

Challenging to mortgage property titles include properties with legal agreements such as Overage, Clawback, Option, Pre-emption, or any onerous Restrictive Covenant, leasehold properties with a short lease, typically less than 70 years, or a defective lease, property is uninhabitable, asbestos construction and concrete frame.

How much can I get?

You can get 60% of your property’s valuation. For example, if your home is valued at £350,000 you can get £227,000.

Disadvantages of Lifetime Mortgages

Monthly payment lifetime mortgage can reduce the inheritance for your family. Lifetime mortgage with flexible drawdown cash 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.

Business owners details likely with equity to release

Tax consultancy Barton-upon-Humber
Manufacture of other electrical equipment Skelton-in-Cleveland
Operation of sports facilities Crosby
Manufacture of other wearing apparel and accessories n e c South Elmsall
Casting of light metals Featherstone
Computer facilities management activities Willesden
Activities of call centres Stony Stratford
Cultural education Cramlington
Retail sale of leather goods in specialised stores Bexhill-on-Sea
Retail sale in non-specialised stores with food, beverages or tobacco predominating Dukinfield
First-degree level higher education Epping
Manufacture of printing ink Hinckley
Raising of sheep and goats Castle Cary
Retail sale of computers, peripheral units and software in specialised stores Waltham Cross
Production of meat and poultry meat products Woodbridge
Repair of electrical equipment Stanley
Manufacture of woven or tufted carpets and rugs Tickhill
Manufacture of bearings, gears, gearing and driving elements Sandiacre
Wholesale of household goods other than musical instruments n e c Mansfield
Activities of production holding companies Strood
Manufacture of sugar Finchley
Wholesale of other office machinery and equipment Middlesbrough
Agents involved in the sale of food, beverages and tobacco Immingham

Providers for UK Equity Release

the Telegraph
New Life
More2Life

L&G Legal & General Premier Flexible Lifetime Mortgage
NatWest Interest Only Lifetime Mortgage
More to Life Flexi Choice Drawdown Lite Plan
Bridgewater Equity Release
More2Life Flexi Choice Drawdown Lite Plan
More to Life Capital Choice Plan
Pure Retirement Drawdown Plan
More 2 Life Tailored Choice Plan
Royal Bank of Scotland Lifetime Mortgage
Age Partnership Equity Release Schemes
L&G Legal & General Flexible Max Plus
Lloyds Bank Equity Release Plans
Bridgewater Equity Release Schemes
Just Retirement Interest Only Lifetime Mortgage
NatWest Interest Only Lifetime Mortgage
More 2 Life Capital Choice Plus Plan
Age Partnership Equity Release Plans

What percentage can be released?

The older you are and the more serious your illnesses you are the more cash you can release.

Areas where Lifetime Mortgages are popular

Ashford
Northam
Earley
Sevenoaks
Devizes
Biddulph
Tetbury
South Shields
Bawtry
Batley
Amersham
Wisbech
Bideford
Windsor

It’s very regular to find people looking for lifetime mortgage with flexible drawdown cash release, lumpsum lifetime mortgages or home reversion plans, however, Legal and General like Aegon are keen to see proof of your situation in the form of pension statements.

The 1st and 2nd charge lender will want to know if the property is a Detached freehold house or a Leasehold flat with share of freehold and if the resident is an Private Tenant.

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