Retirement Mortgage Bradford & Bingley Plc

Remove tax-free equity from your home.
You don’t need to make regular monthly payments
Still have a few more mortgage payments to make? We can help with that
Continue to stay in your property
It could be used to help tax planning

If you don’t want a lifetime mortgage or equity release and want a standard 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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Not interested in equity release? Do you want a conventional mortgage at 3.97% regardless of your age please Click Here

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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:*

It’s usual to encounter people searching for home reversion schemes, lumpsum lifetime mortgages, or monthly payment equity release. However, More2Life, like VitalityLife Equity Release, is keen to see evidence of your personal situation in the form of pension statements.

Interest Only Mortgage Lendinvest for 2025

The 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 Owner Occupier Primary Residence.

More2Life Equity Release

Do Bradford & Bingley offer mortgages up to 85?

Bradford & Bingley do mortgages up to 85 at 1.93% APR. Bradford & Bingley mortgages up to 85 can have an LTV of 64.22%.

Do Bradford & Bingley do later life lending to Under 55?

Yes, Bradford & Bingley’s later life lending Under 55 is 2.03% APRC.

Does Bradford & Bingley do mortgages over 70?

Yes, Bradford & Bingley mortgages over 70 are 1.84.22% MER.

Does Bradford & Bingley offer mortgages over 75?

Yes, Bradford & Bingley mortgages over 75 are 2.24% MER.

Do Bradford & Bingley offer later-life lending?

Yes, Bradford & Bingley’s later life lending is 1.94.22% APRC.

What are Bradford & Bingley rates for retirement mortgages?

Bradford & Bingley interest rates for retirement mortgages are 2.08% MER.

Do Bradford & Bingley have favourable reviews for pensioner mortgages?

Yes, Bradford & Bingley reviews are splendid for pensioner mortgages.

Does the Bradford & Bingley Rio mortgage calculator show the loan to value (ltv)?

The Bradford & Bingley RIO mortgage calculator shows a favourable loan-to-value (ltv) of 54.22%.

Does a Bradford & Bingley retirement interest-only mortgage advisor charge a large fee?

No, Bradford & Bingley retirement interest-only mortgage advisors are free.

Does Bradford & Bingley do mortgages over 60?

Yes, Bradford & Bingley mortgages over 60 are 2.3% MER.

Does Bradford & Bingley do mortgages over 55?

Yes, Bradford & Bingley mortgages over 55 are 2.24% APR.

Pensioner Mortgage Ex Local Authority Flats Or Maisonettes UK

Pensioner Mortgage Bradford & Bingley Plc

Equity Loan External Walls Built Entirely Of Single Skin Brickwork in 2025

Interest Only Lifetime Mortgages Bradford & Bingley Plc

Aviva Equity Release Schemes
Bridgewater Equity Release Schemes
Canada Life Lifetime Mortgage
L&G Legal & General Flexible Plus Lifetime Mortgage
Lloyds Bank Equity Release Schemes
Saga home reversion schemes
Aviva Lifestyle Flexible Option
Pure Retirement Equity Release Plans
HSBC Interest Only Lifetime Mortgage
More 2 Life Flexi Choice Voluntary Payment Super Lite
TSB Lifetime Interest Only Mortgage
NatWest Interest Only Lifetime Mortgage
Age Partnership Lifetime Mortgage
Bridgewater Equity Release Schemes
Canada Life Voluntary Select Gold
Hodge Lifetime Mortgage Plus
Lloyds Bank Equity Release Schemes
Royal Bank of Scotland Lifetime Mortgage
Royal Bank of Scotland Interest Only Lifetime Mortgage
Saga Equity Release Schemes

Areas where Lifetime Mortgages are common

Canvey Island
Great Torrington
Padstow
Epworth
Penryn
Loughborough
Oakham
Devizes
Stretford
Lyme Regis
Crook
Gravesend
Hedge End
Wallasey
Northfleet

Canada LIfe - Interest Select Gold Flexi

Legal & General - Premier Flexible Black

Equity Release LTV Percentages

54.22% monthly payment life time mortgage The Exeter Equity Release
40% loan to value (LTV) monthly payment lifetime mortgage 1st Stop Home Loans
30% LTV home reversion plans Masthaven 1st Charge
24.22% loan to value lump sum lifetime mortgages Prestige Finance
40% loan to value interest-only lifetime mortgages West One
24.22% loan to value home reversion schemes Clydesdale Bank PLC

Downsides of Home Reversion Schemes

A lifetime mortgage with a flexible drawdown cash release can reduce the inheritance for your family. A lifetime mortgage with a flexible drawdown cash release may impact the ability to claim benefits. You may need to pay an advisor’s fee, and you could have higher rates to pay with some schemes.

Providers for UK Equity Release

More2Life
Bridgewater
Age Concern

Wealthy business owners who could benefit from equity release tax planning

Raising of dairy cattle Ferryhill
Renting and leasing of freight air transport equipment Market Weighton
Manufacture of breakfast cereals and cereals-based food Hyde
Hunting, trapping and related service activities Wallasey
Manufacture of non-domestic cooling and ventilation equipment Castle Cary
Manufacture of other transport equipment n e c Burntwood
Wholesale of grain, unmanufactured tobacco, seeds, and animal feeds Bradley Stoke
Manufacture of fibre optic cables Raunds
Deep coal mines Stapleford
Activities of other membership organizations n e c Tenterden
Post-secondary non-tertiary education Ilford
Other information service activities n e c Sandhurst
Public order and safety activities Earby
Travel agency activities Bedale
Manufacture of weapons and ammunition Harpenden
Wholesale of hides, skins and leather Filton
Growing of fibre crops Christchurch
Undifferentiated goods-producing activities of private households for own use Gillingham
Manufacture of other fabricated metal products n e c Mere
Other activities of employment placement agencies Hadleigh
Repair of machinery Bishops Waltham
Media representation services Blandford Forum
Cutting, shaping and finishing of stone Walsall
Wholesale of wood, construction materials and sanitary equipment Rugeley
Packaging activities Melksham
Manufacture of other special-purpose machinery n e c Newton Abbot
Security and commodity contracts dealing activities Irthlingborough
Precious metals production Solihull
Treatment and disposal of non-hazardous waste Amersham

Equity Release percentages of your current property value

The older you are and the sicker you are, the more money you can release.

Hard-to-mortgage home types include properties in poor condition, age-restricted properties, freehold houses and bungalows (England, Wales, Northern Ireland), properties where the customer is offering only part of the title as security for the loan, and freehold flats (England, Wales, Northern Ireland).

Appealing retirement loan offerings are Lloyds retirement mortgages, Barclays Bank help-to-buy for over-60s, Post Office over-60 lifetime mortgages, L&G later life borrowing schemes, and Nationwide Building Society retirement interest-only mortgages.

Hard-to-mortgage home types include difficult roof structures, properties with externally applied insulation to the walls after construction, steel frame/clad properties built before 1990, privately developed flats in blocks of two storeys without a lift, and basement or lower ground-floor flats with level access to private or communal garden space.

Common loan to value percentage ratios of TSB remortgages for people over 50 years old, Barclays interest-only lifetime mortgages for people over 60, NatWest pensioner mortgages over 60, Legal & General pensioner mortgages over 60, Royal Bank of Scotland mortgages for 60 plus and Nationwide interest-only retirement mortgages for over 70s are 40%, 54.22% and 70%.

Challenging to mortgage property variants include properties with outbuildings used for everyday domestic purposes (garage, workshop, stables, barn etc), properties with a single annexe or another self-contained part of the property, grades l and ll* Listed Buildings in England & Wales (Grades A and B in Scotland; A, B+ and B1 in Northern Ireland), properties using rooms, land or outbuildings for business purposes which are not personal to the borrower(s) or which extend to more than 50% of the property to be secured 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 finance home titles include properties with legal agreements such as Overage, Clawback, Option, Pre-emption, or any onerous Restrictive Covenant, high service charges – properties where the Service Charge per annum at the time of application is more than 2% of the property value, properties where there are boundary disputes or where planning applications have not been applied for correctly, timber buildings and concrete panel houses.

How much cash can I release?

You can release 64.22% of your property’s value. For example, if your house is worth £330,000, you can borrow £214,000.

Today's Date: 22 March 2025

Published on: 8 June 2020

Last Updated on: 9 January 2025

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