Remove tax-free money from your property
No monthly payments
Are you still paying a mortgage? That’s fine we can help
Funding being lent today secured before COVID 19-corona virus
No lenders fee charged
England, Scotland, Wales and Northern Ireland all 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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Release equity from:*
How Much Would You Like Release/Borrow?*
Please enter a number from 6000 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*
Your Email Address:*
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:*

Pitfalls of Home Reversion Plans

Interest-only lifetime mortgages can reduce the value of your estate. Lumpsum lifetime mortgages may impact entitlements to benefits. You may need to pay a legal fee and you could be exposed to changes in interest rates with some products.

It’s usual to discover individuals seeking out lumpsum lifetime mortgages, monthly payment life time mortgage or home reversion plans, however, Lifetime Mortgage from L&G like Zurich are keen to see evidence of your situation in the form of investment statements.

Equity Release percentages of your current property value

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

Equity Release LTV

50% lifetime mortgage with flexible drawdown cash release LV Liverpool Victoria
45% loan to value monthly payment lifetime mortgage Saga
30% LTV home reversion schemes Prestige Finance

Successful business owners who could benefit from Home Reversion Scheme tax planning

Activities of exhibition and fair organisers Skegness
Support activities for petroleum and natural gas extraction Bromyard
Defence activities Fleet
Manufacture of macaroni, noodles, couscous and similar farinaceous products Hatfield
Specialists medical practice activities West Tilbury
Raising of dairy cattle Winchcombe
Test drilling and boring Jarrow
Retail sale of automotive fuel in specialised stores Wainfleet All Saints
Publishing of learned journals Westbury
Life reinsurance Buntingford
Manufacture of essential oils Oswestry
Manufacture of women’s underwear Desborough
Operation of historical sites and buildings and similar visitor attractions Ferndown
Other manufacturing n e c Totnes
Non-life reinsurance Coulsdon
Mining of other non-ferrous metal ores Coalville
Manufacture of irradiation, electromedical and electrotherapeutic equipment Swanscombe and Greenhithe
Plumbing, heat and air-conditioning installation Withernsea
Wholesale of china and glassware and cleaning materials Abingdon-on-Thames
General public administration activities Tenbury Wells
Media representation services Ponteland
Other software publishing Princes Risborough
Processing and preserving of poultry meat Worthing
Retail sale of fish, crustaceans and molluscs in specialised stores Brierley
Treatment and disposal of non-hazardous waste Yateley
Manufacture of other wearing apparel and accessories n e c Bishop Auckland
Manufacture of articles of fur Middlesbrough
Manufacture of earthmoving equipment Padstow
Growing of fibre crops Sidmouth

Liverpool Victoria LV= Flexible Lifetime Mortgage
More2Life Capital Choice Plan
Pure Retirement Lifetime Mortgage
Lloyds Bank Equity Release
Royal Bank of Scotland Equity Release Plans
Saga Equity Release Schemes
Aviva Equity Release Plans
Just Retirement Equity Release Plans
Liverpool Victoria LV Equity Release Schemes
Stonehaven Equity Release
Royal Bank of Scotland Lifetime Mortgage
More2Life Capital Choice Plan
Canada Life Prestige Flexi Option
More 2 Life Flexi Choice Voluntary Payment Super Lite
Nationwide Equity Release
More to Life Flexi Choice Drawdown Lite Plan
Hodge Lifetime Mortgage Flexible Drawdown Plan
Liverpool Victoria LV= Lump Sum Plus Lifetime Mortgage
Pure Retirement Lifetime Mortgage
Stonehaven Equity Release
Lloyds Bank Equity Release
Saga Equity Release Plans

Does Capital Home Loans do mortgages up to 85?

Yes, Capital Home Loans does mortgages up to 85 at 1.97% APR. Capital Home Loans mortgages up to 85 can have a LTV of 65%.

Does Capital Home Loans offer later life lending to Under 55?

Yes, Capital Home Loans later life lending Under 55 is 2.22% APR.

Does Capital Home Loans do mortgages over 70?

Yes, Capital Home Loans mortgages over 70 are 1.83% APRC.

Does Capital Home Loans offer mortgages over 75?

Yes, Capital Home Loans mortgages over 75 are 2.28% APRC.

Do Capital Home Loans offer later life lending?

Yes, Capital Home Loans later life lending is 2.19% APRC.

What are the current Capital Home Loans interest rates for retirement mortgages?

Capital Home Loans rates for retirement mortgages are 1.99% APR.

Does Capital Home Loans have favourable reviews for pensioner mortgages?

Yes, Capital Home Loans reviews are splendid for pensioner mortgages.

Does the Capital Home Loans rio mortgage calculator show the loan to value (ltv)?

Yes, the Capital Home Loans RIO mortgage calculator shows a favourable loan to value (ltv) of 75%.

Does a Capital Home Loans retirement interest only mortgage advisor charge a large fee?

No, Capital Home Loans retirement interest only mortgage advisors are free.

Do Capital Home Loans offer mortgages over 60?

Yes, Capital Home Loans mortgages over 60 are 2.24% APRC.

Do Capital Home Loans offer mortgages over 55?

Yes, Capital Home Loans mortgages over 55 are 2.24% APR.

Aviva Retirement Mortgages

Crown Drawdown Lifetime Mortgages

Hodge Lifetime Equity Release

More2Life Drawdown Lifetime Mortgages

Pensioner Mortgage Capital Home Loans

Just

LV Lifetime Mortgages

LV Retirement Mortgages

Equity Release Providers

Bower
Step Change
Age Partnership
VitalityLife Equity Release

Areas where Lifetime Mortgages are routine

Kirkby Stephen
Crewkerne
Bootle
Kirkby Lonsdale
Dorking
Syston
Filton
Banbury
Elland
Ashby-de-la-Zouch
Ilfracombe
St Ives
Penwortham

Interest Only Lifetime Mortgages Capital Home Loans

Does CHL Mortgages do mortgages up to 85?

Yes, CHL Mortgages do mortgages up to 85 at 1.92% APR. CHL Mortgages mortgages up to 85 can have a LTV of 60%.

Do CHL Mortgages offer later life lending to Under 55?

Yes, CHL Mortgages later life lending Under 55 is 2.21% APR.

Do CHL Mortgages offer mortgages over 70?

Yes, CHL Mortgages mortgages over 70 are 2.25% APR.

Do CHL Mortgages offer mortgages over 75?

Yes, CHL Mortgages mortgages over 75 are 2.1% APRC.

Do CHL Mortgages offer later life lending?

Yes, CHL Mortgages later life lending is 2.02% MER.

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

CHL Mortgages rates for retirement mortgages are 2.24% APR.

Do CHL Mortgages have favourable reviews for pensioner mortgages?

Yes, CHL Mortgages reviews are commendable for pensioner mortgages.

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

Yes, the CHL Mortgages RIO mortgage calculator shows a favourable loan to value of 65%.

Does a CHL Mortgages retirement interest only mortgage advisor charge a large fee?

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

Do CHL Mortgages do mortgages over 60?

Yes, CHL Mortgages mortgages over 60 are 2.02% APR.

Do CHL Mortgages do mortgages over 55?

Yes, CHL Mortgages mortgages over 55 are 2.07% APR.

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

Hard to mortgage home variants include poorly maintained at the time of the valuation inspection, age restricted properties, right to buy – properties in England, Wales and Northern Ireland, properties where the customer is offering only part of the title as security for the loan and properties with single skin brickwork .

Common retirement finance offerings are TSB mortgages for over 50 year olds, Barclays pensioner mortgages, Post Office equity release plans, L&G interest only mortgages for people over 60 and Nationwide BS interest only mortgages for over 60s.

Difficult to mortgage 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, freehold/feuhold flats (Scotland only) and privately developed flats in blocks of three or four storeys without a lift.

Common loan to values of TSB RIO mortgages over 75, Barclays Bank interest only mortgages for over 70s, Post Office mortgages for 60 year olds, L&G mortgages for 60 plus, RBS interest only mortgages for over 60s and Nationwide Building Society interest only retirement mortgages for over 70s are 35%, 55% and 70%.

Challenging to finance home variants 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, grades l and ll* Listed Buildings in England & Wales (Grades A and B in Scotland; A, B+ and B1 in Northern Ireland), properties that are being used for personal commercial use and properties with mobile phone masts which are within influencing distance of the house.

Challenging to finance home titles can include high service charges, 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, corrugated iron construction and Reema Hollow panel, Schindler and Hawksley SGS, Stent, Stonecrete, Stour, Tarran, Underdown, Unity and Butterley, Waller, Wates, Wessex, Winget and Woolaway.

How much cash can I borrow?

You can get 60% of your home’s value. For example, if your house is worth £360,000 you can borrow £216,000.

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