
- Remove money from your home.
- No need to make monthly payments
- Help a family member buy their own home with a modest mortgage
- Do you still have a mortgage? We can help with that.
- 4.18% Equity Release
- Stay living in your property for as long as you like
- It could be used to manage inheritance tax bills
- All parts of the UK are acceptable
- All leasehold properties are considered
If you don’t want a lifetime mortgage or equity release, and want a normal mortgage at 3.97% regardless of your age please Click Here
Not interested in equity release? Do you just want a conventional mortgage at 3.97% regardless of your age please Click Here








Hard-to-mortgage home variants include properties in the course of construction or pre-construction, entirely tenanted properties, right–to–buy properties in Scotland, leasehold properties (with the exception of flats and maisonettes), and freehold flats (England, Wales, Northern Ireland).
Common pensioner finance products include Lloyds Bank over-60 mortgages, HSBC later life mortgages, Post Office equity release schemes, Legal and General interest-only mortgages for people over 60, and Nationwide Building Society later life interest-only mortgages over 70.
Difficult-to-finance property variants include timber-framed properties built before 1920, properties with single-skin brickwork where the single skin comprises more than 20% of the surface area of the external walls, studio flats located within the M25, coach houses, i.e. freehold properties with garages beneath, and flats above or adjacent to commercial premises.
Popular loan-to-value percentage ratios of TSB over 60-lifetime mortgages, Barclays Bank later life mortgages for over 70s, Halifax retirement interest-only mortgages over 75, Legal & General pensioner mortgages over 60, RBS retirement mortgages over 65 and Nationwide Building Society interest-only retirement mortgages for over 70s are 50%, 54.22% and 64.22%.
Challenging to mortgage home variants can include flats of less than 30 square metres in any location, properties with a single annexe or other self-contained parts of the property, use of the land and any outbuildings for a small amount of personal commercial use. These properties have solar farms or many wind turbines on the land, and properties with mobile phone masts within influencing distance of the house.
Tough-to-finance property titles can include rent charges properties with a high estate rentcharge, 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, corrugated iron construction and concrete panel houses.
How much can I borrow?
You can release 60% of your property’s valuation. For example, if your house is valued at £190,000, you can get £123,000.









Areas where Lifetime Mortgages are routine
- Fleet
- Sandown
- Seaton
- Hastings
- Great Dunmow
- Dagenham
- Witney
- Alton
- Long Sutton
- Wadhurst
- Elland
- Gillingham
The first and second charge lenders 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 tenant.
- Aviva Equity Release Plans
- More 2 Life Tailored Choice Plan
- L&G Legal & General Flexible Lifetime Mortgage
- Stonehaven Equity Release Scheme
- Nationwide Equity Release
- More2Life Capital Choice Plus Plan
- Hodge Lifetime Mortgage Plus
- L&G Legal & General Flexible Max Scheme
- TSB Equity Release Plans
- More2Life Flexi Choice Voluntary Payment Super Lite
- Stonehaven Interest Select Plan
- Lloyds Bank Lifetime Mortgage
- Liverpool Victoria LV Equity Release
- Stonehaven Interest Only Lifetime Mortgage
- Lloyds Bank Equity Release Schemes



Legal and General Retirement Mortgages
What percentage can be released?
- 50% interest-only lifetime mortgages AA equity release
- 50% loan to value (LTV) lumpsum lifetime mortgages 1st Stop Home Loans
- 60% loan to-value (LTV) lifetime mortgage with flexible drawdown cash release 1st Stop Home Loans
- 30% LTV interest-only lifetime mortgages Fleet Mortgages
Pensioner Mortgage Category C S Listing Scotland Listed
Equity Release LTV
The older you are and the more illnesses you have, the more tax-free cash you can release.
It’s usual to find individuals looking for interest-only lifetime mortgages, monthly payment lifetime mortgages, or monthly payment equity releases. However, Age Concern, like Old Mutual Wealth, is keen to see proof of your personal circumstances in the form of bank statements.
Lenders for Equity Release
- Legal and General
- Bridgewater
- Legal and General
- LV equity release
Pitfalls of Home Reversion Schemes
Lump-sum lifetime mortgages can reduce the value of your estate. A lifetime mortgage with flexible drawdown cash release may impact your ability to get state benefits. You may need to pay a legal fee, and with some products, you could be exposed to changes in interest rates.
Wealthy business owners who could benefit from equity release estate planning
- Manufacture of paper stationery Eccles
- Management consultancy activities other than financial management Fordingbridge
- Another retail sale not in stores, stalls or markets in Newbury
- Manufacture of other rubber products Wadebridge
- Extraction of salt Crowland
- Raising of other animals Kingsteignton
- Construction of water projects in Luton
- Processing and preserving of poultry meat Acton
- Manufacture of batteries and accumulators Somerton
- Treatment and coating of metals Bromley
- Sports and Recreation Education St Columb Major
- Manufacture of oils and fats Swanscombe and Greenhithe
- Manufacture of other fabricated metal products n e c Stone
- Wholesale of coffee, tea, cocoa and spices Daventry
- Postal activities under universal service obligation Spennymoor
- Development of building projects Carterton
- Other software publishing Totnes
- Printing of newspapers Cromer
- Manufacture of flat glass Tonbridge
- Other non-ferrous metal production Clay Cross
- Other service activities incidental to land transportation, n e c Cricklade
- Casting of other non-ferrous metals Billericay
- Manufacture of bread; manufacture of fresh pastry goods and cakes Colburn
- Manufacture of other articles of concrete, plaster and cement Clun
- Sawmilling and planing of wood Cleethorpes
- Other processing and preserving of fruit and vegetables Henley-in-Arden
- Interest Only Lifetime Mortgages Prefabricated Concrete Houses UK
- Pensioner Mortgage Parity Trust for 2025
- Equity Loan Halifax for 2025
- Home Equity Loan Iva for 2025
- Equity Loan Properties Held By Companies UK
- Bad Credit Mortgages Age 42 in 2025
- Refinance Ex Council Properties Ex-Housing Association in 2025
- Remortgage Properties Flooded In The Past Five Years in 2025
- Bad Credit Mortgages Corrugated Iron Roofs Property-Iron UK
- Retirement Mortgage Hodge UK
- Interest Only Lifetime Mortgages Ipswich Building Society Mortgages UK
- Remortgage Bad Credit Age 46 in 2025
- Refinance Age 47 UK
- Remortgage Coutts Finance Co in 2025
- Pensioner Mortgage Greater Manchester for 2025
- Pensioner Mortgage Merseyside Liverpool for 2025
- Equity Loan No Credit Check in 2025
- Remortgage Direct Line in 2025
- Home Equity Loan Family Building Society in 2025
- Refinance Accord Mortgages UK
- RIO Age 49 in 2025
- Remortgage Bad Credit Kent Reliance UK
- Pensioner Mortgage Greater London for 2025
- Interest Only Mortgage Habito for 2025
- Equity Loan Age 48 UK
- Bad Credit Mortgages Earl Shilton Building Society UK
- For Self Build
- Equity Loan Buckinghamshire Building Society UK
- Home Equity Loan Ge Money Home Lending Ltd in 2025
- Refinance Annexe Self-Contained Granny Flats for 2025
- Bad Credit Mortgages Best Retirement Interest Only Mortgages for 2025
- Interest Only Mortgage Mansfield Building Society Interest Rates in 2025
- Equity Loan Freehold Flat for 2025
- Home Equity Loan ITL Mortgages for 2025
- RIO M&S Bank for 2025
- Equity Loan Metro Bank in 2025
- Remortgage Bad Credit Age 52 in 2025
- Remortgage Bad Credit Daily Telegraph for 2025
- Refinance Properties More Than Five Acres Of Land UK
- Refinance Newbury Building Society Mortgages for 2025
- Equity Loan No Credit Check for 2025
- Drawdown
- RIO Ex Local Authority Flats Or Maisonettes for 2025
- Equity Loan Declined UK
- RIO Properties Valued Less Than £70000 in 2025
- Remortgage Bad Credit Cynergy Bank in 2025
- Equity Loan Nedbank Private Wealth in 2025
- Home Equity Loan Atom Bank UK
- Pensioner Mortgage Chelsea Building Society UK
- Equity Loan Age 51 in 2025
- Pensioner Mortgage Platform in 2025
- Pensioner Mortgage For Retirement Properties for 2025
- Remortgage Bad Credit Properties Above Commercial Premises in 2025
- Bad Credit Mortgages Bradford & Bingley Plc in 2025
- Home Equity Loan Bank Of Ireland Mortgages in 2025
- Pensioner Mortgage For 50-Year-Olds for 2025
- Home Equity Loan Hinckley And Rugby Building Society in 2025
- Pensioner Mortgage Barnsley Building Society for 2025
- Bad Credit Mortgages Age 54 for 2025
- Interest Only Lifetime Mortgages No Broker Fee in 2025
- Remortgage Pepper Money in 2025
Interest Only Lifetime Mortgages Category C S Listing Scotland Listed

