Lifetime Mortgage Category C S Listing Scotland Listed – 2.18% Equity Release

Retirement Mortgage Category C S Listing Scotland Listed

  • Remove money from your home
  • No need to make monthly payments
  • Help a family member buy their own home with a modest mortgage
  • Still, have a mortgage? We can help with that
  • 2.18% Equity Release
  • Stay living in your own property for as long as you like
  • Could be used to manage inheritance tax bills
  • All parts of the UK are acceptable
  • All leasehold 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.
  • About You

Not interested in equity release? Do you just want a conventional mortgage at 3.97% regardless of your age please Click Here

lifetime mortgage
lifetime mortgage interest only
equity release
pensioner mortgages interest only

  • Free No Obligation Quote

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

pensioner mortgage
lifetime mortgage
pensioner mortgage

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 mortgagesover 65 and Nationwide Building Society interest only retirement mortgages for over 70s are 50%, 55% and 65%.

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 part of the property, use of the land and any outbuildings for a small amount of personal commercial use., properties that have solar farms or a large number of wind turbines on the land and properties with mobile phone masts which are within influencing distance of the house.

Tough to finance property titles can include rentcharges 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. As an example, if your house is valued at £190,000 you can get £123,000.

Legal & General - Flexible Blue

Canada Life Home Finance lifetime mortgage for properties in Scotland

more 2 life joint lifetime mortgage

More2Life - Capital Choice Plan

Legal & General - Flexible Pink

LV= Flexible Lifetime Mortgage

More2Life - Flexi Choice Super Lite

More2Life - Capital Choice Plan

Pure Retirement Ltd joint lifetime mortgage

Areas where Lifetime Mortgages are routine

  • Fleet
  • Sandown
  • Seaton
  • Hastings
  • Great Dunmow
  • Dagenham
  • Witney
  • Alton
  • Long Sutton
  • Wadhurst
  • Elland
  • Gillingham

The 1st and 2nd charge lender 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 tenancy 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

Retirement Mortgage Prefabricated Concrete Houses for 2024

Hodge Lifetime

Legal and General Retirement Mortgages

One Family Lifetime 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 you are the more tax-free cash you can release.

It’s usual to discover individuals looking for interest-only lifetime mortgages, monthly payment lifetime mortgage or monthly payment equity release, however, Age Concern like Old Mutual Wealth are 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. Lifetime mortgage with flexible drawdown cash release may impact the ability to get state benefits. You may need to pay a legal fee and you could be exposed to changes in interest rates with some products.

Wealthy business owners who could benefit from equity release estate planning

  • Manufacture of paper stationery Eccles
  • Management consultancy activities other than financial management Fordingbridge
  • Other retail sale not in stores, stalls or markets Newbury
  • Manufacture of other rubber products Wadebridge
  • Extraction of salt Crowland
  • Raising of other animals Kingsteignton
  • Construction of water projects 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 Category C S Listing Scotland Listed

Home Equity Loan Dudley Building Society UK