Lifetime Mortgage Clay Lump Construction House

Retirement Mortgage Clay Lump Construction House
  • Are you still paying a mortgage? That’s fine; we can help
  • All UK Postcodes are acceptable
  • Properties which are made up of multiple titles 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

  • Free No Obligation Quote

  • Please enter a number from 6000 to 2000000.
  • About You

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

clay lump
pensioner mortgage clay lump
lifetime mortgage interest only
Under 55
  • Free No Obligation Quote

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

Over 65
clay lump property equity release
clay lump house lifetime mortgage

Areas where equity release is routine

  • Harpenden
  • Modbury
  • Wareham
  • Bedale
  • Sandy
  • Aylsham
  • Brightlingsea
  • Rothbury
  • Bishops Castle
  • Stowmarket
  • St Just-in-Penwith
  • Camelford
  • Totton and Eling
  • Godmanchester
  • Billericay
  • Dukinfield
  • Totton and Eling

Pensioner Mortgage Clay Lump Construction House

more 2 life lifetime mortgage
More2Life - Capital Choice Plus Plan
Legal & General Home Finance lifetime mortgage
Pure Retirement - Classic Lite
Pure Retirement Ltd lifetime mortgage
Legal & General - Premier Flexible Black
Canada Life Home Finance lifetime mortgage for properties in Scotland
Pure Retirement Ltd joint lifetime mortgage

The mortgage lender will want to know if the property is a semi-detached freehold house or a Leasehold flat with a share of freehold and if the resident is an AST Tenant.

Equity Release LTV Percentages

The older you are and the sicker you are, the more tax-free cash you can release.

Equity Release LTV Percentages

  • 50% lumpsum lifetime mortgages Maximum cover Equity Release
  • 35% loan to value home reversion plans More to Life
  • 25% LTV monthly payment equity release Prestige Finance
  • 25% loan to value lumpsum lifetime mortgages Family Building Society

It is usual to discover individuals looking for lump sum lifetime mortgages, lumpsum lifetime mortgages or interest-only lifetime mortgages, however, Sunlife Plans like Legal & General are keen to see paperwork to show your circumstances in the form of pension statements.

  • Hodge Equity Release Schemes
  • L&G Legal & General Premier Flexible Lifetime Mortgage
  • Liverpool Victoria LV Equity Release Plans
  • More2Life Tailored Choice Plan
  • Pure Retirement Drawdown Plan
  • More to Life Capital Choice Plus Plan
  • Age Partnership Lifetime Mortgage
  • Canada Life Lifetime Mortgages
  • L&G Legal & General Premier Flexible Lifetime Mortgage
  • More to Life Capital Choice Plus Plan
  • Nationwide Equity Release Schemes
  • Aviva Flexible Voluntary Repayment Plan
  • More2Life Tailored Choice Plan
  • Canada Life Equity Release Plans
  • More 2 Life Tailored Choice Plan
  • Pure Retirement Equity Release Plans
  • HSBC Lifetime Mortgage
  • Bridgewater Equity Release
  • Liverpool Victoria LV= Lump Sum Plus Lifetime Mortgage
  • More2Life Flexi Choice Voluntary Payment Super Lite
  • Stonehaven Interest Select Plan
  • Age Partnership Lifetime Mortgage

Examples of small business owners with home equity to release

  • Tax consultancy Woodbridge
  • Manufacture of non-electronic industrial process control equipment Pocklington
  • Other non-ferrous metal production Horsforth
  • Manufacture of pumps Stowmarket
  • Manufacture of plaster products for construction purposes Chickerell
  • Landscape service activities Lytchett Minster & Upton
  • Manufacture of consumer electronics Southall
  • Residential care activities for the elderly and disabled Selby
  • Construction of bridges and tunnels in Berkeley
  • Manufacture and processing of other glass, including technical glassware Harworth and Bircotes
  • Retail sale of hardware, paints and glass in specialised stores New Mills
  • Processing of nuclear fuel Louth
  • Manufacture of mortars Ripley
  • Production of abrasive products Maldon
  • Scaffold erection Ellesmere
  • Manufacture of machinery for metallurgy Teignmouth
  • Retail sale in commercial art galleries Thorne
  • Activities of other membership organizations n e c Bootle
  • Activities of mortgage finance companies St Helens
  • Furnace and chimney cleaning services Wotton-under-Edge
  • Urban and suburban passenger railway transportation by underground, metro and similar systems Sutton Coldfield
  • Building of ships and floating structures in Accrington
  • Manufacture of corrugated paper and paperboard, sacks and bags Bordon
  • Manufacture of lime and plaster New Alresford
  • Manufacture of perfumes and toilet preparations Bentham
  • Manufacture of woven or tufted carpets and rugs Reading
  • Manufacture of man-made fibres Wendover
  • Licensed carriers Leyland
Pensioner Mortgage Ge Money Home Lending Ltd in 2024

Difficult-to-finance home variants can include homes requiring essential repairs, properties where tenants live in a self-contained part of the property, right to buy – properties in Scotland, properties where the customer is offering only part of the title as security for the loan and properties with single-skin brickwork.

Everyday pensioner finance products include Lloyds mortgages over 65, Barclays mortgages for 60-year-olds, NatWest later life interest-only mortgages over 60, Legal & General later life mortgages and Nationwide Building Society interest-only mortgages for over 65-year-olds.

Difficult-to-mortgage property types can include difficult roof structures, properties with any external treatment applied to the roof after construction, steel frame/clad properties built before 1990, and coach houses, i.e. freehold properties with garages beneath and flats above or adjacent to commercial premises.

Popular LTV percentages of Lloyds Bank over 60-lifetime mortgages, Barclays interest only lifetime mortgages for over 70s, NatWest equity release schemes for over 55’s, Legal & General mortgages for over 60s, Bank of Scotland later life interest only mortgages over 60 and Nationwide BS mortgages for people over 50 are 40%, 60% and 65%.

Challenging to mortgage property variants include properties with outbuildings used for normal domestic purposes (garage, workshop, stables, barn etc), properties converted from modern commercial premises, properties with more than one annexe or self-contained part of the property, properties with flying or creeping freeholds which comprise over 15% of the total floor area and properties that have a private water supply provided a contract is in place with an approved maintenance company for regular testing and maintenance.

Tough to mortgage home variants include properties with a sinking fund of 7% or more of the property sale price when the property is sold, ground rent where the lease or any deed varying the lease provides for a ground rent exceeding, or where the escalating provisions would result in the ground rent exceeding £250 per annum (or £1000 per annum where the property is in Greater London), derelict property or where part of the building is in severe disrepair and needs demolishing, asbestos construction and properties that has never been registered with the land registry.

How much cash can I borrow?

You can achieve 70% of your property’s valuation. For example, if your home is worth £200,000 you can release £120,000.

Disadvantages of Equity Release Schemes

Lifetime mortgage with flexible drawdown cash release can reduce your estate value. Home reversion schemes may impact entitlements to state benefits. You may need to pay a broker’s fee and some products expose you to changes in interest rates.

Equity Release Lenders

  • Bower
  • Prudential Lifetime
  • Legal and General
  • The Exeter Equity Release
Equity Loan Newbury Building Society Mortgages UK

Interest Only Lifetime Mortgages Clay Lump Construction House

Aviva Equity Release


Pure Retirement Lifetime Mortgages