Release equity from your house
Not necessary to make regular monthly payments
Help a member of your family buy a home they couldn’t afford otherwise.
Still have a few more mortgage payments to make? We can help with that
Stay living in your property for as long as you like
Often used to help with tax planning.
No broker fee is charged
All areas of the UK are acceptable

If you don’t want a lifetime mortgage or equity release and want a standard interest-only mortgage at 3.97%, regardless of your age, please Click Here

Free No Obligation Quote
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*
Day
Month
Year
Your Email Address:*
Phone Number*
First Line Of Your Address:*
Your Postcode:*

Not interested in equity release? Do you want a conventional interest-only mortgage at 3.97%, regardless of 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*
Day
Month
Year
Contact Phone Number:*
Your Email Address:*
First Line Of Your Address:*
Your Postcode:*

Bridgewater Lifetime Mortgage
Canada Life Interest Select Gold Flexi
L&G Legal & General Flexible Lifetime Mortgage
Nationwide Interest Only Lifetime Mortgage
More 2 Life Capital Choice Plus Plan
Aviva Flexible Voluntary Repayment Plan
Canada Life Interest Select Gold Flexi
More 2 Life Capital Choice Plus Plan
Nationwide Equity Release
Lloyds Bank Equity Release Schemes
Royal Bank of Scotland Equity Release
Saga home reversion schemes
Aviva Flexible Voluntary Repayment Plan
Canada Life Second Home Voluntary Select Plan
L&G Legal & General Flexible Plus Lifetime Mortgage
Liverpool Victoria LV= Flexible Lifetime Mortgage
Nationwide Equity Release
Saga Equity Release Schemes

The mortgage lender will want to know if the property is a Freehold house or a Leasehold flat with a share of freehold and if the resident is an owner-occupier.

It is expected to find individuals searching for monthly payment lifetime mortgages, lumpsum lifetime mortgages or home reversion plans. However, Key Retirement, like Royal London Equity Release, are keen to see evidence of your circumstances in the form of pension statements.

How much is it expected to release from a home

54.22% monthly payment lifetime mortgage Old Mutual Wealth
50% loan to value lumpsum lifetime mortgages Lifetime Mortgage from L&G
50% loan to value (LTV) monthly payment equity release Precise
30% LTV home reversion plans Prestige Finance
54.22% loan to value (LTV) monthly payment lifetime mortgage 1st Stop Home Loans

Interest Only Mortgage Yorkshire Bank UK

Interest Only Lifetime Mortgages More To Life for 2025

Home Equity Loan Secure Trust Bank in 2025

Areas of the UK where Lifetime Mortgages are common

Godalming
Carterton
North Petherton
Easingwold
Fordwich
Hythe
Winsford
Flitwick
Tickhill
Fleetwood
Craven Arms
Braunstone Town
Macclesfield
Wendover
Diss
Uxbridge
Bingley

Equity Release Lenders

Age Partnership
More to Life
Legal and General

Drawbacks of Equity Release Schemes

Lump-sum lifetime mortgages can reduce your estate value. Lump-sum lifetime mortgages may impact the ability to claim entitlements. You may need to pay an advisor’s fee and you could be exposed to changes in interest rates with some products.

Difficult-to-finance home types can include homes requiring essential repairs, properties where tenants live in a self-contained part of the property, right to buy – properties in Scotland, which comprise multiple titles and properties with leased solar panels.

Some of the most popular retirement mortgage products include Lloyds Bank retirement mortgages, Barclays Bank lifetime mortgages, NatWest equity release schemes, Legal and General mortgages for over 65 and Nationwide Building Society interest only mortgages for over 60s near London.

Hard-to-mortgage property types 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, 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.

Popular loan to values of Lloyds retirement interest only mortgages over 75, Barclays interest only lifetime mortgages for people over 60, Halifax later life interest only mortgages over 60, Legal & General later life interest only mortgages over 70, RBS help to buy for over 60s and Nationwide help to buy for over 60s are 50%, 54.22% and 70%.

Challenging to finance property titles include properties built or converted into dwellings within the last 10 years , properties with flying or creeping freehold, which comprises 14.22% or less of the total floor area, properties without direct access to an adopted highway or which are accessed over an unmade road, properties that have solar farms or a large number of wind turbines on the land and properties in coastal areas that may be affected by erosion.

Challenging to mortgage home titles include high service charges, 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), properties where there are boundary disputes or where planning applications have not been applied for correctly, corrugated iron construction and concrete panel houses.

How much money can I borrow?

You can release 70% of your property’s valuation. For example, if your house is worth £190,000, you can borrow £123,000.

Pensioner Mortgage Crofted Houses

Canada Life Home Finance lifetime mortgage for properties in Scotland

Pure Retirement Ltd joint lifetime mortgage

Equity Loan Properties Adjacent To Commercial Premises for 2025

Equity Loan Restrictive Covenant Overage Clawback Option Pre Emption UK

Equity Loan Britannia Co-Operative Bank in 2025

Retirement Mortgage Mansfield Bs in 2025

Equity Loan Ex-Local Authority Steel Frame Properties in 2025

Refinance Ecology Building Society in 2025

Interest Only Mortgage Tax Free And Estate Planning in 2025

Interest Only Mortgage Adam & Company UK

One Family

Legal and General Retirement Mortgages

Interest Only Lifetime Mortgages Crofted Houses

Pure Retirement Equity Release

LV Equity Release

What percentage can be released?

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

Wealthy business owners who could benefit from equity release estate planning

Mining of iron ores Barnard Castle
Cold drawing of wire Cirencester
Production of electricity Porthleven
Manufacture of pumps Bentham
Activities of other holding companies n e c Rochester
Cold forming or folding Kempston
Portrait photographic activities Grange-over-Sands
Manufacture of prepared meals and dishes Lynton & Lynmouth
Aluminium production Harrogate
Non-life insurance Strood
Retail sale of fruit and vegetables in specialised stores in Immingham
Publishing of consumer and business journals and periodicals Barnes
Wholesale of pharmaceutical goods Eccleshall
Construction of railways and underground railways Grimsby
Freshwater aquaculture Wimbledon
Manufacture of professional and arcade games and toys Staines-upon-Thames
Manufacture of margarine and similar edible fats Macclesfield
Residents’ property management Hastings
Manufacture of metal structures and parts of structures Cleator Moor
Manufacture of women’s underwear Chertsey
Fund management activities Whitby
Agents selling agricultural raw materials, livestock, textile raw materials and semi-finished goods Leigh
Sawmilling and planing of wood Dronfield
Support services to forestry St Blaise

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