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





- 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






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






- Equity Loan Aviva UK
- Hsbc
- Interest Only Lifetime Mortgages Yorkshire Bank for 2025
- Remortgage Bad Credit Penrith Building Society in 2025
- Home Equity Loan More To Life in 2025
- Equity Loan Pepper Money for 2025
- Interest Only Lifetime Mortgages Secure Trust Bank in 2025
- RIO No Advisor Fee UK
- Refinance Hodge UK
- Pensioner Mortgage In-Situ Cast Concrete Properties for 2025
- Remortgage Bad Credit West Yorkshire Leeds Bradford in 2025
- Bad Credit Mortgages Age 44 for 2025
- Refinance Tipton And Coseley Building Society UK
- Pensioner Mortgage Ipswich Building Society Mortgages UK
- Bad Credit Mortgages Wolverhampton for 2025
- Home Equity Loan Clydesdale Bank for 2025
- Pensioner Mortgage More Than Two Borrowers for 2025
- Remortgage Virgin Money UK
- Remortgage Bradford & Bingley Plc UK
- Home Equity Loan Prefabricated Concrete Houses in 2025
- Interest Only Lifetime Mortgages Skipton Building Society for 2025
- Interest Only Mortgage Under 45 for 2025
- Refinance for Build in 2025
- Remortgage Handelsbanken UK
- RIO Itl Mortgages in 2025
- Home Equity Loan Property Is Grade 1 Listed in 2025
- Equity Loan Property With Solar Farms Wind Turbines Mobile Masts in 2025
- Pensioner Mortgage Properties More Than Five Acres Of Land in 2025
- Properties High Risk To Subsidence Or Movement
- Refinance Under 40 for 2025
- Remortgage Precast Reinforced Concrete Prc Properties UK
- Refinance Housing Association Or Social Housing UK
- Pensioner Mortgage Hanley Mortgages UK
- Pensioner Mortgage Mortgage Agency Services in 2025
- Equity Loan Allied Irish Bank Aib in 2025
- Home Equity Loan No Credit Check in 2025
- Equity Loan Yorkshire Building Society Bs Ybs in 2025
- Refinance Tsb Bank for 2025
- Refinance Roll-Up UK
- Home Equity Loan Hanley Economic Building Society in 2025
- Pensioner Mortgage Wimpey No Fines Construction in 2025
- Refinance Chorley Building Society in 2025
- Refinance Remote Rural And Agricultural Properties in 2025
- Refinance
- RIO Category A & B Listings Scotland Listed UK
- Home Equity Loan Equity Release Over 55 for 2025
- Interest Only Lifetime Mortgages M&S Bank in 2025
- Home Equity Loan Harpenden Building Society UK
- RIO Corrugated Iron Roofs Property-Iron in 2025
- Equity Loan Age 50 UK
- Pensioner Mortgage More To Life for 2025
- Retirement Mortgage Belfast Northern Ireland in 2025
- Remortgage Bad Credit Swansea Building Society UK
- Pensioner Mortgage No Broker Fee UK
- Refinance Category C S Listing Scotland Listed UK
- Interest Only Lifetime Mortgages Ge Money Home Lending Ltd for 2025
- Bad Credit Mortgages Pensioners Over 65 UK
- Retirement Mortgage Age 47 UK
- Refinance Melton Mowbray UK
- Refinance Under Power Of Attorney for 2025
- Home Equity Loan Keystone Property Finance for 2025
- Interest Only Lifetime Mortgages Bad Credit for 2025
- Home Equity Loan Properties With A Steel Frame Bisf UK
- Equity Loan Age 49 in 2025
- Remortgage Bad Credit Retirement Advantage UK
- Pensioner Mortgage Move Provider UK
- Remortgage Bad Credit Iva in 2025











Legal and General Retirement Mortgages
Interest Only Lifetime Mortgages Crofted Houses
Pure Retirement 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