Lifetime Mortgage for Crofted Houses

Equity Release
  • 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

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

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

lifetime mortgage interest only rates
lifetime mortgage interest only
  • Free No Obligation Quote

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

equity release
pensioner mortgage
  • 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

  • 55% 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
  • 55% loan to value (LTV) monthly payment lifetime mortgage 1st Stop Home Loans
Equity Loan Hsbc for 2024

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%, 55% 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 15% 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.

Aviva lifetime mortgage

Pensioner Mortgage Crofted Houses

Canada Life Home Finance lifetime mortgage for properties in Scotland
Aviva lifetime mortgage with cashback
More2Life - Flexi Choice Lite
Pure Retirement Ltd joint lifetime mortgage
Pure Retirement Ltd lifetime mortgage
Legal & General - Flexible Yellow
Refinance Repayment Option 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 more aged 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