Lifetime Mortgage Declined

Retirement Mortgage Declined

  • Continue to stay in your house
  • Could be used to help tax planning
  • Product not affected by corona virus-covid 19 crisis
  • All areas of the UK are acceptable
  • Freehold flats are acceptable

If you don’t want a lifetime mortgage or equity release, and just want a normal mortgage at 1.97% regardless of your age please Click Here

  • Your Requirements

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

  • Date Format: DD dash MM dash YYYY
  • By clicking Submit and ticking the box above you agree to be contacted by an FCA authorised advisor and confirm that you have read and agreed to our Terms & Conditions and our Privacy Policy.

Not interested in equity release? Do you just want a conventional mortgage at 1.97% regardless of your age please Click Here

lifetime mortgage
lifetime mortgage
interest only lifetime mortgage
retirement mortgages

  • Get a RIO mortgage before Brexit ruins house prices

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

  • Please enter a number from 25 to 95.
  • By clicking Submit and ticking the box above you agree to be contacted by email or telephone by an FCA authorised equity release advisor and confirm that you have read and agreed to our Terms & Conditions and our Privacy Policy

pensioner mortgages interest only
retirement mortgages interest only

It’s usual to discover individuals looking for monthly payment life time mortgage, monthly payment lifetime mortgage or monthly payment equity release, however, Aviva like The Exeter Equity Release are keen to see paperwork to show your situation in the form of investment statements.

Pensioner Mortgage Declined



  • More 2 Life Tailored Choice Plan
  • Bridgewater Equity Release Plans
  • Just Retirement Interest Only Lifetime Mortgage
  • Lloyds Bank Equity Release Plans
  • TSB Lifetime Mortgage
  • Saga home reversion schemes
  • Age Partnership Lifetime Mortgage
  • L&G Legal & General Flexi Max Voluntary Repayment Plan
  • Liverpool Victoria LV Equity Release Plans
  • Age Partnership Equity Release Plans
  • Aviva Lifetime Mortgages
  • Canada Life Landlord Voluntary Select Plan
  • Hodge Lifetime Mortgage Flexible Drawdown Plan
  • L&G Legal & General Flexible Max Scheme
  • Nationwide Equity Release Schemes
  • Canada Life Landlord Voluntary Select Plan
  • More to Life Capital Choice Plus Plan
  • Pure Retirement Equity Release
  • HSBC Equity Release
  • TSB Equity Release Schemes
  • Saga home reversion schemes


Providers for Equity Release

  • Legal and General
  • Stonehaven
  • Bower


Drawbacks of Equity Release Schemes

Home reversion plans can reduce the value of your estate. Monthly payment life time mortgage may impact ability to get state benefits. You may need to pay a solicitor’s fee and you could be exposed to changes in interest rates with some products.

Successful business owners who could benefit from Home Reversion Scheme tax planning

  • Manufacture of photographic and cinematographic equipment Upton-upon-Severn
  • Wholesale of sugar and chocolate and sugar confectionery Cotgrave
  • Child day-care activities Minster
  • Freight transport by road Tipton
  • Other building completion and finishing Ulverston
  • Manufacture of railway locomotives and rolling stock Hebden Royd
  • Growing of sugar cane Hemsworth
  • Urban planning and landscape architectural activities Ampthill
  • Floor and wall covering Potton
  • Quarrying of ornamental and building stone, limestone, gypsum, chalk and slate Pocklington
  • Repair of other equipment Dawlish
  • Installation of industrial machinery and equipment Crowland
  • Other manufacturing n e c Horwich
  • Retail sale by opticians Wells-next-the-Sea
  • Central banking Maidenhead
  • Manufacture of non-electric domestic appliances Wellington
  • Distribution of gaseous fuels through mains Deal
  • Copper production Alston
  • Manufacture of other chemical products n e c Bottesford
  • Washing and dry- cleaning of textile and fur products Keynsham
  • Operation of historical sites and buildings and similar visitor attractions Hessle
  • Sale, maintenance and repair of motorcycles and related parts and accessories Sandown
  • Manufacture of air and spacecraft and related machinery Sedbergh


Equity Release LTV Percentages

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

Areas where retirement mortgages are popular

  • Trowbridge
  • Spilsby
  • Woodbridge
  • Lowestoft
  • Bradninch
  • Wimbledon
  • Ponteland
  • New Alresford
  • Eastbourne
  • Royal Wootton Bassett
  • Cleator Moor
  • Fleetwood
  • Fordingbridge

Aviva lifetime mortgage

LV= Flexible Lifetime Mortgage

Premier Flexible Black

Pure Retirement Ltd lifetime mortgage

Just Retirement - Roll-Up Lifetime Mortgage

Interest Only Lifetime Mortgages Declined

The mortgage lender will want to know if the property is a Detached freehold house or a Leasehold flat with share of freehold and if the resident is an Assured shorthold tenancy tenant.

What percentage can be released?

  • 60% home reversion schemes AIG Life
  • 40% loan to value monthly payment lifetime mortgage Crown
  • 25% LTV home reversion schemes Spring Finance
  • 25% LTV monthly payment equity release Chelsea Building Society
  • 50% loan to value (LTV) interest-only lifetime mortgages Together Money
  • 35% loan to value lump sum lifetime mortgages Shawbrook

Monmouthshire Building Society

More2Life Equity Release

LV Drawdown Lifetime Mortgages

Crown Equity Release

RIO Age 49 in 2020