Lifetime Mortgage Direct Lender

Retirement Mortgage Direct Lender
  • Remove tax-free money from your property
  • No need to make regular monthly payments
  • Help your family to buy house
  • Are you still paying a mortgage? That’s fine we can help
  • Continue to live in your own home
  • Can help tax planning
  • No brokers fees charged
  • Pre-fabricated property titles are OK

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 just want a conventional mortgage at 3.97% regardless of your age please Click Here

retirement mortgages
equity release
retirement mortgages interest only
Over 55
lifetime mortgage interest only
pensioner mortgage
Over 55
pensioner mortgages interest only
  • Free No Obligation Quote

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

equity release
interest only lifetime mortgage
retirement mortgage
retirement mortgages

How much is it common to release from a home

  • 55% home reversion plans LV Liverpool Victoria
  • 60% LTV lifetime mortgage with flexible drawdown cash release Aviva
  • 35% loan to value interest-only lifetime mortgages Pure Retirement
  • 45% LTV monthly payment life time mortgage Foundation Home Loans
  • 60% loan to value (LTV) lifetime mortgage with flexible drawdown cash release Together Money
  • 30% LTV monthly payment equity release Coventry Building Society-Godiva

It is usual to discover people searching for monthly payment life time mortgage, monthly payment life time mortgage or monthly payment equity release, however, Key Retirement like LV Liverpool Victoria are keen to see paperwork to show your personal circumstances in the form of investment statements.

Areas in the UK where retirement mortgages are routine

  • Leigh
  • Market Harborough
  • Telscombe
  • Ledbury
  • Maltby
  • Ilkeston
  • Wolsingham
  • Ilkley
  • Tenterden
  • Ipswich
  • Wareham
  • Boroughbridge
  • Brighouse
  • Stevenage
  • Highworth
  • Billericay
  • Filton

What percentage can be released?

The more aged you are and the sicker you are the more tax free money you can release.

The 1st and 2nd charge lender will want to know if the property is a Semi detached freehold house or a Leasehold house and if the resident is an Owner Occupier Primary Residence.

Crown

More2Life Lifetime Mortgages

One Family Mortgages

Just Lifetime Mortgages

LV Retirement Mortgages

Small business owners detail likely with equity to release

  • Manufacture of paper stationery Sandhurst
  • Mining of uranium and thorium ores Ramsey
  • Publishing of newspapers Alford
  • Motion picture, video and television programme post-production activities Crowborough
  • Manufacture of other general-purpose machinery n e c Edgware
  • Retail sale of clothing in specialised stores Beaminster
  • Manufacture of women’s underwear Stotfold
  • Retail sale of hardware, paints and glass in specialised stores Hebden Royd
  • Manufacture of dyes and pigments Wadhurst
  • Manufacture of non-electric domestic appliances Great Yarmouth
  • Non-scheduled passenger air transport Letchworth Garden City
  • Wholesale of waste and scrap Halesowen
  • Manufacture of plastic plates, sheets, tubes and profiles Modbury
  • Management of real estate on a fee or contract basis Kidsgrove
  • Agents involved in the sale of furniture, household goods, hardware and ironmongery Dunwich
  • Retail sale of watches and jewellery in specialised stores Brandon
  • Manufacture of beer Northleach with Eastington
  • Manufacture of taps and valves Cheadle
  • Marine aquaculture South Molton
  • Manufacture of veneer sheets and wood-based panels Dursley
  • Web portals Woodbridge
  • Quarrying of ornamental and building stone, limestone, gypsum, chalk and slate Moretonhampstead
  • Manufacture of photographic and cinematographic equipment Boroughbridge
  • Electrical installation Bottesford
  • Manufacture of metal forming machinery Swanscombe and Greenhithe
Retirement Mortgage Equity Release Over 55 for 2024
Properties Involved In Commercial Farming

Pensioner Mortgage Direct Lender

Pure Retirement - Classic Super Lite Plan
Legal & General Home Finance lifetime mortgage
Pure Retirement - Classic Super Lite
Canada Life - Lifestyle Lite
Hodge Lifetime - Flexible Repayment Plan - NO Early Repayment Charges
Aviva lifetime mortgage

Equity Release UK Providers

  • Just Retirement
  • More to Life
  • Sunlife Plans

Downsides of Lifetime Mortgages

Monthly payment equity release can reduce your estate value. Home reversion schemes may impact entitlements to state benefits. You may need to pay a solicitor’s fee and you could have higher rates to pay with some schemes.

Interest Only Lifetime Mortgages Direct Lender

  • More 2 Life Capital Choice Plus Plan
  • Canada Life Lifestyle Gold Flexi
  • L&G Legal & General Premier Flexible Lifetime Mortgage
  • Nationwide Equity Release
  • HSBC Equity Release Schemes
  • Saga Lifetime Mortgage
  • Just retirement equity release key features
  • Liverpool Victoria LV Equity Release
  • NatWest Equity Release Schemes
  • Royal Bank of Scotland Lifetime Mortgage
  • Saga Equity Release Plans
  • Canada Life Interest Select Gold Flexi
  • Hodge Lifetime Flexible Drawdown Plan
  • More 2 Life Capital Choice Plan
  • Hodge Lifetime Flexible Voluntary Repayment Plan
  • L&G Legal & General Flexi Max Voluntary Repayment Plan
  • Royal Bank of Scotland Equity Release Schemes

Difficult to finance home variants include properties in the course of construction or pre-construction, properties where the ownership is set up on a tenancy in common basis, right to buy – properties in Scotland, leasehold properties (with the exception of flats and maisonettes) and freehold flats (England, Wales, Northern Ireland).

Common pensioner mortgage products are TSB interest only lifetime mortgages, Barclays Bank lifetime mortgages, Halifax remortgages for people over 50 years old, L&G later life borrowing schemes and Nationwide Building Society help to buy for over 60s.

Difficult to mortgage home variants include difficult roof structures, properties with spray foam insulation applied to the underside of the roof, studio flats located within the M25, freehold/feuhold flats (Scotland only) and privately developed flats in blocks of three or four storeys without a lift.

Some of the most common loan to value ratios of TSB remortgages for people over 50 years old, HSBC later life interest only mortgages over 70, NatWest over 60 mortgages, Legal & General retirement mortgagesover 65, RBS lifetime mortgages for over 60s and Nationwide BS over 60 mortgages are 40%, 60% and 65%.

Tough to mortgage home variants can include flats of less than 30 square metres in any location, properties with flying or creeping freehold which comprises 15% or less of the total floor area, properties with more than one annexe or self-contained part of the property, properties with mobile phone masts which are not within influencing distance of the house and properties adversely affected by existing or proposed issues including roads, rail, airports, power plants, power lines/pylons, wind turbines, sub stations, sewage works, quarries, fuel stations, refuse sites, sports grounds, noise, light or environmental pollution.

Challenging to finance home titles can include properties will be assessed for flood risk, properties close to mining works, areas of landfill, areas of recent flooding or subsidence, property is uninhabitable, mundic homes and Reema Hollow panel, Schindler and Hawksley SGS, Stent, Stonecrete, Stour, Tarran, Underdown, Unity and Butterley, Waller, Wates, Wessex, Winget and Woolaway.

How much cash can I release?

You can get 60% of your home’s value. For example, if your house is valued at £330,000 you can release £231,000.