No monthly payments with Direct Line Equity Release
Are you still paying a mortgage? We can help with that
Often used as a vehicle to reduce tax bills
4.81%
No lender fees charged
Clay lump construction homes are acceptable

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
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 just want a conventional mortgage at 3.97% regardless of your 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:*

It’s very regular to discover individuals looking for lump sum lifetime mortgages, monthly payment lifetime mortgages, or home reversion plans. However, Key Retirement, like Royal London Equity Release, is keen to see paperwork showing your circumstances in the form of investment statements.

Pitfalls of Equity Release Schemes

Interest-only lifetime mortgages can reduce the value of your estate. Home reversion plans may impact the ability to get state benefits. You may need to pay a solicitor’s fee, and some products may expose you to changes in interest rates.

Difficult-to-mortgage property types include homes requiring essential repairs, properties where tenants live in a self-contained part of the property, leasehold properties where the lease length is currently unacceptable, properties with unregistered titles subject to these being registered as part of the legal process and properties with leased solar panels.

Appealing retirement finance offerings are Lloyds mortgages for people over 70, Barclays Bank mortgages for people over 60, Halifax RIO mortgages, Legal & General later life interest-only mortgages, and Nationwide Building Society interest-only mortgages for people over 60.

Hard-to-mortgage property types can include eco houses and modern construction methods, timber-framed properties built between 1920 and 1965, studio flats located within the M25, privately developed flats in blocks of five storeys or more, and freehold flats (England, Wales, Northern Ireland).

Popular LTV ratios of Lloyds Bank interest only mortgages for people over 70, Barclays later life interest-only mortgages over 70, Post Office retirement mortgages over 70, Legal and General over 60 mortgages, Royal Bank of Scotland later life interest-only mortgages over 60 and Nationwide later life interest only mortgages over 75 are 44.22%, 60% and 70%.

Does Direct Line offer mortgages up to 85?

Yes, Direct Line offers mortgages up to 85 at 1.97% MER, with an LTV of 54.22%.

Does Direct Line offer later-life lending to those Under 55?

Yes, Direct Line later life lending Under 55 is 1.86% APR.

Do Direct Line do mortgages over 70?

Yes, Direct Line mortgages over 70 are 2.08% MER.

Does Direct Line do mortgages over 75?

Yes, Direct Line mortgages over 75 are 2.04.22% MER.

Does Direct Line do later life lending?

Yes, Direct Line later life lending is 1.8% APR.

What are Direct Line interest rates for retirement mortgages?

Direct Line interest rates for retirement mortgages are 1.87% MER.

Does Direct Line have favourable reviews for pensioner mortgages?

Yes, Direct Line reviews are commendable for pensioner mortgages.

Does the Direct Line rio mortgage calculator show the loan to value?

Yes, the Direct Line RIO mortgage calculator shows a favourable loan to value of 64.22%.

Does a Direct Line retirement interest only mortgage advisor charge a large fee?

No, Direct Line retirement interest only mortgage advisors are free.

Do Direct Line offer mortgages over 60?

Yes, Direct Line mortgages over 60 are 2.24.22% MER.

Do Direct Line offer mortgages over 55?

Yes, Direct Line mortgages over 55 are 2.21% MER.

Challenging to mortgage property variants can include flats of less than 30 square metres in any location, properties with grounds in excess of five acres, use of the land and any outbuildings for a small amount of personal commercial use., properties that have solar farms or a large number of wind turbines on the land and properties where Japanese Knotweed is present.

Challenging to mortgage property titles include properties with legal agreements such as Overage, Clawback, Option, Pre-emption, or any onerous Restrictive Covenant, properties close to mining works, areas of landfill, areas of recent flooding or subsidence, some properties with sitting tenants or regulated tenancies, thatched buildings and Reema Hollow panel, Schindler and Hawksley SGS, Stent, Stonecrete, Stour, Tarran, Underdown, Unity and Butterley, Waller, Wates, Wessex, Winget and Woolaway.

How much money can I release?

You can borrow 60% of your property’s value. As an example, if your house is valued at £270,000 you can borrow £162,000.

Pensioner Mortgage Itl Mortgages for 2025

Remortgage Bad Credit Mod Or Housing Association Houses And Bungalows UK

Interest Only Lifetime Mortgages Clydesdale Bank UK

L&G Legal & General Flexi Max Voluntary Repayment Plan
More2Life Flexi Choice Voluntary Payment Super Lite
direct line mortgages
Royal Bank of Scotland Interest Only Lifetime Mortgage
Just Retirement Equity Release
L&G Legal & General Premier Flexible Lifetime Mortgage
Pure Retirement Lifetime Mortgage
Stonehaven Lifetime Mortgage
NatWest Interest Only Lifetime Mortgage
Pure Retirement Classic Voluntary Payment Super Lite
direct line mortgage
Saga home reversion plan
L&G Legal & General Flexible Plus Lifetime Mortgage
Liverpool Victoria LV= Flexible Lifetime Mortgage
Pure Retirement Lifetime Mortgage
Stonehaven Equity Release Scheme
TSB Equity Release
Saga home reversion plan
More 2 Life Capital Choice Plan

How much is it common to release from a homewith direct line loans

50% interest-only lifetime mortgages Old Mutual Wealth
60% loan to value (LTV) lumpsum lifetime mortgages Just Retirement
34.22% loan to value home reversion plans Foundation Home Loans

Equity Release percentages of your current property value

The older you are and the more serious your illnesses you are the more tax free cash you can release.

Business owners details likely with equity to release

Wholesale of pharmaceutical goods Batley
Growing of rice Buntingford
Activities of trade unions Great Dunmow
Manufacture of glues Woburn
Engineering related scientific and technical consulting activities Epworth
Distribution of gaseous fuels through mains Sale
Buying and selling of own real estate Oswestry
Production of abrasive products Nelson
Administration of financial markets Stamford
Botanical and zoological gardens and nature reserves activities Redenhall with Harleston
Raising of sheep and goats Bury
Pre-primary education Immingham
Operation of warehousing and storage facilities for land transport activities Romford
Raising of camels and camelids Ambleside
Publishing of newspapers Windermere
Manufacture of paints, varnishes and similar coatings, mastics and sealants Middlewich
Manufacture of homogenized food preparations and dietetic food Kirkby Lonsdale
Advertising agencies Royal Wootton Bassett
Building societies Bushey
Event catering activities Market Bosworth
Activities of patent and copyright agents; other legal activities n e c Meltham
Manufacture of railway locomotives and rolling stock Petersfield
Sale, maintenance and repair of motorcycles and related parts and accessories Exmouth
Retail of furniture, lighting, and similar not musical instruments or scores in specialised store Wembley
Regulation of and contribution to more efficient operation of businesses Bournemouth
Precious metals production Braunstone Town
Manufacture of pharmaceutical preparations West Bedlington
Manufacture of cordage, rope, twine and netting Preesall
Collection of hazardous waste Winsford