- Release money from your house
- No regular monthly payments
- Help a family member buy their own home with a smaller mortgage
- Still, have a few more mortgages payments to make? We can help with that
- Stay living in your own property
- Often used to optimise tax planning
- No lender fee charged
- All UK Postcodes are acceptable
- Prefabricated properties 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
Not interested in equity release? Do you just want a conventional mortgage at 3.97% regardless of your age please Click Here
- Canada Life Voluntary Select Gold Flexi
- Liverpool Victoria LV= Flexible Lifetime Mortgage
- Pure Retirement Equity Release Plans
- Stonehaven Equity Release Plan
- Lloyds Bank Equity Release
- TSB Lifetime Mortgage
- Royal Bank of Scotland Equity Release Schemes
- Bridgewater Equity Release Plans
- More2Life Flexi Choice Drawdown Lite Plan
- Just Retirement Equity Release Schemes
- L&G Legal & General Flexible Plus Lifetime Mortgage
- Liverpool Victoria LV= Flexible Lifetime Mortgage
- Pure Retirement Equity Release
- Stonehaven Equity Release Plan
- Aviva Lifetime Mortgage
- L&G Legal & General Flexi Max Voluntary Repayment Plan
- Pure Retirement Classic Drawdown Lite Plan
Business owners who could benefit from equity release tax planning
- Manufacture of caravans Epworth
- Freight air transport Orford
- Manufacture of sugar confectionery Watton
- Cargo handling for water transport activities Earby
- Manufacture of plastics and rubber machinery St Blaise
- Manufacture of glass fibres Denholme
- Raising of other cattle and buffaloes Crosby
- Manufacture of batteries and accumulators Garstang
- Production of abrasive products Syston
- Manufacture of loaded electronic boards Hemel Hempstead
- Floor and wall covering Hoddesdon
- Management of real estate on a fee or contract basis Kingston-upon-Thames
- Printing n e c Barnoldswick
- Manufacture of other inorganic basic chemicals Tipton
- Other manufacturing n e c Exmouth
- Painting Saffron Walden
- Other service activities n e c Longridge
- Other building completion and finishing Leominster
- Remediation activities and other waste management services Woodstock
- Other residential care activities n e c Market Rasen
- Distribution of electricity Ipswich
- Public order and safety activities Penwortham
- Precious metals production Basingstoke
- Manufacture of watches and clocks Thaxted
- Residential nursing care facilities Ramsgate
- Translation and interpretation activities Bentham
The mortgage lender will want to know if the property is a Freehold terraced house or a Leasehold house and if the resident is an AST Tenant.
Drawbacks of Lifetime Mortgages
Interest-only lifetime mortgages can reduce the inheritance for your family. Monthly payment life time mortgage may impact ability to claim benefits. You may need to pay an advisor’s fee and some products expose you to changes in interest rates.
Canada Life Lifetime Mortgages
Interest Only Lifetime Mortgages Ex Council Properties Ex-Housing Association
It’s usual to find people searching for monthly payment equity release, lump sum life time mortgages or monthly payment equity release, however, Legal and General like AA equity release are keen to see proof of your personal situation in the form of pension statements.
Equity Release percentages of your current property value
- 60% lumpsum lifetime mortgages Legal & General
- 25% loan to value (LTV) monthly payment equity release Stafford Railway Building Society
- 35% loan to value interest-only lifetime mortgages LV lifetime mortgage
- 25% loan to value monthly payment equity release Optimum
Equity Release LTV Percentages
The more aged you are and the sicker you are the more cash you can release.
Pensioner Mortgage Ex Council Properties Ex-Housing Association
Difficult to mortgage home types include properties where proposed building works have not yet commenced, properties where multiple third parties are living in an annexe, feuhold/freehold properties (including flats) in Scotland, properties with unregistered titles subject to these being registered as part of the legal process and properties owned under any form of shared equity scheme.
Common pensioner mortgage products are Lloyds Bank interest only mortgages for over 70s, HSBC help to buy for over 60s, Post Office lifetime mortgages, Legal & General interest only mortgages for over 60s near London and Nationwide Building Society RIO mortgages.
Difficult to mortgage home variants include difficult roof structures, properties with pre 1945 asbestos or similar composition roof tiles, steel frame/clad properties built before 1990, studio flats outside the M25 and properties where the flat is accessed via a deck or balcony.
Popular loan to value percentage ratios of TSB interest only mortgages for people over 70, Barclays Bank later life interest only mortgages over 75, Halifax mortgages for over 70s, L&G interest only mortgages for over 70s, RBS mortgages over 65 and Nationwide Building Society equity release schemes for people over 70 are 50%, 55% and 70%.
Tough to finance property variants can include grade ll Listed houses (grade C in Scotland and B2 in Northern Ireland), properties converted from modern commercial premises, properties with a small number of solar panels or a wind turbine on the land for domestic use, properties with flying or creeping freeholds which comprise over 15% of the total floor area and properties in coastal areas that may be affected by erosion.
Tough to mortgage property 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 concrete frame.
Equity release loan to value?
You can achieve 60% of your property’s value. For example, if your house is worth £360,000 you can release £252,000.
- RIO Dudley Building Society UK
- Bad Credit Mortgages Declined for 2023
- Refinance Direct Line UK
- Equity Loan No Credit Check for 2023
- Equity Loan Age 40 UK
- Remortgage Bad Credit Age Restricted Properties in 2023
- Remortgage Ipswich Building Society Mortgages in 2023
- Equity Loan Under 50 in 2023
- Interest Only Mortgage Kensington Mortgage Company for 2023
- Home Equity Loan Marsden Bs UK
- Retirement Mortgage Intelligent Finance in 2023
- Bad Credit Mortgages Best Retirement Interest Only Mortgages for 2023
- Refinance Family Building Society UK
- Interest Only Mortgage First Active for 2023
- RIO Cob Construction House UK
- Pensioner Mortgage Age 45 in 2023
- Refinance External Walls Built Entirely Of Single Skin Brickwork UK
- Interest Only Lifetime Mortgages Pre-Fabricated Properties UK
- RIO Earl Shilton Building Society in 2023
- RIO Age 48 UK
- Refinance Keystone Property Finance for 2023
- Ge Money Home Lending Ltd
- RIO New Street Mortgages in 2023
- Equity Loan Itl Mortgages in 2023
- Remortgage Bad Credit Hinckley And Rugby Building Society in 2023
- Bad Credit Mortgages Darlington Building Society in 2023
- Retirement Mortgage Properties Valued At Less Than £100000 UK
- Interest Only Mortgage Bank Of Ireland Mortgages for 2023
- Refinance Mansfield Building Society Interest Rates UK
- Interest Only Mortgage Manchester Building Society UK
- Pensioner Mortgage Kent Reliance UK
- Interest Only Lifetime Mortgages Ahli United Bank in 2023
- RIO Age 47 UK
- Remortgage Buckinghamshire Building Society in 2023
- Pensioner Mortgage No Broker Fee UK
- Refinance Cynergy Bank for 2023
- Equity Loan Greater London in 2023
- Home Equity Loan No Early Repayment Charges in 2023
- Retirement Mortgage Age 53 UK
- Refinance Freehold Flat UK
- Pensioner Mortgage Daily Telegraph for 2023
- Equity Loan Category A & B Listings Scotland Listed for 2023
- Leeds Building Society
- Home Equity Loan Pepper Money UK
- RIO Landmark Mortgages in 2023
- Equity Loan Drawdown in 2023
- Remortgage Magellan Homeloans in 2023
- RIO Bradford & Bingley Plc for 2023
- Remortgage Fleet Mortgages UK
- Bad Credit Mortgages Godiva Mortgages Ltd for 2023
- Retirement Mortgage Foreign Nationals UK
- Equity Loan More To Life UK
- RIO For Self Build in 2023
- RIO Market Harborough Building Society in 2023
- Pensioner Mortgage Freehold Held By Local Authority in 2023
- Bad Credit Mortgages Asbestos Sheet for 2023
- Pensioner Mortgage Mod Or Housing Association Houses And Bungalows in 2023
- Interest Only Mortgage Pitched Roofs Of Asbestoscement Tiles UK
- Remortgage Bad Credit Bluestone Mortgages for 2023
- Interest Only Mortgage Mortgage Agency Services UK
- Refinance Halifax for 2023
- Equity Loan Properties Built Entirely Of Timber Or Timber Frame in 2023
Equity Release UK Lenders
- the Telegraph
- Pure Retirement
- Aviva
Towns in the UK where retirement mortgages are routine
- Cleckheaton
- Whitby
- Billingham
- Saxmundham
- Wimbledon
- Corringham
- Ashby Woulds
- Morecambe
- Spilsby
- Horley
- Bourne
- Whitnash