Remove tax-free cash from your home with First Direct Equity Release
There is no valuation fee to pay
Use the money for anything you like
Do you still have a mortgage? No problems
Continue to live in your own home
Often used to help with tax planning
Wimpey No fines construction properties are acceptable
4.82%

Loan-to-value for equity release?

You can get 60% of your property’s value. For example, if your house is worth £270,000, you can get £162,000.

If you don’t want a lifetime mortgage or equity release, and want a standard interest-only mortgage at 4.78%, regardless of your age, please Click Here

Free No Obligation Quote
How Much Would You Like Release/Borrow?*
Please enter a number from 6000 to 2000000.
Estimated Value Of The Property?*
Total amount of mortgage/loans you have on your home if any?
About You
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 interest-only mortgage at 4.78% regardless of your age please Click Here

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

More2Life Equity Release

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One Family Drawdown Lifetime Mortgages

LV Drawdown Lifetime Mortgages

More2Life Capital Choice Plus Plan
TSB Lifetime Mortgage
Age Partnership Equity Release Schemes
Bridgewater Equity Release
Hodge Lifetime Flexible Drawdown Plan
Nationwide Equity Release Schemes
TSB Equity Release Plans
Aviva Equity Release Schemes
Bridgewater Equity Release
Hodge Indexed Lifetime Mortgage
Nationwide Equity Release Schemes
HSBC Equity Release Plans
Lloyds Bank Equity Release Schemes
Saga home reversion plan
Aviva Equity Release
Bridgewater Equity Release Schemes
Canada Life Lifestyle Gold Flexi
Nationwide Equity Release
Lloyds Bank Equity Release Plans
More 2 Life Capital Choice Plan

Equity Release Loan-To-Value – Equity Release First Direct

The more elderly you are and the sicker you are, the more tax-free money you can release.

Interest Only Lifetime Mortgages Danske Bank in 2026

Areas where equity release is popular – Equity Release First Direct

Edgware
New Romney
Camborne
Dorking
Towcester
Winsford
Northallerton
Wath-upon-Dearne
Chilton
Bulwell
Glossop
Appleby-in-Westmorland
Hebden Royd
Queenborough-in-Sheppey
Seaham
Stony Stratford
Hungerford
Northleach with Eastington
Hawkinge

Interest Only Lifetime Mortgages More Than Two Borrowers for 2026

Pensioner Mortgage First Direct

Legal & General - Premier Flexible Black

Legal & General Home Finance lifetime mortgage

Examples of small business owners with home equity to release

Buying and selling of own real estate Sutton
Agents involved in the sale of furniture, household goods, hardware and ironmongery Leek
Wholesale of fruit and vegetable juices, mineral water and soft drinks Brackley
Manufacture of motorcycles Stroud
Activities of conference organisers Liskeard
Activities of credit bureaus Newton Aycliffe
Manufacture of watches and clocks Waltham Cross
Other software publishing Ramsey
Sale of used cars and light motor vehicles Mere
Activities of head offices Saffron Walden
Wholesale of computers, computer peripheral equipment and software New Romney
Collection of hazardous waste Wragby
Manufacture of beer Wokingham
Precious metals production St Mary Cray
Other residential care activities n e c Cirencester
Retail sale of watches and jewellery in specialised stores Mitcheldean
Environmental consulting activities Leighton-Linslade
Manufacture of imitation jewellery and related articles Canvey Island
Manufacture of medical and dental instruments and supplies Torquay
Technical and vocational secondary education Shefford
Other credit granting n e c Ealing
Other processing and preserving of fruit and vegetables Thaxted

What LTV percentage can be released in 2026?

60% lifetime mortgage with flexible drawdown cash release Fortify Insurance Solutions
45% loan-to-value lump sum lifetime mortgages New Life
25% loan to-value (LTV) interest-only lifetime mortgages United Trust Bank
45% LTV monthly payment life time mortgage Shawbrook
25% loan-to-value monthly payment equity release Equity Release No Personal Details
25% loan to-value (LTV) lifetime mortgage with flexible drawdown cash release Prestige Finance
25% LTV interest-only Equity Release First Direct

Interest Only Lifetime Mortgages First Direct

UK Lenders for Equity Release are similar to First Direct Equity Release

Key Retirement
Stonehaven
Lifetime Mortgage from L&G

Downsides of First Direct Equity Release

Monthly payment equity release can reduce your estate value. A lifetime mortgage with a flexible drawdown cash release may affect your eligibility for state benefits. You may need to pay a valuation fee, and with some products, you could be exposed to changes in interest rates.

It’s often found that people are looking for lump-sum lifetime mortgages, monthly-payment lifetime mortgages, or home reversion plans; however, Just Retirement, like AA equity release, is keen to see evidence of your situation in the form of pension statements.