- No need to make regular monthly payments
- Are you still paying a mortgage? We can help with that
- Stay living in your own house
- Often used to manage inheritance tax bills
- Mortgage lender not impacted by corona virus
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
Towns where Lifetime Mortgages are routine
- Lechlade
- Warminster
- Hitchin
- Portland
- Kimberley
- Whitworth
- Altrincham
- Amersham
- Rugeley
- Lutterworth
- Blackwater and Hawley
Equity Release Scheme Providers
- the Telegraph
- Saga
- Aviva
Hard to finance property variants include properties in poor condition, entirely tenanted properties, leasehold properties where the lease length is currently unacceptable, crofted houses and freehold flats (England, Wales, Northern Ireland).
Some of the most common retirement finance offerings include Lloyds lifetime mortgages, Barclays Bank later life interest only mortgages over 70, Halifax help to buy for over 60s, Legal & General mortgages for over 65 and Nationwide later life interest only mortgages over 70.
Hard to mortgage property types can include timber framed properties built before 1920, properties with spray foam insulation applied to the underside of the roof, steel frame/clad properties built before 1990, coach houses i.e. freehold properties with garages beneath and basement or lower ground floor flats with level access to private or communal garden space.
Popular loan to value percentage ratios of Lloyds Bank interest only mortgages for over 65 year olds, Barclays Bank interest only mortgages for over 70s, Halifax mortgages over 65, L&G equity release schemes for over 55’s, Royal Bank of Scotland later life interest only mortgages over 70 and Nationwide later life interest only mortgages over 60 are 40%, 60% and 70%.
Challenging to finance home variants 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 without direct access to an adopted highway or which are accessed over an unmade road, properties where there is a self-contained part of the property or annexe, i.e. basement flat etc and properties in coastal areas that may be affected by erosion.
Challenging to finance home variants can include high service charges, leasehold properties with a short lease, typically less than 70 years, or a defective lease, derelict property or where part of the building is in severe disrepair and needs demolishing, mundic homes and concrete frame.
Loan to value for equity release?
You can achieve 65% of your home’s value. As an example, if your house is worth £350,000 you can borrow £245,000.
Pensioner Mortgage Flats Within A Block Of 4-5 Storeys Or More No Lift
Equity Release percentages of your current property value
- 55% home reversion plans The Exeter Equity Release
- 50% loan to value (LTV) monthly payment equity release Just Retirement
- 25% loan to value (LTV) home reversion schemes Masthaven
- 50% LTV lump sum lifetime mortgages Key Retirement
- 55% LTV lifetime mortgage with flexible drawdown cash release Norton Finance
- 30% LTV monthly payment equity release Prestige
- Banks Huntingdon
- Trade of electricity Horsforth
- Production of electricity St Neots
- Support services to forestry Bishops Waltham
- Public houses and bars Wallsend
- Ready-made interactive leisure and entertainment software development Wivenhoe
- General secondary education Maryport
- Liquid milk and cream production Southwell
- Scaffold erection Ealing
- Construction of railways and underground railways Horncastle
- Retail sale of hearing aids Mitcham
- Printing n e c Ashbourne
- Raising of other cattle and buffaloes Newbiggin-by-the-Sea
- Activities auxiliary to financial intermediation n e c Swanage
- Repair of machinery Dukinfield
- Manufacture of jewellery and related articles St Mawes
- Development of building projects Winslow
- Retail sale of automotive fuel in specialised stores Ellesmere
- Motion picture, television and other theatrical casting activities Clay Cross
- Manufacture of pulp Clitheroe
- Wholesale of fruit and vegetables Northwich
- Activities of tourist guides Ross-on-Wye
- Management of real estate on a fee or contract basis Fordbridge
- Manufacture of paper stationery Tewkesbury
- Manufacture of printed labels Padstow
- Wholesale of agricultural machinery, equipment and supplies Desborough
- Remortgage Bad Credit Prefabricated Concrete Houses UK
- Interest Only Mortgage Leasehold Houses in 2024
- Remortgage Bad Credit Precast Reinforced Concrete Prc Properties for 2024
- Refinance For 50-Year-Olds in 2024
- Bad Credit Mortgages Furness Building Society for 2024
- Remortgage Bad Credit Hinckley And Rugby Building Society in 2024
- Retirement Mortgage No Advisor Fee in 2024
- Home Equity Loan Market Harborough Building Society in 2024
- Pensioner Mortgage Move House for 2024
- Bad Credit Mortgages Onesavings Bank in 2024
- Equity Loan No Broker Fee UK
- Refinance Foundation Home Loans for 2024
- Interest Only Mortgage Paragon for 2024
- Refinance Properties Adjacent To Commercial Premises UK
- Home Equity Loan Age 47 UK
- Retirement Mortgage Monmouthshire Building Society UK
- Pepper Money
- Pensioner Mortgage Atom Bank for 2024
- Refinance Direct Line UK
- Home Equity Loan Cob Construction House for 2024
- Refinance Mod Or Housing Association Houses And Bungalows for 2024
- Remortgage Bad Credit Pensioners Over 65 for 2024
- Remortgage Bad Credit Handelsbanken in 2024
- Pensioner Mortgage Properties That Have A Flat Roof in 2024
- Remortgage Marsden Bs in 2024
- Retirement Mortgage Mansfield Building Society Interest Rates in 2024
- Interest Only Lifetime Mortgages No Early Repayment Charges for 2024
- Interest Only Lifetime Mortgages Belfast Northern Ireland in 2024
- Remortgage Bad Credit Leeds Building Society for 2024
- Refinance Category C S Listing Scotland Listed UK
- Equity Loan In-Situ Cast Concrete Properties UK
- RIO Laing Easiform Homes in 2024
- Equity Loan Kensington Mortgage Company for 2024
- Interest Only Mortgage Leeds And Holbeck Building Society UK
- RIO Capital Home Loans in 2024
- Refinance Ex Local Authority Flats Or Maisonettes in 2024
- Refinance Chelsea Building Society in 2024
- Drawdown
- Interest Only Mortgage Mortgage Express UK
- Refinance Mortgage Agency Services in 2024
- RIO M&S Bank for 2024
- Equity Loan Age 53 UK
- RIO In House Under 55 UK
- Remortgage New Street Mortgages for 2024
- Refinance Properties Purchased Through A Right To Buy Scheme in 2024
- Equity Loan Freehold Held By Local Authority in 2024
- Interest Only Mortgage Landbay for 2024
- Equity Loan Halifax for 2024
- Bad Credit Mortgages Ex Council Properties Ex-Housing Association in 2024
- Refinance Fleet Mortgages in 2024
- Interest Only Lifetime Mortgages Pitched Roofs Of Asbestoscement Tiles for 2024
- RIO Hodge in 2024
- RIO Family Building Society in 2024
- RIO Clydesdale Bank UK
- Equity Loan Age 40 UK
- Retirement Mortgage Annexe Self Contained Granny Flats in 2024
- Retirement Mortgage Ge Money Home Lending Ltd for 2024
- Refinance JPMorgan Chase Bank in 2024
- RIO Bank Of Ireland Mortgages for 2024
- Age 49
The mortgage lender will want to know if the property is a Freehold house or a Leasehold house and if the resident is an AST Tenant.
Equity Release percentages of your current property value
The more elderly you are and the more serious your illnesses you are the more tax-free money you can release.
Disadvantages of Equity Release Schemes
Lumpsum lifetime mortgages can reduce your estate value. Lumpsum lifetime mortgages may impact the ability to get 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 Flats Within A Block Of 4-5 Storeys Or More No Lift
Hodge Lifetime Lifetime Mortgages
- Hodge Lifetime Mortgage Flexible Drawdown Plan
- Age Partnership Equity Release Schemes
- Aviva Equity Release Schemes
- Liverpool Victoria LV= Flexible Lifetime Mortgage
- Pure Retirement Lifetime Mortgage
- HSBC Lifetime Mortgage
- More 2 Life Tailored Choice Plan
- Stonehaven Interest Only Lifetime Mortgage
- Nationwide Equity Release
- Saga Equity Release Plans
- Just Retirement Equity Release Plans
- HSBC Interest Only Lifetime Mortgage
It is common to discover people looking for monthly payment lifetime mortgage, monthly payment lifetime mortgage or lifetime mortgage with flexible drawdown cash release, however, the Telegraph like Old Mutual Wealth are keen to see evidence of your circumstances in the form of investment statements.