Lifetime Mortgage Flats Within A Block Of 4-5 Storeys Or More No Lift – 1.78% Equity Release

Retirement Mortgage Flats Within A Block Of 4-5 Storeys Or More No Lift

  • 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

  • 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

Under 55
Over 65
interest only lifetime mortgage
interest only mortgage rates

pensioner mortgage

  • Free No Obligation Quote

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

retirement mortgage


Towns where Lifetime Mortgages are routine

  • Lechlade
  • Warminster
  • Hitchin
  • Portland
  • Kimberley
  • Whitworth
  • Altrincham
  • Amersham
  • Rugeley
  • Lutterworth
  • Blackwater and Hawley

Interest Only Mortgage Prefabricated Concrete Houses for 2023

Bad Credit Mortgages No Advisor Fee in 2023

Equity Release Scheme Providers

  • the Telegraph
  • Saga
  • Aviva

Canada Life - Lifestyle Gold

Pure Retirement - Classic Super Lite

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.

Canada Life - Lifestyle Lite

Pensioner Mortgage Flats Within A Block Of 4-5 Storeys Or More No Lift

LV= lifetime mortgage

More2Life - Tailored Choice Plan

Legal & General - Flexible Yellow

Legal & General - Flexible Blue

Legal & General Home Finance lifetime mortgage

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


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.


LV Equity Release

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.