Remove tax-free cash from your property
No monthly repayments
Stay living in your own house for as long as you like
No broker fee
All parts of the UK are acceptable including Northern Ireland
Prefabricated property titles 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

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*
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*
Contact Phone Number:*
Your Email Address:*
First Line Of Your Address:*
Your Postcode:*

Disadvantages of Home Reversion Plans

Lumpsum lifetime mortgages can reduce the inheritance for your family. A monthly payment lifetime mortgage may impact the ability to claim benefits. You may need to pay a solicitor’s fee and you could have higher rates to pay with some schemes.

Small business owners detail likely with equity to release from their homes

Scheduled passenger air transport Middleham self builders
Plastering Fleetwood stage payments
Disinfecting and exterminating services Poynton-with-Worth outline planning permission
Other telecommunications activities West Tilbury own home build costs property value maximum loan funds released
Manufacture of motorcycles Frome mortgage payments existing structure loan amount interest rates
Activities of trade unions Southall save money bridging loan early repayment charge
Activities of other holding companies n e c Walsall borrow money standard mortgages lending criteria
Sale, maintenance and repair of motorcycles and related parts and accessories Hemel Hempstead most lenders monthly payments
Retail sale of musical instruments and scores Dawley custom build lender’s criteria construction period
Manufacture of railway locomotives and rolling stock Southgate release funds releasing funds arrears mortgages
Activities of religious organizations East Retford final release interest only home insurance
Maintenance and repair of motor vehicles Bingham rics qualified surveyor build progresses detailed plans
Manufacture of other plastic products Brierfield total cost mortgage products variable rate
Manufacture of wire products, chain and springs Wareham
Fund management activities Crowle
Manufacture of cleaning and polishing preparations Kirkby Lonsdale
Retail sale in non-specialised stores with food, beverages or tobacco predominating Penkridge
Packaging activities Brixham
Driving school activities Dukinfield two types important information
Sports and recreation education Whitnash further details existing home vary depending important information
Operation of historical sites and buildings and similar visitor attractions Bulwell wall plate mortgages are available completion certificate
Activities of credit bureaus Horncastle lower rate short term new home type of mortgage
Archives activities Stafford rics qualified surveyor standard variable rate various stages loan to value
Regulation of health care, education, cultural and other social services, not incl social security Penryn new property current value main residence maximum term
Wholesale of audio tapes, records, CDs and videotapes and the equipment on which these are played Hertford overall cost own homes current value

Equity Release LTV Percentages and additional supporting documentation

The more aged you are and the more illnesses you have you are the more tax-free cash you can release.

Equity Release LTV with full planning permission

55% monthly payment equity release The Exeter Equity Release construction drawings
45% loan to value lumpsum lifetime mortgages LV equity release mortgage rates
25% loan to value monthly payment lifetime mortgage Equifinance valuation fee
30% loan to value (LTV) interest-only lifetime mortgages Precise Mortgages for UK residents
25% loan to value (LTV) monthly payment lifetime mortgage Central Trust mortgage product
55% loan to value interest-only lifetime mortgages Equifinance endowment policies

The 1st and 2nd charge lender will want to know if the property is a Detached freehold house or a Leasehold flat with share of freehold and if the resident is a Private Tenant.

Aviva Lifetime Mortgages

Interest Only Lifetime Mortgages For Self Build

More2Life Retirement Mortgages

LV Mortgages

Difficult to mortgage home types can include properties in the course of construction or pre-construction, age restricted properties, right to buy – properties in Scotland, properties with unregistered titles subject to these being registered as part of the legal process and properties where the borrower(s) own the freehold with any connected party.

Common pensioner loan products are TSB over 60 lifetime mortgages, HSBC interest only mortgages for people over 60, Halifax lifetime mortgages, Legal & General mortgages for people 60 plus and Nationwide mortgages for 60 plus.

Hard to mortgage property types include pre-fabricated reinforced concrete (PRC), properties with any externally applied insulation to the walls after construction, privately developed flats, maximum four storeys with a lift, privately developed flats in blocks of two storeys without a lift and privately developed flats in blocks of three or four storeys without a lift.

Common loan to value ratios of TSB equity release schemes for people over 70, Barclays Bank interest only retirement mortgages for over 70s, NatWest interest only mortgages for over 60s, Legal and General interest only mortgages for over 65 year olds, Bank of Scotland retirement interest only mortgages over 75 and Nationwide BS interest only lifetime mortgages for over 60s are 45%, 55% and 65%.

Challenging to finance property titles can include properties built or converted into dwellings more than 10 years ago, properties with a large number/scale of outbuildings, use of the land and any outbuildings for a small amount of personal commercial use., properties that are being used for personal commercial use and properties which have been built on a previously contaminated land are acceptable provided the result of an environmental search determines the land to be clear of contamination.

Challenging to finance home titles can include properties with a sinking fund of 7% or more of the property sale price when the property is sold, properties with any kind of structural defect, damp, dry or wet rot, properties of non-standard construction, timber 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 release 70% of your home’s valuation. As an example, if your house is worth £320,000 you can release £208,000.

Just Equity Release

It’s usual to encounter people seeking out home reversion schemes, lump sum lifetime mortgages or home reversion schemes, however, Key Retirement like LV Liverpool Victoria are keen to see evidence of your personal circumstances in the form of bank statements.

Areas where retirement mortgages are common – self build mortgage northern ireland

Wivenhoe
Leiston
Birkenhead
Orford
Stowmarket
Bicester
Edenbridge
Uxbridge
Malvern
Camelford
Shepshed
Hendon
Egremont
Waltham Abbey
Wainfleet All Saints
Helston
Brightlingsea
Queenborough-in-Sheppey
Blandford Forum
Henley-in-Arden
Elstree and Borehamwood

Equity Release Scheme Providers

Key Solutions self builders stage payments mortgage payments
New Life borrow money standard mortgages
the Telegraph construction period releasing funds
Legal & General

Pensioner Mortgage For Self Build

Stonehaven Equity Release Plan
Canada Life Equity Release
More2Life Capital Choice Plus Plan
HSBC Equity Release Plans
Lloyds Bank Lifetime Mortgage
More 2 Life Capital Choice Plus Plan
Pure Retirement Equity Release Schemes
Nationwide Equity Release
NatWest Equity Release Schemes
Age Partnership Lifetime Mortgage
Bridgewater Equity Release Plans
Canada Life Lifestyle Gold Flexi
L&G Legal & General Flexible Max Scheme

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