Retirement Mortgage Foundation Home Loans

No need to make regular monthly payments
Still, have a few more mortgage payments to make? No problems
Continue to live in your own home
Product not affected by coronavirus crisis
No lender fees charged
All UK Postcodes areas are acceptable
4.69% APR
Flats above shops are acceptable

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

How much is it common to release from a home

The older you are and the sicker you are the more tax-free cash you can release.

Drawbacks of Lifetime Mortgages

Lump-sum lifetime mortgages can reduce your estate value. Lifetime mortgage with flexible drawdown cash release may impact the ability to get state benefits. You may need to pay an advisor’s fee and some products expose you to changes in interest rates.

Equity Release LTV Percentages

50% monthly payment lifetime mortgage AIG Life
54.22% loan to value (LTV) monthly payment lifetime mortgage Bower
54.22% loan to value monthly payment lifetime mortgage Precise
24.22% loan to value (LTV) home reversion plans Bank of Ireland NI

It’s very regular to find individuals looking for lump sum lifetime mortgages, monthly payment lifetime mortgage or lifetime mortgage with flexible drawdown cash release, however, Aviva like Zurich are keen to see evidence of your personal circumstances in the form of investment statements.

Areas where equity release is routine

Crosby
Southport
Weymouth
Tetbury
Glossop
Patchway
Selsey
Tavistock
Redcar
Amble
Westhoughton
Reepham
Redcar
Dereham
Ferryhill
Bradninch
Hednesford
Hendon

Aviva Equity Release
TSB Equity Release Schemes
NatWest Interest Only Lifetime Mortgage
Stonehaven Equity Release Plan
HSBC Lifetime Mortgage
Hodge Lifetime Mortgage Flexible Drawdown Plan
HSBC Interest Only Lifetime Mortgage
TSB Lifetime Interest Only Mortgage
Royal Bank of Scotland Equity Release Plans
Aviva Lifetime Mortgage
More2Life Tailored Choice Plan
Lloyds Bank Equity Release Schemes
More 2 Life Flexi Choice Drawdown Lite Plan
Age Partnership Lifetime Mortgage

Legal & General Home Finance lifetime mortgage

Pensioner Mortgage Foundation Home Loans

Business owners details likely with equity to release

Management consultancy activities other than financial management Poynton-with-Worth
Funeral and related activities Harwich
Manufacture of industrial gases Prudhoe
Wholesale of computers, computer peripheral equipment and software Wigan
Manufacture of oils and fats Bungay
Other amusement and recreation activities n e c Steyning
Manufacture of printing ink Thetford
Manufacture of other non-distilled fermented beverages Meltham
Regulation of health care, education, cultural and other social services, not incl social security Beaconsfield
Manufacture of prepared meals and dishes Pershore
Manufacture of bearings, gears, gearing and driving elements Scunthorpe
Video production activities Kidsgrove
Manufacture of breakfast cereals and cereals-based food Marlborough
Manufacture of sugar Brixham
Urban and suburban passenger railway transportation by underground, metro and similar systems Biggleswade
Manufacture of ice cream Wendover
Primary education Shrewsbury
Other business support service activities n e c Cirencester
Construction of roads and motorways Flitwick
Retail sale in non-specialised stores with food, beverages or tobacco predominating Ashton-under-Lyne
Manufacture of glues Tadcaster
Manufacture of builders ware of plastic Medlar-with-Wesham
Motion picture, television and other theatrical casting activities Loughton
Tour operator activities Kirkby Stephen
Retail sale of flowers, plants, seeds, fertilizers, pet animals and pet food in specialised stores Goole
Growing of other perennial crops Mirfield

Difficult-to-finance property types can include properties currently undergoing substantial alterations, extensions or repairs, properties where letting arrangement where the tenancy agreement is not appropriate, right to buy – properties in Scotland, properties with unregistered titles subject to these being registered as part of the legal process and freehold flats (England, Wales, Northern Ireland).

Popular retirement loan offerings are TSB mortgages for over-60s, Barclays equity release schemes, Halifax retirement mortgages, L&G retirement mortgages, and Nationwide pensioner mortgages.

Difficult-to-mortgage home variants can include properties with post-1945 asbestos or similar composition roof tiles, properties with any external treatment applied to the roof after construction, large concrete panel systems, privately developed flats in blocks of five storeys or more, and properties where the flat is accessed via a deck or balcony.

Do Foundation Home Loans do mortgages up to 85?

Yes, Foundation Home Loans does mortgages up to 85 at 2.09% MER. Foundation Home Loans mortgages up to 85 have a loan to value (ltv) of 64.22%.

Do Foundation Home Loans offer later life lending to Under 55?

Yes, Foundation Home Loans later life lending Under 55 is 2.1% APR.

Does Foundation Home Loans do mortgages over 70?

Yes, Foundation Home Loans mortgages over 70 are 2.01% APRC.

Do Foundation Home Loans do mortgages over 75?

Yes, Foundation Home Loans mortgages over 75 are 2.12% MER.

Do Foundation Home Loans do later life lending?

Yes, Foundation Home Loans later life lending is 2.04% MER.

What are Foundation Home Loans rates for retirement mortgages?

Foundation Home Loans interest rates for retirement mortgages are 2.17% APRC.

Do Foundation Home Loans have favourable reviews for pensioner mortgages?

Yes, Foundation Home Loans reviews are commendable for pensioner mortgages.

Does the Foundation Home Loans rio mortgage calculator show the LTV?

Yes, the Foundation Home Loans RIO mortgage calculator shows a favourable LTV of 64.22%.

Does a Foundation Home Loans retirement interest only mortgage advisor charge a big fee?

No, Foundation Home Loans retirement interest only mortgage advisors are free.

Do Foundation Home Loans do mortgages over 60?

Yes, Foundation Home Loans mortgages over 60 are 2.11% APR.

Do Foundation Home Loans do mortgages over 55?

Yes, Foundation Home Loans mortgages over 55 are 2.17% APR.

Popular LTV percentages of Lloyds Bank remortgages for people over 50 years old, HSBC interest only lifetime mortgages for over 70s, Halifax interest only lifetime mortgages for over 70s, Legal and General interest only mortgages for people over 70, RBS mortgages for pensioners over 60 and Nationwide Building Society lifetime mortgages for over 55s are 44.22%, 54.22% and 64.22%.

Challenging to mortgage property variants include properties with outbuildings used for normal domestic purposes (garage, workshop, stables, barn etc), properties with a single annexe or other self-contained part of the property, properties with a small number of solar panels or a wind turbine on the land for domestic use, properties using rooms, land or outbuildings for business purposes which are not personal to the borrower(s) or which extend to more than 50% of the property to be secured and properties with mobile phone masts which are within influencing distance of the house.

Challenging to mortgage property titles include properties with legal agreements such as Overage, Clawback, Option, Pre-emption, or any onerous Restrictive Covenant, high service charges – properties where the Service Charge per annum at the time of application is more than 2% of the property value, derelict property or where part of the building is in severe disrepair and needs demolishing, cob property and concrete panel houses.

How much can I get?

You can release 70% of your home’s valuation. As an example, if your house is worth £280,000 you can borrow £196,000.

Equity Release Lenders

Aviva
LV equity release
Legal and General

Pensioner Mortgage Coventry Building Society in 2025

RIO Newbury Building Society Mortgages for 2025

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