Lifetime Mortgage Freehold Flat

Retirement Mortgage Freehold Flat
  • Remove tax-free equity from your property
  • Use the cash for anything you like
  • Do you still have a mortgage? We can help with that
  • Continue to stay in your property for as long as you like
  • Often used to manage inheritance tax bills
  • All leasehold properties are considered

If you don’t want a lifetime mortgage or equity release, and want a regular 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 want a conventional mortgage at 3.97%, regardless of your age? Please Click Here

retirement mortgages interest only
interest only mortgage rates
lifetime mortgage interest only
reverse mortgage
interest only lifetime mortgage
Over 65
Over 65

  • Free No Obligation Quote

  • Please enter a number from 10000 to 2000000.

  • About You

equity release
Over 65

Pensioner Mortgage Freehold Flat

Over 65


It is common to find people looking for lump sum lifetime mortgages or interest-only lifetime mortgages. However, Just Retirement, like AA equity release, is keen to see paperwork showing your situation in the form of investment statements.

Examples of business owners with home equity to release

  • Growing of tobacco Devizes
  • Manufacture of railway locomotives and rolling stock Cirencester
  • Retail sale of audio and video equipment in specialised stores in Framlingham
  • General Secondary Education Exmouth
  • Manufacture of imitation jewellery and related articles Bideford
  • Manufacture of glues Romford
  • Manufacture of women’s underwear Cleator Moor
  • Investigation activities Dronfield
  • Educational support services Colchester
  • Temporary employment agency activities Daventry
  • Activities of religious organizations Doncaster
  • Solicitors Ampthill
  • Motion picture, video and television programme post-production activities Hayle
  • Lead, zinc and tin production Silloth
  • Repair of other equipment Brigg
  • Water collection, treatment and supply Penwortham
  • Manufacture of basic iron and steel and of ferro-alloys Ormskirk
  • Activities of real estate investment trust Hinckley
  • Shaping and processing of flat glass Harrow
  • Engineering design activities for industrial process and production Brierley
  • Manufacture of homogenized food preparations and dietetic food Ottery St Mary
  • Banks Wincanton
Remortgage Belfast Northern Ireland for 2025

What percentage can be released?

The more elderly you are and the unhealthier you are, the more cash you can release.

  • Canada Life Equity Release
  • Hodge Lifetime Flexible Voluntary Repayment Plan
  • More2Life Flexi Choice Drawdown Lite Plan
  • TSB Equity Release Plans
  • Aviva Flexible Voluntary Repayment Plan
  • Hodge Equity Release Plans
  • Stonehaven Interest Select Plan
  • Nationwide Equity Release
  • TSB Equity Release Plans
  • Hodge Equity Release Plans
  • Liverpool Victoria LV Equity Release Plans
  • HSBC Equity Release Schemes
  • NatWest Equity Release Plans
  • Royal Bank of Scotland Equity Release Plans
  • Age Partnership Equity Release Schemes
  • Aviva Equity Release
  • Bridgewater Equity Release Schemes
  • Hodge Lifetime Flexible Voluntary Repayment Plan
  • More2Life Flexi Choice Drawdown Lite Plan
  • Stonehaven Equity Release Plan
  • NatWest Equity Release Plans
  • Age Partnership Equity Release Plans

Pitfalls of Lifetime Mortgages

Home reversion plans can reduce your estate value. Interest-only lifetime mortgages may impact your entitlements to state benefits. You may need to pay an advisor’s fee, and with some schemes, you could have higher rates to pay.

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

Towns where equity release is popular

  • Halesworth
  • Bollington
  • Felixstowe
  • Barking
  • Alcester
  • New Mills
  • Ilminster
  • Eccleshall
  • Beckenham
  • Waltham Cross
  • Market Bosworth
  • Wymondham
  • West Malling
Just Retirement - Roll-Up Lifetime Mortgage
Legal & General - Flexible Indigo
LV= Lump Sum+ Lifetime Mortgage

Interest Only Lifetime Mortgages Freehold Flat

Pure Retirement - Classic Lite
more 2 life lifetime mortgage

Aviva

Legal and General

Pure Retirement

LV Lifetime Mortgages

Lenders for UK Equity Release

  • Aviva
  • Crown
  • Age Partnership
  • Maximum cover Equity Release

Equity Release Loan To Value

  • 50% monthly payment lifetime mortgage Royal London Equity Release
  • 44.22% loan-to-value home reversion schemes Pure Retirement
  • 30% LTV interest-only lifetime mortgages Melton Mowbray
  • 40% loan to value monthly payment equity release Stepchange
  • 24.22% loan to value monthly payment lifetime mortgage Masthaven
  • 34.22% loan to value (LTV) lumpsum lifetime mortgages West One
Retirement Mortgage Freehold Held By Local Authority UK

Hard-to-finance property types can include homes requiring essential repairs, properties where multiple third parties are living in an annexe, leasehold properties where the lease length is currently unacceptable, properties which are made up of various titles and properties with leased solar panels.

Many of the most appealing pensioner mortgage products are Lloyds equity release plans, Barclays Bank RIO mortgages, Halifax interest-only lifetime mortgages, Legal & General lifetime mortgages, and Nationwide Building Society interest-only lifetime mortgages.

Difficult-to-mortgage property types can include Timber-framed properties constructed after 1965, properties with spray foam insulation applied to the underside of the roof, studio flats located within the M25, studio flats outside the M25, 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 mortgages for 60 plus pensioners, HSBC equity release schemes for over 55’s, Post Office interest only retirement mortgages for over 70s, L&G retirement mortgages over 60, Bank of Scotland pensioner mortgages over 60 and Nationwide remortgages for people over 50 years old are 40%, 60% and 64.22%.

Tough-to-mortgage property variants can include properties built or converted into dwellings more than 10 years ago, properties with a large number/scale of outbuildings, 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.

Tough-to-mortgage home titles can include properties with high service charges, properties without a kitchen or bathroom, properties of non-standard construction, thatched buildings, and concrete panel houses.

How much can I release?

You can get 70% of your home’s valuation. For example, if your home is worth £240,000, you can get £156,000.

Secured Loan And Equity Release Lenders

  1. 7.44% Laing Easiform Homes Mortgages Secured Loans No Fees
  2. 7.35% Properties Adjacent Commercial Premises Secured Loans
  3. 7.29% Crofted Houses Secured Loans – No Fees, Free Valuation
  4. 5.67% Cambridge Building Society Secured Loans No Fees 90%
  5. 5.75% The Mortgage Lender Secured Loans with No Fees, Even with Bad Credit
  6. 7.21% Annexe Self Contained Granny Flats Secured Loans
  7. 5.73% Secured Loans from Manchester Building Society – No Fees, 84.22% LTV
  8. 7.46% Properties Held In Trust Secured Loans No Fees 90% LTV
  9. 7.5% Asbestos Composition Roof Tiles Secured Loans No Fees
  10. 5.74% Secured Loans with Mansfield BS: No Fees, Free Valuation, and 84.22% LTV
  11. Black Horse Secured Loans: No Fees, Free Valuation
  12. 7.28% Category A & B Listings Scotland Listed Secured Loans
  13. 7.24% Spray Foam Insulation Secured Loans
  14. 5.52% Precise Mortgages Secured Loans No Fees Free Valuation
  15. 7.44% Loft Conversion Secured Loans No Fees Free Valuation
  16. 7.4.22% Second Homes Secured Loans No Fees Free Valuation 90%
  17. Newcastle Building Society Secured Loans No Fees
  18. 7.34% Properties Purchased Right To Buy Scheme Secured Loans
  19. 7.26% Corrugated Iron Roofs and Iron Secured Loans: Get 84.22% Financing
  20. 5.68% Harpenden Building Society Secured Loans No Fees 90%
  21. 7.21% No Broker Fee Secured Loan with Free Valuation and No Fees – 90% LTV
  22. 5.71% Nedbank Private Wealth Secured Loans No Fees 90% LTV
  23. 5.72% Fixed Halifax Secured Loans – No Fees, Free Valuation, 90% LTV
  24. 5.57% Royal Bank of Scotland Secured Loans No Fees 90% LTV
  25. Leeds BS Secured Loans – Get Free Valuation & No Fees
  26. 5.73% Teachers Building Society Secured Loans with No Fees and 84.22% LTV
  27. 5.75% Yorkshire BS Secured Loans: No Fees, Free Valuation, 85% LTV
  28. 5.83% Legal And General Secured Loans – No Fees, Free Valuation
  29. 7.38% Under 50 UK Property Secured Loans No Fees Bad Credit
  30. 5.54.22% Swansea Building Society Secured Loans No Fees 90% LTV
  31. 7.29% Ex Council Property Housing Association Secured Loans
  32. 2% Retirement Apartment Secured Loans: No Fees for Bad Credit
  33. 90% LTV with 7.4% Pre-Fabricated Properties Secured Loans
  34. 5.57% Fixed Amber Home Secured Loans No Fees Free Valuation
  35. 7.36% High Acceptance Secured Loans No Fees Free Valuation
  36. 7.34% Asbestos Sheet Secured Loans No Fees Free Valuation
  37. 5.72% Fixed Rate on Leeds Building Society Secured Loans – No Fees, 90% LTV
  38. 5.62% Foundation Home Loans Secured Loans No Fees Bad Credit 2025
  39. 5.58% First Direct Secured Loans No Fees Free Valuation 84.22%
  40. 7.29% Property Made Up Of Multiple Titles Secured Loans 84.22%