Lifetime Mortgage Freehold Flat

Retirement Mortgage Freehold Flat

  • Remove tax-free equity from your property
  • Use the cash for anything you like
  • 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
  • Product not affected by corona virus-covid19 crisis
  • All leasehold properties considered

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

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, lump sum lifetime mortgages or interest-only lifetime mortgages, however, Just Retirement like AA equity release are keen to see paperwork to show 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 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 2023

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 entitlements to state benefits. You may need to pay an advisor’s fee and you could have higher rates to pay with some schemes.

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


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
  • 45% 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
  • 25% loan to value monthly payment lifetime mortgage Masthaven
  • 35% 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 multiple 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 post 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 65%.

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 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.