It is not necessary to make regular monthly payments.
Still, have some mortgage outstanding? No problems
Continue to live in your own home for as long as you like
No broker fees are added on
All areas of the UK are acceptable
Flats above shops are acceptable

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
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 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:*

What percentage can be released?

55% monthly payment lifetime mortgage LV Liverpool Victoria
30% loan to value (LTV) home reversion plans Foundation Home Loans
55% loan to value monthly payment equity release Key Retirement
30% loan to value interest-only lifetime mortgages Cambridge Building Society

Towns where retirement mortgages are common

Shepshed
Eastleigh
Burton Latimer
Royal Leamington Spa
Stalham
Lytham St Annes
Oldbury
Amersham
Winsford
Cricklade
Normanton
West Ham
Shaftesbury
Buxton
Emsworth
Banbury
Wiveliscombe

Home Equity Loan No Early Repayment Charges in 2024

Difficult-to-mortgage property types include properties in poor condition, properties where multiple third parties are living in an annexe, leasehold properties where the lease length is currently unacceptable, and properties which are made up of multiple titles and freehold flats (England, Wales, Northern Ireland).

Some of the most popular pensioner loan products are TSB RIO mortgages, HSBC mortgages for 60-year-olds, NatWest retirement mortgages, Legal & General interest-only mortgages for over 60s near London and Nationwide Building Society later life mortgages.

Hard-to-finance property variants include eco houses and modern methods of construction, timber framed properties built between 1920 and 1965, studio flats located within the M25, freehold/freehold flats (Scotland only) and basement or lower ground floor flats without level access to private or communal garden space.

Popular LTV percentages of Lloyds remortgages for people over 50 years old, HSBC later life mortgages for over 70s, Post Office interest only mortgages for people over 60, Legal & General remortgages for people over 50 years old, Bank of Scotland remortgages for people over 50 years old and Nationwide BS equity release schemes for over 55’s are 45%, 60% and 65%.

Tough to mortgage home titles can include properties built or converted into dwellings more than 10 years ago, properties with a large number/scale of outbuildings, properties without direct access to an adopted highway or which are accessed over an unmade road, properties with flying or creeping freeholds which comprise over 15% of the total floor area and properties with mobile phone masts which are within influencing distance of the house.

Challenging to mortgage property variants include rentcharges properties with a high estate charge, properties without a kitchen or bathroom, some properties with sitting tenants or regulated tenancies, asbestos construction and properties that have never been registered with the land registry.

Equity release loan to value?

You can borrow 70% of your home’s valuation. For example, if your home is worth £270,000 you can borrow £175,000.

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 an Private Tenant.

Lenders for UK Equity Release

Key Retirement
Prudential Lifetime
Key Retirement
Zurich

Interest Only Lifetime Mortgages Hodge

Legal & General Home Finance lifetime mortgage

Does Hodge Bank offer mortgages up to 85?

Yes, Hodge Bank does mortgages up to 85 at 1.89% APR. Hodge Bank mortgages up to 85 have a loan to value (ltv) of 75%.

Does Hodge Bank do later-life lending to those Under 55?

Yes, Hodge Bank later life lending Under 55 is 2.12% APRC.

Does Hodge Bank do mortgages over 70?

Yes, Hodge Bank mortgages over 70 are 2.25% APR.

Does Hodge Bank do mortgages over 75?

Yes, Hodge Bank mortgages over 75 are 2.04% MER.

Do Hodge Bank offer later life lending?

Yes, Hodge Bank later life lending is 2.19% APR.

What are the current Hodge Bank interest rates for retirement mortgages?

Hodge Bank rates for retirement mortgages are 2.25% APRC.

Does Hodge Bank have excellent reviews for pensioner mortgages?

Yes, Hodge Bank reviews are commendable for pensioner mortgages.

Does the Hodge Bank rio mortgage calculator show the LTV?

Yes, the Hodge Bank RIO mortgage calculator shows a excellent LTV of 55%.

Does a Hodge Bank retirement interest only mortgage advisor charge a substantial fee?

No, Hodge Bank retirement interest only mortgage advisors are free.

Does Hodge Bank offer mortgages over 60?

Yes, Hodge Bank mortgages over 60 are 2.1% APRC.

Does Hodge Bank offer mortgages over 55?

Yes, Hodge Bank mortgages over 55 are 2.22% APR.

Retired small business owners that may be interested in lifetime mortgages

Marine aquaculture Kettering
Retail sale of musical instruments and scores Mitcham
Freshwater fishing Somerton
Manufacture of man-made fibres Greater Willington
Manufacture of electronic industrial process control equipment Atherstone
Tanning and dressing of leather; dressing and dyeing of fur Corsham
Non-life insurance Whaley Bridge
Wholesale of mining, construction and civil engineering machinery Amble
Processing of nuclear fuel Eccleshall
Repair and maintenance of aircraft and spacecraft Southminster
Architectural activities Farnborough
Non-scheduled passenger air transport Coggeshall
Agents involved in the sale of a variety of goods Ellesmere
Extraction of peat Ramsgate
Cargo handling for land transport activities Rayleigh
Manufacture of fluid power equipment Ringwood
Retail sale of fruit and vegetables in specialised stores Walsall
Other retail sale of food in specialised stores Royston
Activities of head offices Barnard Castle
Retail sale of electrical household appliances in specialised stores Loughborough
Manufacture of margarine and similar edible fats Kings Lynn
Hotels and similar accommodation Shoreham-by-Sea
Retail sale via stalls and markets of textiles, clothing and footwear Millom
Other processing and preserving of fruit and vegetables Market Drayton
Growing of other perennial crops Oswestry

Drawbacks of Home Reversion Plans

A monthly payment for a lifetime mortgage can reduce your estate value. Monthly payments and lifetime mortgages may impact entitlements to benefits. You may need to pay a solicitor’s fee, and you could have higher rates to pay with some schemes.

Hodge Lifetime Retirement Mortgages

Legal and General Drawdown Lifetime Mortgages

One Family Drawdown Lifetime Mortgages

Pensioner Mortgage Hodge

LV Mortgages

Hodge Lifetime Lifetime Mortgages

Just Lifetime Mortgages

It’s usual to find individuals searching for lump sum lifetime mortgages, lump sum life time mortgages or monthly payment equity release, however, Just Retirement like Legal & General are keen to see proof of your situation in the form of pension statements.

Equity Release Loan To Value

The more aged you are and the more serious your illnesses you are, the more tax-free cash you can release.

More 2 Life Flexi Choice Drawdown Lite Plan
Bridgewater Equity Release
Canada Life Landlord Voluntary Select Plan
Liverpool Victoria LV Equity Release Plans
Pure Retirement Equity Release Schemes
Stonehaven Lifetime Mortgage
TSB Equity Release Plans
Saga home reversion plan
Bridgewater Equity Release Schemes
L&G Legal & General Flexible Max Scheme
Stonehaven Interest Select Plan
Aviva Lifetime Mortgages for Pensioners
Bridgewater Equity Release
Hodge Equity Release Schemes
Pure Retirement Equity Release
Nationwide Equity Release Schemes
TSB Lifetime Interest Only Mortgage
Saga home reversion schemes
Bridgewater Equity Release
Canada Life Lifetime Mortgage
Just retirement equity release lifetime mortgages
L&G Legal & General Flexi Max Voluntary Repayment Plan
More to Life Flexi Choice Drawdown Lite Plan
Royal Bank of Scotland Lifetime Mortgage

Does Hodge Lifetime offer mortgages up to 85?

Yes, Hodge Lifetime does mortgages up to 85 at 1.99% APRC. Hodge Lifetime mortgages up to 85 can have a loan to value of 55%.

Does Hodge Lifetime do later life lending to Under 55?

Yes, Hodge Lifetime later life lending Under 55 is 1.91% APRC.

Does Hodge Lifetime do mortgages over 70?

Yes, Hodge Lifetime mortgages over 70 are 1.87% MER.

Do Hodge Lifetime offer mortgages over 75?

Yes, Hodge Lifetime mortgages over 75 are 2.03% APRC.

Does Hodge Lifetime offer later-life lending?

Yes, Hodge Lifetime later life lending is 2.04% APRC.

What are Hodge Lifetime interest rates for retirement mortgages?

Hodge Lifetime interest rates for retirement mortgages are 2.11% MER.

Does Hodge Lifetime have positive reviews for pensioner mortgages?

Yes, Hodge Lifetime reviews are splendid for pensioner mortgages.

Does the Hodge Lifetime Rio mortgage calculator show the loan to value?

Yes, the Hodge Lifetime RIO mortgage calculator shows a positive loan to value of 70%.

Does a Hodge Lifetime retirement interest only mortgage advisor charge a substantial fee?

No, Hodge Lifetime retirement interest only mortgage advisors are free.

Does Hodge Lifetime offer mortgages over 60?

Yes, Hodge Lifetime mortgages over 60 are 2.01% APR.

Does Hodge Lifetime offer mortgages over 55?

Yes, Hodge Lifetime mortgages over 55 are 2.3% APRC.

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