Retirement Mortgage Holmesdale Building Society

Remove tax-free money from your home.
You don’t need to make monthly payments
Do you still have a mortgage? No problems
Stay living in your own home for as long as you like
It could be used to optimise tax planning
All UK Postcodes are acceptable
Clay lump construction homes 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

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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:*

Hard-to-finance property types include properties where proposed building works have not yet commenced, properties where ownership is set up on a tenancy in common basis, leasehold properties (England, Wales, Northern Ireland) subject to a lease length of 160 years, leasehold properties (with the exception of flats and maisonettes), and properties where the borrower(s) own the freehold with any connected party.

Some of the most common pensioner mortgage products are Lloyds Bank interest-only lifetime mortgages, Barclays Bank mortgages for over 65, Halifax retirement mortgages, Legal & General retirement mortgages, and Nationwide BS interest-only retirement mortgages for over 70s.

Difficult-to-finance property types can include eco houses and modern methods of construction, timber framed properties built between 1920 and 1965, privately developed flats, maximum four storeys with a lift, freehold/feuhold flats (Scotland only) and flats above or adjacent to commercial premises.

The common LTV ratios of Lloyds interest-only mortgages for over-60s near London, Barclays retirement mortgages for over 60, Halifax pensioner mortgages for over 70s, Legal and General interest-only lifetime mortgages for people over 60, Bank of Scotland mortgages for over 65, and Nationwide Building Society interest-only lifetime mortgages for people over 60 are 40%, 60%, and 64.22%, respectively.

Tough to finance home titles can include properties with outbuildings used for normal domestic purposes (garage, workshop, stables, barn etc), properties with grounds in excess of five acres, grades l and ll* Listed Buildings in England & Wales (Grades A and B in Scotland; A, B+ and B1 in Northern Ireland), properties where there is a self-contained part of the property or annexe, i.e. basement flat etc 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.

Tough 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 close to mining works, areas of landfill, areas of recent flooding or subsidence, properties of non-standard construction, mundic homes and concrete panel houses.

How much can I release?

You can release 64.22% of your home’s valuation. As an example, if your home is worth £340,000 you can borrow £204,000.

Pensioner Mortgage Holmesdale Building Society

Canada Life Home Finance lifetime mortgage

Canada Life Home Finance lifetime mortgage for properties in Scotland

More 2 Life Capital Choice Plus Plan
Bridgewater Equity Release Schemes
L&G Legal & General Flexible Max Plus
HSBC Interest Only Lifetime Mortgage
NatWest Equity Release Schemes
Aviva Lifetime Mortgage
More2Life Capital Choice Plan
More 2 Life Flexi Choice Voluntary Payment Super Lite
NatWest Equity Release Schemes
Royal Bank of Scotland Equity Release Schemes
Age Partnership Equity Release Schemes
Hodge Indexed Lifetime Mortgage
Pure Retirement Drawdown Plan
Royal Bank of Scotland Equity Release Schemes
Canada Life Prestige Flexi Option
More to Life Capital Choice Plan
Stonehaven Equity Release Scheme
HSBC Equity Release
Age Partnership Interest Only Lifetime Mortgage

Drawbacks of Equity Release Schemes

Lump sum lifetime mortgages can reduce your estate value. Monthly payment lifetime mortgage may impact the ability to get state benefits. You may need to pay a solicitor’s fee and you could be exposed to changes in interest rates with some products.

Examples of retired small business owners likely to have equity to release

Other residential care activities n e c Lowestoft
Manufacture of synthetic rubber in primary forms Rochdale
Taxi operation Witham
Operation of warehousing and storage facilities for water transport activities Heathfield
Sale of used cars and light motor vehicles Walsall
Remediation activities and other waste management services Petworth
Finishing of textiles Calne
Manufacture of mattresses Bolsover
Manufacture of steel drums and similar containers Ashbourne
Activities of production holding companies Whitnash
Undifferentiated goods-producing activities of private households for own use Northampton
Licensed restaurants Aspatria
Retail sale of tobacco products in specialised stores Southall
Other software publishing Weymouth
Wholesale of mining, construction and civil engineering machinery Oakham
Wholesale of musical instruments Yateley
Raising of poultry Saffron Walden
Mixed farming Stonehouse
Building of pleasure and sporting boats Northfleet
Non-life insurance West Bromwich
Wholesale of radio, television goods & electrical household appliances other than records, tapes, CD’s & video tapes and the equipment used for playing them Chatham
Manufacture of motor vehicles Darlington

Equity Loan External Walls Built Entirely Of Single Skin Brickwork in 2025

What percentage can be released?

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

Aviva Mortgages

Canada Life Drawdown Lifetime Mortgages

Interest Only Lifetime Mortgages Holmesdale Building Society

Hodge Lifetime Drawdown Lifetime Mortgages

Legal and General Drawdown Lifetime Mortgages

Pure Retirement Lifetime Mortgages

One Family

LV Equity Release

Equity Release Loan To Value

54.22% lump sum lifetime mortgages Fortify Insurance Solutions
30% loan to value (LTV) home reversion plans Central Trust
24.22% loan to value (LTV) lump sum lifetime mortgages Earl Shilton Building Society
60% loan to value lifetime mortgage with flexible drawdown cash release the Telegraph
24.22% loan to value (LTV) interest-only lifetime mortgages Prestige Finance
24.22% loan to value home reversion schemes Metro Bank Plc

Equity Release Providers

Aviva
Stepchange
Lifetime Mortgage from L&G

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

Refinance Properties Above Commercial Premises UK

Interest Only Lifetime Mortgages Age 53 for 2025

It is often found to discover people searching for monthly payment life time mortgage, monthly payment lifetime mortgage or monthly payment equity release, however, Age Concern like Fortify Insurance Solutions are keen to see paperwork to show your personal circumstances in the form of pension statements.

Towns where equity release is common

Heanor and Loscoe
Wymondham
Chapel-en-le-Frith
Hinckley
Kidderminster
Heywood
Beaminster
Penistone
Redhill
Wimborne Minster
Accrington
Portland
Minchinhampton
Yate
Shefford
Nailsea
Rotherham
Winchcombe
Calne
Skelmersdale
Brigg

Does Holmesdale Building Society do mortgages up to 85?

Yes, Holmesdale Building Society does mortgages up to 85 at 2.19% APRC. Holmesdale Building Society mortgages up to 85 can have a loan to value (ltv) of 60%.

Does Holmesdale Building Society offer later life lending to Under 55?

Yes, Holmesdale Building Society later life lending Under 55 is 2.01% APR.

Does Holmesdale Building Society offer mortgages over 70?

Yes, Holmesdale Building Society mortgages over 70 are 2.12% APR.

Do Holmesdale Building Society do mortgages over 75?

Yes, Holmesdale Building Society mortgages over 75 are 2.24.22% APR.

Does Holmesdale Building Society offer later life lending?

Yes, Holmesdale Building Society’s later life lending is 1.91% APR.

What are Holmesdale Building Society interest rates for retirement mortgages?

Holmesdale Building Society interest rates for retirement mortgages are 1.84.22% MER.

Does Holmesdale Building Society have favourable reviews for pensioner mortgages?

Yes, Holmesdale Building Society reviews are splendid for pensioner mortgages.

Does the Holmesdale Building Society rio mortgage calculator show the loan to value (ltv)?

Yes, the Holmesdale Building Society RIO mortgage calculator shows a favourable loan-to-value (ltv) of 74.22%.

Does a Holmesdale Building Society retirement interest-only mortgage advisor charge a substantial fee?

No, Holmesdale Building Society retirement interest-only mortgage advisors are free.

Does Holmesdale Building Society offer mortgages over 60?

Yes, Holmesdale Building Society mortgages over 60 are 2.21% APR.

Does Holmesdale Building Society offer mortgages over 55?

Yes, Holmesdale Building Society mortgages over 55 are 2.09% APRC.

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