Remove tax-free money from your house
You don’t need to make regular monthly payments
Use the money for a holiday
Are you still paying a mortgage? We can help with that
No broker fee added on
All UK Postcodes areas are acceptable
Pre-fabricated property titles are OK

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

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Not interested in equity release? Do you want a conventional mortgage at 3.97%, regardless of your age? Please Click Here

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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:*

Difficult-to-finance home variants include properties currently undergoing substantial alterations, extensions, or repairs, properties where multiple third parties are living in an annexe, right–to–buy properties in Scotland, leasehold properties (except flats and maisonettes), and properties with leased solar panels.

Some of the most popular pensioner mortgage products include Lloyds Bank RIO mortgages, HSBC interest-only mortgages for over 65-year-olds, NatWest interest-only mortgages for over 60s near London, Legal and General mortgages for people over 50 and Nationwide Building Society interest-only mortgages for over 60s.

Hard-to-mortgage property variants include eco houses and modern construction methods, timber-framed properties built between 1920 and 1965, privately developed flats up to four storeys with a lift, studio flats outside the M25, and privately developed flats in blocks of three or four storeys without a lift.

Some of the most common loan-to-value percentages for Lloyds Bank mortgages for over-60s, Barclays Bank interest-only mortgages for over-60s, Halifax equity release plans for over-60s, Legal & General mortgages for over-50-year-olds, RBS mortgages for people over 50, and Nationwide Building Society RIO mortgages over 75 are 40%, 60%, and 70%.

Challenging to finance property variants include properties built or converted into dwellings more than ten years ago, properties with a large number/scale of outbuildings, properties with more than one annexe or self-contained part of the property, properties where there is a self-contained part of the property or annexe, i.e. basement flat etc and properties adversely affected by existing or proposed issues including roads, rail, airports, power plants, power lines/towers, wind turbines, substations, sewage works, quarries, fuel stations, refuse sites, sports grounds, noise, light or environmental pollution.

Tough-to-mortgage property titles include properties built on contaminated land, properties with any kind of structural defect, damp, dry or wet rot, properties of non-standard construction, corrugated iron construction and missing planning permission or building regulations approval.

How much cash can I borrow?

You can borrow 70% of your home’s valuation. For example, if your house is valued at £240,000, you can borrow £144,000.

Towns in the UK where retirement mortgages are routine

Brigg
Oakengates
Blackrod
Grange-over-Sands
Brightlingsea
New Alresford
Tynemouth
Haslemere
Whitehill
Northwich
Brighouse
Royal Tunbridge Wells
Cromer
Pershore
Fairford
Blackwater and Hawley

Equity Release LTV Percentages

The older you are and the more serious your illnesses you are, the more money you can release.

Crown Lifetime Mortgages

Hodge Lifetime Equity Release

More2Life Lifetime Mortgages

Pensioner Mortgage Molo Finance

Pure Retirement Mortgages

Interest Only Lifetime Mortgages Molo Finance

Retired business owners who may be interested in lifetime mortgages

Support activities for other mining and quarrying Walsall
Machining Ilkeston
Activities of households as employers of domestic Personnel Stowmarket
Processing and preserving of meat West Malling
Trade of electricity Oakengates
Fund management activities Grimsby
Manufacture of electrical and electronic equipment for motor vehicles and their engines Nantwich
Other sports activities Millom
Central banking Bakewell
Construction of roads and motorways Harworth and Bircotes
Raising of camels and camelids Bootle
Manufacture of essential oils Emsworth
Computer facilities management activities Thornbury
Manufacture of other parts and accessories for motor vehicles Glossop
Manufacture of office machinery and equipment except computers and peripheral equipment Southend-on-Sea
Defence activities Bruton
Manufacture of locks and hinges Normanton
Mineral oil refining Hythe
Extraction of salt Shirebrook
Renting and leasing of other machinery, equipment and tangible goods n e c Bexley
Manufacture of bodies coachwork for motor vehicles except caravans Pocklington
Licensed clubs Alston
Other reservation service activities n e c Christchurch

Aviva Lifetime Mortgage
Just retirement equity release lifetime mortgages
Lloyds Bank Lifetime Mortgage
Royal Bank of Scotland Equity Release Plans
Saga Equity Release Schemes
More to Life Capital Choice Plan
Pure Retirement Equity Release
More2Life Flexi Choice Drawdown Lite Plan
Canada Life Voluntary Select Gold Flexi
Stonehaven Equity Release Scheme
Nationwide Equity Release Schemes
TSB Equity Release Plans
L&G Legal & General Flexible Plus Lifetime Mortgage
Pure Retirement Classic Voluntary Payment Super Lite
Stonehaven Interest Only Lifetime Mortgage
Nationwide Equity Release Schemes
TSB Lifetime Interest Only Mortgage
Saga home reversion schemes
Age Partnership Equity Release Plans

Equity Release LTV

50% home reversion schemes VitalityLife Equity Release
34.22% loan to value monthly payment lifetime mortgage New Life
34.22% loan to value (LTV) home reversion schemes Foundation Home Loans
60% loan to-value (LTV) lifetime mortgage with flexible drawdown cash release Age Partnership
44.22% loan to value monthly payment life time mortgage One Family
30% LTV lumpsum lifetime mortgages Landbay

Drawbacks of Lifetime Mortgages

Interest-only lifetime mortgages can reduce the inheritance for your family. Lump sum lifetime mortgages may impact entitlements to benefits. You may need to pay a legal fee and you could have higher rates to pay with some schemes.

Interest Only Lifetime Mortgages Age 40 UK

People often look for home reversion schemes, monthly payment lifetime mortgages, or lifetime mortgages with flexible drawdown cash release. However, Just Retirement, like Zurich, is keen to see paperwork showing your personal circumstances in the form of pension statements.

The first and second charge lenders will want to know if the property is a Detached freehold house or a Leasehold flat and if the resident is an Assured shorthold tenant.

Equity Release Lenders

Age Concern
Stonehaven Mortgage
Age Concern

Do Molo Finance do mortgages up to 85?

Yes, Molo Finance offers mortgages up to 85 at 2.2% APRC, with an LTV of 70%.

Does Molo Finance offer later life lending to Under 55?

Yes, Molo Finance later life lending Under 55 is 2.3% APRC.

Do Molo Finance do mortgages over 70?

Yes, Molo Finance mortgages over 70 are 1.92% APRC.

Does Molo Finance do mortgages over 75?

Yes, Molo Finance mortgages over 75 are 2.09% APR.

Does Molo Finance do later-life lending?

Yes, Molo Finance’s later life lending is 1.92% APR.

What are the current Molo Finance interest rates for retirement mortgages?

Molo Finance rates for retirement mortgages are 1.81% APRC.

Do Molo Finance have excellent reviews for pensioner mortgages?

Yes, Molo Finance reviews are superb for pensioner mortgages.

Does the Molo Finance Rio mortgage calculator show the LTV?

Yes, the Molo Finance RIO mortgage calculator shows an excellent LTV of 60%.

Does a Molo Finance retirement interest-only mortgage advisor charge a big fee?

No, Molo Finance retirement interest-only mortgage advisors are free.

Do Molo Finance do mortgages over 60?

Yes, Molo Finance mortgages over 60 are 2.03% APR.

Do Molo Finance do mortgages over 55?

Yes, Molo Finance mortgages over 55 are 2.14.22% APR.

Today's Date: 22 March 2025

Published on: 10 June 2020

Last Updated on: 9 January 2025

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