Lifetime Mortgage No Early Repayment Charges

Retirement Mortgage No Early Repayment Charges

  • Remove tax-free cash from your house
  • No Early Repayment Charges (no ERC)
  • No need to make monthly payments
  • Help your family to buy a house
  • Still, have a few more mortgages payments to make? No problems
  • Continue to stay in your property
  • Often used to optimise tax planning
  • Mortgage lender not affected by Brexit nightmare or the coronavirus-COVID 19 crisis
  • England, Scotland, Wales and Northern Ireland are all 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

  • 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 for more information

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Over 65 early repayment

  • Free No Obligation Quote

  • Please enter a number from 10000 to 2000000.
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Pensioner Mortgage No Early Repayment Charges

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UK Equity Release Scheme Providers

  • Age Partnership
  • Step Change
  • Age Partnership


Drawbacks of Lifetime Mortgages

A monthly payment lifetime mortgage can reduce your estate value. A monthly payment lifetime mortgage may impact the ability to claim benefits. You may need to pay a solicitor’s fee and some products expose you to changes in interest rates.

Equity Release Loan To Value

  • 55% monthly payment lifetime mortgage VitalityLife Equity Release
  • 45% loan to value (LTV) interest-only lifetime mortgages Prudential
  • 35% loan to value lump sum lifetime mortgages Crown

Crown Lifetime Mortgages

Legal and General

LV Drawdown Lifetime Mortgages

Canada Life

Interest Only Lifetime Mortgages No Early Repayment Charges

Crown Retirement Mortgages



Hard to finance property variants include poorly maintained at the time of the valuation inspection, entirely tenanted properties, right to buy – properties in Scotland, leasehold properties (with the exception of flats and maisonettes) and properties with leased solar panels.

Many of the most appealing retirement loan offerings are TSB mortgages for people 60 plus, Barclays retirement interest only mortgages, Post Office remortgages for people over 50 years old, Legal and General interest only mortgages for over 60s and Nationwide Building Society lifetime mortgages.

Difficult to mortgage property types can include properties with post 1945 asbestos or similar composition roof tiles , properties with spray foam insulation applied to the underside of the roof, studio flats located within the M25, freehold/feuhold flats (Scotland only) and properties where the flat is accessed via a deck or balcony.

Some of the most popular LTV percentages of Lloyds Bank interest only mortgages for over 60s near London, Barclays equity release plans for people over 60, Post Office later life interest only mortgages over 75, L&G later life mortgages for over 60s, RBS equity release schemes for over 55’s and Nationwide BS later life mortgages for over 60s are 50%, 55% and 65%.

Challenging to finance property titles can include flats of less than 30 square metres in any location, 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 that have solar farms or a large number of wind turbines on the land and properties that have a private water supply provided a contract is in place with an approved maintenance company for regular testing and maintenance.

Tough to mortgage property titles 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 Airey, Boot, Cornish Unit, Dorran, Dyke, Gregory, Hamish Cross, Myton, Newland, Orlit and Parkinson Frame.

How much money can I release?

You can get 70% of your property’s value. For example, if your house is worth £310,000 you can borrow £201,000.

Equity Release percentages of your current property value – mortgage with no early repayment charge

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

Areas in the UK where retirement mortgages are routine

  • Spalding
  • Harrow
  • Northwich
  • St Just-in-Penwith
  • Leiston
  • Howden
  • Northallerton
  • Sale
  • Lymington
  • Orford
  • Nantwich
  • Barton-upon-Humber
  • Dursley
  • Chudleigh
  • Tickhill


Wealthy business owners who could benefit from equity release estate planning – Loans with no early repayment charges

  • manufacture of household textiles Cheshunt
  • Artistic creation Whitchurch
  • Hospital activities Batley
  • Cold rolling of narrow strip Clitheroe
  • Wholesale of computers, computer peripheral equipment and software Guildford
  • Pre-primary education Malmesbury
  • Book publishing Bovey Tracey
  • Manufacture of mattresses Middleton
  • Wholesale of other intermediate products Patchway
  • Manufacture of household and sanitary goods and of toilet requisites Midsomer Norton
  • Other letting and operating of own or leased real estate Grantham
  • Social work activities without accommodation for the elderly and disabled Diss
  • Wholesale of dairy products, eggs and edible oils and fats Willesden
  • Wholesale of hardware, plumbing and heating equipment and supplies Dulverton
  • Manufacture of medical and dental instruments and supplies Ringwood
  • Repair and maintenance of ships and boats Kesgrave
  • Processing of nuclear fuel Shaftesbury
  • Growing of other non-perennial crops Peacehaven
  • Retail sale of fish, crustaceans and molluscs in specialised stores Bognor Regis
  • Wholesale of textiles Bacup
  • Manufacture of paper and paperboard Stony Stratford
  • Painting Doncaster
  • Other building and industrial cleaning activities Staveley
  • Printing of newspapers Berkhamsted
  • Manufacture of other chemical products n e c Kirkbymoorside
  • Plant propagation Oswestry
  • Retail sale of flowers, plants, seeds, fertilizers, pet animals and pet food in specialised stores Croydon

It’s often found to discover people searching for lumpsum lifetime mortgages, lump sum life time mortgages or home reversion schemes, however, Key Solutions like Fortify Insurance Solutions are keen to see proof of your situation in the form of investment statements.

Home Equity Loan Intelligent Finance in 2023 lump sum payment

Does a TSB Bank no early repayment charges equity release advisor charge a substantial fee?

No, TSB Bank No Early Repayment Charges Equity Release advisors are free.

Do TSB Bank offer home equity loans?

Yes, TSB Bank home equity loans are 2.05% APRC.

Does the TSB Bank no early repayment charges equity release calculator show the loan to value?

Yes, the TSB Bank No Early Repayment Charges Equity Release calculator shows the excellent loan to value of 55%.

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Does TSB Bank have excellent reviews for no early repayment charges equity release?

Yes, TSB Bank reviews are commendable for no early repayment charges equity release.

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What are the current TSB Bank interest rates for no early repayment charges equity release?

TSB Bank interest rates for no early repayment charges equity release are 2% MER.

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Do TSB Bank offer Equity Release?

Yes, TSB Bank Equity Release is 2.1% MER.

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Do TSB Bank do Pensioner Mortgages?

Yes, TSB Bank Pensioner Mortgages are 1.89% MER.

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Do TSB Bank do Retirement Mortgages?

Yes, TSB Bank Retirement Mortgages are 2.24% APRC.

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Does TSB Bank offer Equity Release Under 55?

Yes, TSB Bank Equity Release Under 55 is 1.86% APR.

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Does TSB Bank offer Lifetime Mortgages?

Yes, TSB Bank does lifetime mortgages at 2.13% APR. TSB Bank Lifetime Mortgages have a loan to value of 65%.

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  • Canada Life Equity Release Plans
  • Just Retirement Interest Only Lifetime Mortgage
  • L&G Legal & General Flexible Max Scheme
  • More2Life Flexi Choice Voluntary Payment Super Lite
  • Pure Retirement Drawdown Plan
  • Royal Bank of Scotland Lifetime Mortgage
  • L&G Legal & General Flexible Max Scheme
  • Aviva Equity Release
  • Hodge Equity Release Plans
  • HSBC Interest Only Lifetime Mortgage
  • More to Life Flexi Choice Voluntary Payment Super Lite
  • Royal Bank of Scotland Interest Only Lifetime Mortgage
  • Saga home reversion schemes
  • Hodge Lifetime Flexible Drawdown Plan
  • L&G Legal & General Flexi Max Voluntary Repayment Plan
  • Pure Retirement Equity Release Plans

The mortgage lender will want to know if the property is a Freehold house or a Leasehold flat with share of freehold and if the resident is an Owner Occupier.