
- Remove tax-free equity from your property.
- No monthly repayments
- Help a family member buy a home they couldn’t afford otherwise.
- Still, have some mortgage outstanding? No problems
- Stay living in your own house for as long as you like
- Often used to manage inheritance tax bills
- All UK Postcodes areas are acceptable
- Non-standard property types are OK
If you don’t want a lifetime mortgage or equity release, and want a normal interest-only mortgage at 3.97%, regardless of your age, please Click Here
Not interested in equity release? Do you want a conventional interest-only mortgage at 3.97%, regardless of age? Please Click Here










Pensioner Mortgage One Family






Does OneFamily do mortgages up to 85?
Yes, OneFamily does mortgages up to 85 at 1.93% MER. OneFamily mortgages up to 85 can have an LTV of 60%.
Does OneFamily lend later life to people under 55?
Yes, OneFamily later life lending Under 55 is 2.09% APR.
Does OneFamily offer mortgages over 70?
Yes, OneFamily mortgages over 70 are 1.9% MER.
Does OneFamily offer mortgages over 75?
Yes, OneFamily mortgages over 75 are 1.88% APRC.
Does OneFamily do later-life lending?
Yes, OneFamily later life lending is 1.92% MER.
What are the current OneFamily interest rates for retirement mortgages?
OneFamily interest rates for retirement mortgages are 2.06% APR.
Does OneFamily have good reviews for pensioner mortgages?
Yes, OneFamily reviews are splendid for pensioner mortgages.
Does the OneFamily Rio mortgage calculator show the LTV?
Yes, the OneFamily RIO mortgage calculator shows a good LTV of 70%.
Does a OneFamily retirement interest-only mortgage advisor charge a substantial fee?
No, OneFamily retirement interest-only mortgage advisors are free.
Does OneFamily offer mortgages over 60?
Yes, OneFamily mortgages over 60 are 2.13% MER.
Does OneFamily offer mortgages over 55?
Yes, OneFamily mortgages over 55 are 2.11% APR.






Towns where Lifetime Mortgages are popular
- Ashington
- Hadleigh
- Hedon
- Clare
- Marazion
- Lytchett Minster & Upton
- Margate
- Braintree
- Melksham
- Hetton
- Rye
- Banbury
- Accrington
- Elland
- RIO Age 52 UK
- Investec Bank
- RIO Age 40 for 2025
- Retirement Mortgage Properties Involved In Commercial Farming UK
- Pensioner Mortgage Age 48 in 2025
- Equity Loan Pitched Roofs Of Asbestoscement Tiles in 2025
- Pensioner Mortgage Reinforced Mesh K Lath Construction UK
- Remortgage Bad Credit Under 45 in 2025
- Remortgage Wolverhampton for 2025
- RIO External Walls Built Entirely Of Single Skin Brickwork for 2025
- Interest Only Mortgage Godiva Mortgages Ltd UK
- Refinance Chorley Building Society in 2025
- Interest Only Lifetime Mortgages Onesavings Bank for 2025
- Bad Credit Mortgages Halifax for 2025
- Pensioner Mortgage Family Building Society in 2025
- Bad Credit Mortgages Handelsbanken in 2025
- Interest Only Lifetime Mortgages Retirement Apartment UK
- Refinance Iva UK
- Refinance Precise Mortgages for 2025
- Bad Credit Mortgages Properties With A Steel Frame Bisf in 2025
- Bad Credit Mortgages Properties More Than Five Acres Of Land in 2025
- Remortgage Bad Credit Property With Solar Farms Wind Turbines Mobile Masts in 2025
- Remortgage Zephyr Mortgages for 2025
- Equity Loan Category A & B Listings Scotland Listed for 2025
- RIO Typical Interest Rates for 2025
- Refinance Age Restricted Properties for 2025
- Pensioner Mortgage Corrugated Iron Roofs Property-Iron UK
- Bad Credit Mortgages Bluestone Mortgages in 2025
- RIO St James Place Bank for 2025
- Retirement Mortgage Coutts Finance Co in 2025
- Retirement Mortgage Direct Lender in 2025
- Equity Loan Agricultural Land Mortgage UK UK
- Equity Loan Saffron Building Society Mortgages UK
- Equity Loan Bristol in 2025
- Pensioner Mortgage Property With Lodgers Tenancy Agreement for 2025
- Equity Loan No Credit Check for 2025
- Remortgage Equity Release Over 55 for 2025
- Pensioner Mortgage Age 47 in 2025
- Interest Only Mortgage First Direct UK
- RIO Merseyside Liverpool for 2025
- Interest Only Mortgage Hodge for 2025
- Refinance Direct Line UK
- Remortgage Scottish Isles Property in 2025
- Retirement Mortgage Mortgage Express in 2025
- Equity Loan For Self-Build in 2025
- Interest Only Lifetime Mortgages Aldermore Bank in 2025
- Interest Only Lifetime Mortgages Properties Held In Trust UK
- Pensioner Mortgage Freehold Flat in 2025
- Interest Only Lifetime Mortgages Properties With Roofs Of Thatch Or Timber Shingle for 2025
- Under 50
- Move Provider
- RIO Scotland in 2025
- Remortgage Prefabricated Concrete Houses for 2025
- Bad Credit Mortgages Danske Bank UK
- Hanley Economic Building Society
- Refinance Freehold Held By Local Authority UK
- Refinance Flats Within A Block Of 4-5 Storeys Or More No Lift for 2025
- Retirement Mortgage First Active UK
- Interest Only Lifetime Mortgages Age 49 in 2025
- RIO Atom Bank UK
- Bad Credit Mortgages West Yorkshire Leeds Bradford for 2025
- Equity Loan Properties Purchased Through A Right To Buy Scheme in 2025
- Equity Loan One Family UK
- Home Equity Loan Tsb Bank for 2025

- L&G Legal & General Flexi Max Voluntary Repayment Plan
- Liverpool Victoria LV Equity Release Schemes
- Pure Retirement Drawdown Plan
- Stonehaven Equity Release Plan
- Nationwide Interest Only Lifetime Mortgage
- HSBC Lifetime Mortgage
- NatWest Equity Release Plans
- Canada Life Lifestyle Lite Flexi
- Liverpool Victoria LV Equity Release
- HSBC Equity Release Schemes
- Lloyds Bank Equity Release Schemes
- Aviva Flexible Voluntary Repayment Plan
- Bridgewater Equity Release
- Canada Life Voluntary Select Gold Flexi
- Hodge Equity Release Schemes
- Liverpool Victoria LV= Flexible Lifetime Mortgage
- Nationwide Equity Release Schemes
- HSBC Equity Release
- NatWest Equity Release Plans
- Aviva Flexible Voluntary Repayment Plan
- Lloyds Bank Lifetime Mortgage
- Saga Equity Release Plans
Interest Only Lifetime Mortgages One Family
More2Life Retirement Mortgages
Do One Family do mortgages up to 85?
Yes, One Family does mortgages up to 85 at 2% APRC. One Family mortgage up to 85 can have a loan to value of 54.22%.
Does One Family offer later life lending to Under 55?
Yes, One Family Later Life lending Under 55 is 2.04% APR.
Do One Family do mortgages over 70?
Yes, One Family mortgages over 70 are 1.97% APR.
Do One Family do mortgages over 75?
Yes, One Family mortgages over 75 are 2.24% MER.
Does One Family do later life lending?
Yes, One Family Later Life lending is 2.13% APRC.
What are One Family interest rates for retirement mortgages?
One Family rates for retirement mortgages are 2.04.22% APR.
Does One Family have favourable reviews for pensioner mortgages?
Yes, One Family reviews are superb for pensioner mortgages.
Does the One Family Rio mortgage calculator show the loan to value (ltv)?
Yes, the One Family RIO mortgage calculator shows a favourable loan-to-value (ltv) of 74.22%.
Does a One Family retirement interest-only mortgage advisor charge a substantial fee?
No, One Family retirement interest-only mortgage advisors are free.
Does One Family offer mortgages over 60?
Yes, One Family mortgages over 60 are 2.1% MER.
Does One Family offer mortgages over 55?
Yes, One Family mortgages over 55 are 2.21% APR.
Pure Retirement Lifetime Mortgages
Equity Release LTV
- 54.22% lifetime mortgage with flexible drawdown cash release Legal & General
- 34.22% loan to value (LTV) monthly payment lifetime mortgage Pepper
Equity release is common among small business owners like below
- Agents involved in the sale of a variety of goods in Windermere
- Manufacture of electrical and electronic equipment for motor vehicles and their engines Banbury
- Manufacture of other machine tools Stafford
- Photographic activities not elsewhere classified as Fordingbridge
- Processing of nuclear fuel Wadhurst
- Roofing activities Kirkby Lonsdale
- Retail sale of fruit and vegetables in specialised stores Keighley
- Manufacture of macaroni, noodles, couscous and similar farinaceous products Rochford
- Support activities for crop production Worksop
- Youth hostels Kings Lynn
- Manufacture of assembled parquet floors Settle
- Advertising agencies Medlar-with-Wesham
- Retail sale of books in specialised stores Newmarket
- Manufacture of other general-purpose machinery n e c Fordbridge
- Gathering of wild growing non-wood products Alnwick
- Activities of other membership organizations n e c Clun
- Plant propagation Bovey Tracey
- Extraction of natural gas Sedgefield
- Other manufacturing n e c Thame
- Other amusement and recreation activities n e c Warrington
- Removal services Bishop Auckland
- Quarrying of ornamental and building stone, limestone, gypsum, chalk and slate Burgess Hill
- Marine aquaculture Romford
- Passenger rail transport, interurban Ampthill
- Financial management Rotherham

Equity Release LTV
The more elderly you are and the more serious your illnesses are, the more cash you can release.
It’s common to find individuals searching for lifetime mortgages with flexible drawdown cash release, lump sum lifetime mortgages, or home reversion schemes. However, Age Concerns like VitalityLife Equity Release are keen to see evidence of your personal situation in the form of bank statements.

The mortgage lender will want to know if the property is a semi-detached freehold house or a Leasehold flat and if the resident is an Assured shorthold tenant.








Equity Release Scheme Lenders
- More2Life
- Norwich Union
- Age Concern

Drawbacks of Lifetime Mortgages
Home reversion plans can reduce the inheritance for your family. Interest-only lifetime mortgages may impact the ability to claim entitlements. You may need to pay a solicitor’s fee, and some products may expose you to changes in interest rates.


Difficult-to-mortgage property variants include homes requiring essential repairs, properties where tenants live in a self-contained part of the property, right–to–buy properties in Scotland, commonhold properties, and freehold flats (England, Wales, Northern Ireland).
Some of the most popular pensioner mortgage products include Lloyds Bank lifetime mortgages, HSBC interest-only mortgages for over-60s near London, NatWest mortgages for people over 50, Legal & General retirement mortgages, and Nationwide BS retirement interest-only mortgages.
Difficult-to-mortgage property types can include timber-framed properties built before 1920, properties with single-skin brickwork where the single skin comprises more than 20% of the surface area of the external walls, studio flats located within the M25, former local authority flats, and properties where the flat is accessed via a deck or balcony.
Popular loan to value percentages of Lloyds interest-only mortgages for those over 70s, Barclays Bank later life interest-only mortgages over 75, Halifax interest only retirement mortgages for over 70s, Legal and General retirement mortgages over 65, RBS later life borrowing schemes over 55 and Nationwide BS interest only lifetime mortgages for people over 60 are 50%, 54.22% and 64.22%.
Tough-to-mortgage property titles can include properties built or converted into dwellings within the last 10 years, properties converted from modern commercial premises, properties without direct access to an adopted highway or which are accessed over an unmade road, properties being used for personal commercial use, and properties with mobile phone masts within influencing distance of the house.
Challenging to mortgage property variants can include properties with a sinking fund of 7% or more of the property sale price when the property is sold, properties with any structural defect, damp, dry or wet rot, properties with structural problems, asbestos construction and concrete panel houses.