Release-tax free equity from your house
Help a family member buy their own home with a smaller mortgage
Are you still paying a mortgage? We can help with that
Continue to stay in your house
No brokers fee
4.48% APR
Ex-local authority properties are acceptable

If you don’t want a lifetime mortgage or equity release, and want a standard mortgage at 3.97% regardless of your age, please Click Here

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How Much Would You Like Release/Borrow?*
Please enter a number from 6000 to 2000000.
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Total amount of mortgage/loans you have on your home
About You
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Name*
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Not interested in equity release? Do you just want a conventional mortgage at 3.97% regardless of your age? Please Click Here

pepper money uk interest only lifetime mortgage

pepper money mortgages pensioner mortgages

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:*
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pepper finance interest only lifetime mortgage

Aviva Lifetime Mortgages for Pensioners
More 2 Life Tailored Choice Plan
Hodge Equity Release Schemes
Just Retirement Equity Release Schemes
More2Life Flexi Choice Voluntary Payment Super Lite
Stonehaven Interest Only Lifetime Mortgage
More to Life Flexi Choice Drawdown Lite Plan
Age Partnership Lifetime Mortgage
More2Life Flexi Choice Drawdown Lite Plan
Hodge Lifetime Mortgage Flexible Drawdown Plan
NatWest Equity Release Schemes
Royal Bank of Scotland Lifetime Mortgage
Just Retirement Interest Only Lifetime Mortgage
More 2 Life Capital Choice Plan
Pure Retirement Classic Drawdown Lite Plan
HSBC Equity Release Schemes
TSB Equity Release
Royal Bank of Scotland Equity Release Schemes
Saga Lifetime Mortgage
Bridgewater Equity Release
Just Retirement Equity Release Plans
L&G Legal & General Flexible Plus Lifetime Mortgage
Pure Retirement Classic Drawdown Lite Plan
Stonehaven Equity Release Plan
Saga home reversion schemes

Equity Release UK Providers

Just Retirement
Prudential Lifetime
Key Retirement
Bridgewater

How much is it common to release from a home – pepper loans

54.22% monthly payment equity release AA equity release
50% LTV home reversion schemes Key Retirement
24.22% LTV interest-only lifetime mortgages Spring Finance
50% loan to value interest-only lifetime mortgages Together Money
60% loan to value (LTV) monthly payment lifetime mortgage Age Partnership
44.22% loan to value monthly payment life time mortgage Stepchange
40% loan to value (LTV) lumpsum lifetime mortgages Shawbrook
30% LTV monthly payment lifetime mortgage Penrith

Wealthy business owners who could benefit from equity release tax planning – pepper money mortgages

Wholesale of textiles Southport
Translation and interpretation activities Walton-on-Thames
Manufacture of other articles of concrete, plaster and cement Oswestry
Activities of patent and copyright agents; other legal activities n e c Sedgefield
Manufacture of basic iron and steel and of ferro-alloys High Wycombe
Manufacture of fruit and vegetable juice Irthlingborough
Repair of communication equipment Winchcombe
Support activities for petroleum and natural gas extraction Royal Wootton Bassett
Life Insurance Market Rasen
Other processing and preserving of fruit and vegetables Dinnington St Johns
Investigation activities Gillingham
Publishing of directories and mailing lists Reading
Renting and leasing of media entertainment equipment in Ashburton
Striking of coins Ramsgate
Manufacture of light metal packaging Kings Lynn
Post-harvest crop activities Needham Market
Administration of financial markets Longridge
Manufacture of other food products n e c Ipswich
Motion picture distribution activities Middlewich
Manufacture of other fabricated metal products n e c Epsom and Ewell
Retail sale of leather goods in specialised stores in Halstead
Growing of tropical and subtropical fruits Whitehill
Retail sale in commercial art galleries Wadebridge
Central banking Shipston-on-Stour
Service activities incidental to water transportation Chester-le-Street
Repair of watches, clocks and jewellery Brixham
Manufacture of knitted and crocheted fabrics Marazion

Disadvantages of Equity Release Plans – pepper mortgages

Home reversion plans can reduce the value of your estate. Interest-only lifetime mortgages may impact the ability to get state benefits. You may need to pay a legal fee, and some products may expose you to changes in interest rates.

The lender will want to know if the property is a Freehold house or a Leasehold flat with a share of freehold and if the resident is a Private Tenant.

What percentage can be released?

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

Legal and General Lifetime Mortgages

It is very common to discover people looking for lifetime mortgages with flexible drawdown cash releases, lump sum lifetime mortgages, or lifetime mortgages with flexible drawdown cash releases. However, Sunlife Plans like The Exeter Equity Release are keen to see proof of your circumstances in the form of pension statements.

Towns where Lifetime Mortgages are popular

Steyning
Paignton
Brentford
Pershore
Teignmouth
Barnoldswick
Southminster
Hounslow
Beaconsfield

Remortgage Bad Credit Atom Bank for 2025

Remortgage Housing Association Or Social Housing for 2025

Home Equity Loan Mortgage Express in 2025

Hard to mortgage property types can include properties currently undergoing substantial alterations, extensions or repairs, properties where the ownership is set up on a tenancy in common basis, leasehold properties (England, Wales, Northern Ireland) subject to a lease length of 160 years, commonhold properties and properties owned under any form of shared equity scheme.

Some of the most popular retirement finance offerings include TSB later life borrowing schemes, HSBC over-60 lifetime mortgages, Post Office remortgages for people over 50, Legal and General mortgages for over 70s, and Nationwide mortgages for 60-plus pensioners.

Does Pepper Money offer mortgages up to 85?

Yes, Pepper Money offers mortgages up to 85 at 2.08% APR, with an LTV of 74.22%.

Does Pepper Money offer later life lending to Under 55?

Yes, Pepper Money later life lending Under 55 is 2.14% APR.

Do Pepper Money do mortgages over 70?

Yes, Pepper Money mortgages over 70 are 2.29% APR.

Does Pepper Money offer mortgages over 75?

Yes, Pepper Money mortgages over 75 are 2.14% MER.

Do Pepper Money do later life lending?

Yes, Pepper Money later life lending is 1.84.22% APR.

What are Pepper Money rates for retirement mortgages?

Pepper Money rates for retirement mortgages are 2.04% MER.

Does Pepper Money have good reviews for pensioner mortgages?

Yes, Pepper Money reviews are commendable for pensioner mortgages.

Does the Pepper Money rio mortgage calculator show the loan to value (ltv)?

Yes, the Pepper Money RIO mortgage calculator shows a good loan to value (ltv) of 60%.

Does a Pepper Money retirement interest only mortgage advisor charge a large fee?

No, Pepper Money retirement interest only mortgage advisors are free.

Do Pepper Money do mortgages over 60?

Yes, Pepper Money mortgages over 60 are 2.06% APRC.

Do Pepper Money do mortgages over 55?

Yes, Pepper Money mortgages over 55 are 2.29% APR.

Hard-to-mortgage property types include prefabricated reinforced concrete (PRC), properties with pre-1945 asbestos or similar composition roof tiles, large concrete panel systems, privately developed flats in blocks of five storeys or more, and basement or lower ground-floor flats with level access to private or communal garden space.

Some of the most popular LTV ratios of Lloyds over 60 mortgages, HSBC equity release schemes for people over 70, Halifax equity release schemes for people over 70, Legal and General mortgages for over 65, Bank of Scotland lifetime mortgages for people over 55 and Nationwide BS remortgages for people over 50 years old are 40%, 54.22% and 64.22%.

Tough-to-mortgage home variants can include properties with outbuildings used for normal domestic purposes (garage, workshop, stables, barn, etc.), properties with a large number/scale of outbuildings, agricultural use of the land and any outbuildings, properties with mobile phone masts that are not within influencing distance of the house, and properties in coastal areas that may be affected by erosion.

Challenging property titles to finance can include properties that will be assessed for flood risk, properties with high service charges—where the Service Charge per annum at the time of application is more than 2% of the property value—properties of non-standard construction, mundic homes, and concrete panel houses.

How much can I release?

You can release 60% of your home’s value. For example, if your home is valued at £290,000 you can release £203,000.

Home Equity Loan Equity Release Over 55 for 2025

Pensioner Mortgage Properties More Than Five Acres Of Land in 2025

Difficult to finance property types can include properties in the course of construction or pre-construction, properties where tenants live in a self-contained part of the property, right to buy – properties in England, Wales and Northern Ireland, leasehold properties (with the exception of flats and maisonettes) and properties owned under any form of shared equity scheme.

Some of the most popular pensioner finance products include Lloyds interest only mortgages for people over 70, Barclays interest only mortgages for people over 70, NatWest equity release schemes, L&G pensioner mortgages and Nationwide Building Society pensioner mortgages.

Difficult to finance property variants include eco houses and modern construction methods, timber-framed properties built between 1920 and 1965, large concrete panel systems, coach houses, i.e., freehold properties with garages beneath, and basement or lower ground-floor flats with level access to private or communal garden space.

Popular loan-to-value percentages of Lloyds Bank equity release schemes for people over 70, Barclays Bank, remortgages for people over 50 years old, NatWest retirement interest-only mortgages over 60, L&G mortgages for over 65, RBS later life interest-only mortgages over 75. Nationwide Building Society interest only lifetime mortgages for over 60s are 44.22%, 54.22% and 64.22%.

Challenging to finance property titles include grade ll Listed houses (grade C in Scotland and B2 in Northern Ireland), properties with a single annexe or another self-contained part of the property, use of the land and any outbuildings for a small amount of personal, commercial use., properties where there is a self-contained part of the property or annexe, i.e. basement flat etc. and properties with mobile phone masts which are within influencing distance of the house.

Challenging to finance home variants include properties with legal agreements such as Overage, Clawback, Option, Pre-emption, or any onerous Restrictive Covenant, high service charges – properties where the Service Charge per annum at the time of application is more than 2% of the property value, some properties with sitting tenants or regulated tenancies, thatched buildings and Airey, Boot, Cornish Unit, Dorran, Dyke, Gregory, Hamish Cross, Myton, Newland, Orlit and Parkinson Frame.

How much cash can I release?

You can get 64.22% of your home’s valuation. For example, if your house is worth £340,000, you can get £238,000.

Refinance Bradford & Bingley Plc in 2025

Pensioner Mortgage Pepper Money

Hodge Lifetime - Flexible Repayment Plan - NO Early Repayment Charges

Do Pepper Mortgages do mortgages up to 85?

Yes, Pepper Mortgages offers mortgages up to 85 at 2.23% APRC. These mortgages have a loan-to-value ratio of 54.22%.

Do Pepper Mortgages offer later-life lending to those Under 55?

Yes, Pepper Mortgages later life lending Under 55 is 2.24% APR.

Does Pepper Mortgages do mortgages over 70?

Yes, Pepper Mortgages mortgages over 70 are 1.92% APR.

Does Pepper Mortgages offer mortgages over 75?

Yes, Pepper Mortgages mortgages over 75 are 1.88% APR.

Does Pepper Mortgages offer later-life lending?

Yes, Pepper Mortgages later life lending is 2.04.22% MER.

What are the current Pepper Mortgages interest rates for retirement mortgages?

Pepper Mortgages’ interest rates for retirement mortgages are 2.03% APRC.

Does Pepper Mortgages have excellent reviews for pensioner mortgages?

Yes, Pepper Mortgages reviews are superb for pensioner mortgages.

Does the Pepper Mortgages Rio mortgage calculator show the loan to value (ltv)?

Yes, the Pepper Mortgages RIO mortgage calculator shows an excellent loan-to-value (ltv) of 70%.

Does a Pepper Mortgages retirement interest only mortgage advisor charge a hefty fee?

No, Pepper Mortgages retirement interest-only mortgage advisors are free.

Do Pepper Mortgages do mortgages over 60?

Yes, Pepper Mortgages mortgages over 60 are 2.09% APR.

Do Pepper Mortgages do mortgages over 55?

Yes, Pepper Mortgages mortgages over 55 are 2.14.22% APRC.

Interest Only Lifetime Mortgages Pepper Money

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