
- Remove tax-free money from your property.
- No monthly repayments
- Use the money for a holiday
- It could be used to help tax planning
- No lender fees are added on
- All UK Postcodes are acceptable, including NI
- 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
Not interested in equity release? Do you want a conventional mortgage at 3.97%, regardless of your age? Please Click Here








Equity Release Loan To Value
The older you are and the unhealthier you are, the more cash you can release.
Pitfalls of Home Reversion Schemes
Interest-only lifetime mortgages can reduce the inheritance for your family. A lifetime mortgage with flexible drawdown cash release may impact entitlements to benefits. You may need to pay a broker’s fee and could be exposed to changes in interest rates with some products.



Wealthy business owners who could benefit from equity release tax planning
- Manufacture of other electronic and electric wires and cables Great Dunmow
- Retail sale of telecommunications equipment other than mobile telephones Edgware
- Renting of video tapes and disks Kendal
- Manufacture of professional and arcade games and toys Bentham
- Tanning and dressing of leather; dressing and dyeing of fur Holbeach
- Raising of swine pigs Brierley
- Manufacture of industrial gases Finchley
- Other telecommunications activities Swaffham
- Distribution of gaseous fuels through mains Sedbergh
- Life Reinsurance Canvey Island
- Maintenance and repair of motor vehicles Stow-on-the-Wold
- Activities of collection agencies Leigh
- Manufacture of air and spacecraft and related machinery Horley
- Remediation activities and other waste management services Holt
- Freshwater aquaculture Spilsby
- Other treatment of petroleum products, excluding petrochemicals manufacture Bedale.
- Wholesale of metals and metal ores Lyme Regis
- Manufacture of non-domestic cooling and ventilation equipment Bridlington
- Manufacture of pulp Bruton
- Manufacture of office machinery and equipment except computers and peripheral equipment Maltby
- General secondary education Hornsea
- Wholesale of petroleum and petroleum products Walsall
- Retail sale of hearing aids Arlesey
UK Equity Release Providers
- More2Life
- One Family
- the Telegraph
- LV Liverpool Victoria
- Canada Life Lifestyle Gold Flexi
- Hodge Lifetime Mortgage Plus
- More2Life Capital Choice Plus Plan
- TSB Equity Release Plans
- Saga Lifetime Mortgage
- More to Life Tailored Choice Plan
- Age Partnership Equity Release
- Canada Life Voluntary Select Gold Flexi
- More to Life Capital Choice Plus Plan
- Royal Bank of Scotland Equity Release Plans



- Interest Only Mortgage Coutts Finance Co UK
- Equity Loan Belfast Northern Ireland in 2025
- Equity Loan Barnsley Building Society UK
- Bad Credit Mortgages Manchester Building Society in 2025
- RIO No Early Repayment Charges UK
- RIO Intelligent Finance UK
- Home Equity Loan Move Provider UK
- Remortgage Clydesdale Bank UK
- Age 44
- Home Equity Loan Atom Bank UK
- Home Equity Loan Iva for 2025
- Pensioner Mortgage Molo Finance for 2025
- Home Equity Loan For 50-Year-Olds UK
- Refinance Flats Within A Block Of 4-5 Storeys Or More No Lift for 2025
- Equity Loan Pitched Roofs Of Asbestoscement Tiles in 2025
- Bad Credit Mortgages Mansfield Building Society Interest Rates for 2025
- RIO Foreign Nationals UK
- RIO Age Restricted Properties in 2025
- Equity Loan Corrugated Iron Roofs Property-Iron for 2025
- Kensington Mortgage Company
- Refinance Cob Construction House UK
- Equity Loan ITL Mortgages in 2025
- Bradford & Bingley Plc
- Refinance Masthaven Bank for 2025
- Age 42
- RIO No Credit Check UK
- RIO Accord Mortgages in 2025
- Bad Credit
- Remortgage Mansfield Bs UK
- RIO Newbury Building Society Mortgages for 2025
- Refinance Fleet Mortgages in 2025
- Retirement Mortgage Isle Of Wight And Anglesey for 2025
- Equity Loan Age 46 in 2025
- Ex Local Authority Flats Or Maisonettes
- Bad Credit Mortgages Asbestos Sheet for 2025
- Refinance Beverley Building Society UK
- Remortgage Bad Credit Properties Above Commercial Premises in 2025
- Pensioner Mortgage Darlington Building Society in 2025
- RIO Freehold Flat for 2025
- Equity Loan Laing Easiform Homes in 2025
- Home Equity Loan Properties Adjacent To Commercial Premises for 2025
- Home Equity Loan Age 41 UK
- Home Equity Loan Investec Bank UK
- Home Equity Loan Handelsbanken UK
- Home Equity Loan For Tenants In Common for 2025
- Remortgage Properties Valued At Less Than £100000 in 2025
- Equity Loan Properties Purchased Through A Right To Buy Scheme in 2025
- Equity Loan Prefabricated Concrete Houses UK
- Capital Home Loans
- Hodge
- Equity Loan Bank Of Ireland UK
- Equity Loan Properties That Have A Flat Roof in 2025
- Remortgage Converted Flats Or Maisonettes UK
- Remortgage Bad Credit Pre-Fabricated Properties in 2025
- RIO Kent Reliance for 2025
- Pensioner Mortgage Properties Involved In Commercial Farming in 2025
- Home Equity Loan Lendinvest for 2025
- Equity Loan Keystone Property Finance UK
The first and second charge lenders will want to know if the property is a Freehold house or a Leasehold flat and if the resident is an Owner-Occupier Primary Residence.
Areas in the UK where retirement mortgages are routine
- Andover
- Coulsdon
- March
- Congleton
- Settle
- New Romney
- Heathfield
- Northfleet
- Mitcheldean
- Normanton
- Partington
- Stourport-on-Severn
- Spennymoor
- Woburn
Hard-to-mortgage home types include properties in the course of construction or pre-construction, properties where multiple third parties are living in an annexe, feuhold/freehold properties (including flats) in Scotland, crofted houses and properties where the borrower(s) own the freehold with any connected party.
Appealing retirement mortgage products are Lloyds Bank mortgages for people 60 plus, Barclays Bank equity release schemes, Post Office over 60 lifetime mortgages, L&G over 60 mortgages and Nationwide Building Society mortgages for over 65.
Hard-to-finance home variants can include complex roof structures, properties with spray foam insulation applied to the underside of the roof, properties with a minimum floor area of 30 square metres, freehold/feuhold flats (Scotland only) and properties where the flat is accessed via a deck or balcony.
Popular LTV percentages of TSB over 60 lifetime mortgages no fees, Barclays Bank equity release schemes for over 55’s, Halifax over 60 mortgages, L&G over 60 lifetime mortgages no fees, Bank of Scotland mortgages for 60 year olds and Nationwide later life interest only mortgages over 75 are 34.22%, 54.22% and 64.22%.
Challenging to finance property titles can include grade ll Listed houses (grade C in Scotland and B2 in Northern Ireland), properties with room(s) or outbuilding(s) used for a small amount of personal commercial use, properties with a small number of solar panels or a wind turbine on the land for domestic use, properties with mobile phone masts which are not within influencing distance of the house and properties where Japanese Knotweed is present.
Tough-to-finance home variants include high service charges, properties without a kitchen or bathroom, properties where there are boundary disputes or where planning applications have not been applied for correctly, cob property and Reema Hollow panel, Schindler and Hawksley SGS, Stent, Stonecrete, Stour, Tarran, Underdown, Unity and Butterley, Waller, Wates, Wessex, Winget, and Woolaway.
How much cash can I borrow?
You can release 60% of your property’s value. For example, if your home is valued at £190,000, you can borrow £114,000.
How much is it common to release from a home
- 60% home reversion schemes Maximum cover Equity Release
- 54.22% loan to value home reversion plans Sunlife Plans
- 54.22% loan to value (LTV) home reversion plans Together Money
- 30% loan to value home reversion schemes, Marsden
- 30% LTV home reversion schemes Clearly Loans
- 40% loan to value home reversion schemes Shawbrook
- 24.22% loan to value monthly payment equity release Lloyds Bank


Pensioner Mortgage Pitched Roofs Of Asbestoscement Tiles




Interest Only Lifetime Mortgages Pitched Roofs Of Asbestoscement Tiles


Individuals are often found searching for a lifetime mortgage with a flexible drawdown cash release, a monthly payment lifetime mortgage, or a monthly payment equity release. However, Sunlife Plans like Fortify Insurance Solutions are keen to see evidence of your personal circumstances in the form of bank statements.