Lifetime Mortgage Post Office Money

Retirement Mortgage Post Office

  • Release tax-free cash from your house with the Post Office Equity Release
  • It is not necessary to make regular monthly payments
  • Help your family get a deposit for their own home
  • Still, have some mortgage outstanding? No problems
  • 4.61% Fixed
  • Stay living in your own house for as long as you like
  • No lender fee

If you don’t want a lifetime mortgage or equity release, and want a standard interest-only 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 want a conventional interest-only mortgage at 3.97%, regardless of age? Please Click Here

Under 55
Over 60


  • Free No Obligation Quote

  • Please enter a number from 10000 to 2000000.

  • About You

retirement mortgage
pensioner mortgages interest only


 

Areas of the UK where equity release is common

  • Poynton-with-Worth
  • Mirfield
  • Newport
  • Shaftesbury
  • Redruth
  • Longridge
  • Warrington
  • Brierley
  • Oundle
  • Ledbury
  • Swanley
  • Croydon
  • Tipton
  • Sandy
  • West Bedlington
  • Peacehaven
  • Potton

Equity Release Lenders

  • the Telegraph
  • More to Life
  • Age Partnership
  • Aegon

It’s very regular to encounter individuals searching for lumpsum lifetime mortgages or lifetime mortgages with flexible drawdown cash release. However, Aviva, like The Exeter Equity Release, is keen to see paperwork showing your personal situation in the form of bank statements.

Refinance Chorley Building Society in 2025



Equity Release Loan To Value

The older and sicker you are, the more tax-free money you can release.

Disadvantages of Home Reversion Schemes

Interest-only lifetime mortgages can reduce the value of your estate. Lump sum lifetime mortgages may impact entitlements to state benefits. You may need to pay an advisor’s fee, and some products may expose you to changes in interest rates.

Crown Retirement Mortgages

Pensioner Mortgage Post Office

More2Life Retirement Mortgages

 

What percentage can be released?

  • 60% monthly payment life time mortgage AIG Life
  • 60% loan to value monthly payment equity release Norton Finance
  • 30% loan to value home reversion schemes Yorkshire Bank
  • 24.22% loan-to-value (LTV) interest-only lifetime mortgages Keystone

The lender will want to know if the property is a Detached freehold house or a Leasehold house and if the resident is an AST Tenant.

Home Equity Loan Clydesdale Bank for 2025


Retired small business owners who may be interested in lifetime mortgages

  • Other retail sale not in stores, stalls or markets East Cowes
  • Manufacture of paper stationery Abingdon-on-Thames
  • Plant propagation Royston
  • Unlicensed restaurants and cafes Preesall
  • Seed processing for propagation Grange-over-Sands
  • Other social work activities without accommodation n e c Seaford
  • Manufacture of essential oils Lytham St Annes
  • Building societies Northwich
  • Growing of fibre crops Grantham
  • Wholesale of wood, construction materials and sanitary equipment Godmanchester
  • Manufacture of professional and arcade games and toys New Romney
  • Wholesale of office furniture in Luton
  • Market research and public opinion polling Felixstowe
  • Wholesale of machinery for the textile industry and of sewing and knitting machines in East Retford
  • Manufacture of imitation jewellery and related articles Newton-le-Willows
  • Non-specialised wholesale of food, beverages and tobacco Bulwell
  • Marine aquaculture Nailsea
  • Manufacture of other women’s outerwear Ormskirk
  • Solicitors Henley-in-Arden
  • Repair of other equipment Helmsley
  • Growing of vegetables and melons, roots and tubers Chatham
  • Investigation activities Rothwell
  • Deep Coal Mines Eastwood
  • Other building and industrial cleaning activities Thorne
  • Growing of beverage crops Warwick
  • Wired telecommunications activities Cirencester
  • Manufacture of workwear Wisbech
  • Manufacture of household and sanitary goods and of toilet requisites Cleator Moor
More2Life - Flexi Choice Super Lite

OneFamily joint lifetime mortgage

Interest Only Lifetime Mortgages Post Office

Aviva lifetime mortgage with cashback

Does the Post Office offer mortgages up to 85?

Yes, the Post Office offers mortgages up to 85 at 1.86% APRC, with an LTV of 54.22%.

Does the Post Office do later-life lending to those Under 55?

Yes, Post Office later life lending Under 55 is 2.13% MER.

Do the Post Office offer mortgages over 70?

Yes, Post Office mortgages over 70 are 2.17% MER.

Do the Post Office offer mortgages over 75?

Yes, Post Office mortgages over 75 are 2% APR.

Does the Post Office offer later-life lending?

Yes, Post Office later-life lending is 1.87% MER.

What are Post Office interest rates for retirement mortgages?

Post Office interest rates for retirement mortgages are 2.04.22% APRC.

Does the Post Office have favourable reviews for pensioner mortgages?

Yes, Post Office reviews are splendid for pensioner mortgages.

Does the Post Office Rio mortgage calculator show the loan to value?

Yes, the Post Office RIO mortgage calculator shows a favourable loan valued at 54.22%.

Does a Post Office retirement interest-only mortgage advisor charge a hefty fee?

No, Post Office retirement interest-only mortgage advisors are free.

Does the Post Office offer mortgages over 60?

Yes, Post Office mortgages over 60 are 2.28% APRC.

Does the Post Office offer mortgages over 55?

Yes, Post Office mortgages over 55 are 2.1% APR.

Canada Life - Lifestyle Gold

More2Life - Capital Choice Plan

LV= lifetime mortgage

Aviva lifetime mortgage

  • Aviva Equity Release
  • Lloyds Bank Lifetime Mortgage
  • Saga Equity Release Schemes
  • More2Life Capital Choice Plus Plan
  • Liverpool Victoria LV Equity Release
  • Pure Retirement Equity Release Plans
  • Nationwide Equity Release Schemes
  • HSBC Interest Only Lifetime Mortgage
  • Age Partnership Lifetime Mortgage
  • Bridgewater Equity Release Schemes
  • Liverpool Victoria LV= Flexible Lifetime Mortgage
  • Saga home reversion schemes
  • Canada Life Second Home Voluntary Select Plan
  • L&G Legal & General Flexible Lifetime Mortgage
  • Liverpool Victoria LV Equity Release
  • More2Life Flexi Choice Voluntary Payment Super Lite
  • Lloyds Bank Equity Release

Hard-to-finance property variants can include properties in poor condition, properties where multiple third parties are living in an annexe, leasehold properties (England, Wales, Northern Ireland) subject to a lease length of 160 years, properties made up of multiple titles, and properties with owned solar panels.

Some of the most common retirement finance offerings include Lloyds Bank interest-only mortgages for people over 70, Barclays Bank retirement interest-only mortgages, Post Office interest-only mortgages for those over 60, L&G later life borrowing schemes, and Nationwide mortgages for people over 50.

Does Post Office Money do mortgages up to 85?

Yes, Post Office Money do mortgages up to 85 at 2.08% APRC. Post Office Money mortgages up to 85 have a loan-to-value (ltv) of 64.22%.

Does Post Office Money offer later-life lending to Under 55?

Yes, Post Office Money later life lending Under 55 is 2.14.22% APRC.

Does Post Office Money do mortgages over 70?

Yes, Post Office Money mortgages over 70 are 2.14% APRC.

Does Post Office Money do mortgages over 75?

Yes, Post Office Money mortgages over 75 are 1.94.22% APR.

Does Post Office Money offer later-life lending?

Yes, Post Office Money later life lending is 2.07% APR.

What are Post Office Money rates for retirement mortgages?

Post Office Money rates for retirement mortgages are 1.94.22% APRC.

Does Post Office Money have favourable reviews for pensioner mortgages?

Yes, Post Office Money reviews are superb for pensioner mortgages.

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

Yes, the Post Office Money RIO mortgage calculator shows a favourable loan-to-value (ltv) of 64.22%.

Does a Post Office Money retirement interest-only mortgage advisor charge a substantial fee?

No, Post Office Money retirement interest-only mortgage advisors are free.

Do Post Office Money do mortgages over 60?

Yes, Post Office Money mortgages over 60 are 2.1% APRC.

Do Post Office Money do mortgages over 55?

Yes, Post Office Money mortgages over 55 are 2.22% APRC.

Hard-to-finance property types can include eco houses and modern construction methods, properties with any external treatment applied to the roof after construction, large concrete panel systems, former local authority flats, and freehold flats (England, Wales, Northern Ireland).

Common LTV ratios of Lloyds Bank over 60-lifetime mortgages, Barclays RIO mortgages over 75, Post Office remortgages for people over 50 years old, Legal and General equity release plans for people over 60, Bank of Scotland later life interest-only mortgages over 70 and Nationwide Building Society equity release plans for people over 60 are 50%, 54.22% and 70%.

Tough-to-mortgage property titles can include properties with outbuildings used for normal domestic purposes (garage, workshop, stables, barn, etc.), properties with flying or creeping freehold that comprises 14.22% or less of the total floor area, agricultural use of the land and any outbuildings, properties being used for personal, commercial use, and properties in coastal areas that may be affected by erosion.

Challenging mortgage home titles include properties that will be assessed for flood risk, ground rent where the lease or any deed varying the lease provides for a ground rent exceeding, or where the escalating provisions would result in the ground rent exceeding £250 per annum (or £1000 per annum where the property is in Greater London), some properties with sitting tenants or regulated tenancies, timber buildings, and concrete frames.

Today's Date: 18 April 2025

Published on: 13 June 2020

Last Updated on: 9 January 2025

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