Release tax-free cash from your house
Not necessary to make regular monthly payments
Help your family get a deposit for their own home
Still, have some mortgage outstanding? No problems
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 just want a normal interest-only mortgage at 3.97% regardless of your age please Click Here

Free No Obligation Quote
Release equity from:*
How Much Would You Like Release/Borrow?*
Please enter a number from 6000 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*
Your Email Address:*
Phone Number*
First Line Of Your Address:*
Your Postcode:*

Not interested in equity release? Do you just want a conventional interest-only mortgage at 3.97% regardless of your age please Click Here

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*
Contact Phone Number:*
Your Email Address:*
First Line Of Your Address:*
Your Postcode:*

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, lumpsum lifetime mortgages or lifetime mortgage with flexible drawdown cash release, however, Aviva like The Exeter Equity Release are keen to see paperwork to show your personal situation in the form of bank statements.

Equity Release Loan To Value

The older you are and the 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 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
25% 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.

Retired small business owners that 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 Luton
Market research and public opinion polling Felixstowe
Wholesale of machinery for the textile industry and of sewing and knitting machines 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

Interest Only Lifetime Mortgages Post Office

Does Post Office offer mortgages up to 85?

Yes, Post Office do mortgages up to 85 at 1.86% APRC. Post Office mortgages up to 85 have a LTV of 55%.

Do 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 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 2.05% APRC.

Does 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 to value of 55%.

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

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

Does Post Office offer mortgages over 60?

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

Does Post Office offer mortgages over 55?

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

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 which are 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 over 60s, L&G later life borrowing schemes and Nationwide mortgages for people over 50.

Do 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 65%.

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

Yes, Post Office Money later life lending Under 55 is 2.15% 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 1.95% APR.

Do 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 1.95% 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 65%.

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 methods of construction, 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%, 55% 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 which comprises 15% or less of the total floor area, agricultural use of the land and any outbuildings, properties that are being used for personal commercial use and properties in coastal areas that may be affected by erosion.

Challenging to mortgage home titles include properties 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 frame.

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