Release tax-free equity from your farm property
You don’t need to make regular monthly payments unless you want to
Help your family with the money you release
Still, have a few more mortgages payments to make? We can help with that
Can help tax planning
All UK Postcodes areas are acceptable
Properties which are made up of multiple titles are acceptable

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

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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 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:*

It is often found to encounter individuals looking for lump sum lifetime mortgages, monthly payment lifetime mortgage or lifetime mortgage with flexible drawdown cash release, however, More2Life like AIG Life are keen to see paperwork to show your situation in the form of bank statements.

Wealthy business owners who could benefit from equity release estate planning

Retail sale of automotive fuel in specialised stores Padiham
Research and experimental development on social sciences and humanities St Mawes
Manufacture of pesticides and other agrochemical products Howden
Compulsory social security activities Newbury
Manufacture and processing of other glass, including technical glassware Bacup
Manufacture of motor vehicles Seaton
Manufacture of electric lighting equipment Broadstairs and St Peters
Postal activities under universal service obligation Kirton-in-Lindsey
Manufacture of mattresses Pudsey
Licensed restaurants Hednesford
Technical testing and analysis Stonehouse
Wholesale of petroleum and petroleum products Rochdale
Regulation of and contribution to more efficient operation of businesses South Molton
Activities of extraterritorial organizations and bodies Bourne
Public order and safety activities Great Torrington
Weaving of textiles Wincanton
Manufacture of wooden containers Bishops Waltham
Other research and experimental development on natural sciences and engineering Brentwood
Licensed carriers Wells-next-the-Sea
Agents involved in the sale of food, beverages and tobacco West Bromwich
Manufacture of wine from grape Filton
Technical and vocational secondary education Stone
Manufacture of electric domestic appliances Knaresborough
Growing of citrus fruits Stony Stratford
Manufacture of pulp Ashford

Equity Release percentages of your current property value

The more elderly you are and the sicker you are the more money you can release.

UK Lenders for Equity Release

Age Concern
More to Life
Age Concern

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

Difficult to finance home types 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, crofted houses and properties with leased solar panels.

Popular retirement loan offerings include TSB mortgages for 60 year olds, Barclays Bank mortgages for over 70s, Post Office later life interest only mortgages, Legal and General mortgages over 70s and Nationwide pensioner mortgages.

Difficult to mortgage home variants can include difficult roof structures, properties with any externally applied insulation to the walls after construction, studio flats located within the M25, coach houses i.e. freehold properties with garages beneath and privately developed flats in blocks of three or four storeys without a lift.

Popular LTV percentages of Lloyds Bank mortgages for 60 year olds, Barclays Bank equity release schemes for over 55’s, Post Office retirement mortgages over 70, L&G later life mortgages for over 60s, Bank of Scotland retirement mortgagesover 65 and Nationwide BS pensioner mortgages over 70s are 45%, 55% and 70%.

Tough to finance home titles include flats of less than 30 square metres in any location, properties with flying or creeping freehold which comprises 15% or less of the total floor area, properties with more than one annexe or self-contained part of the property, properties where there is a self-contained part of the property or annexe, i.e. basement flat etc and properties which have been built on a previously contaminated land are acceptable provided the result of an environmental search determines the land to be clear of contamination.

Challenging to finance property titles can include high service charges, 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), properties of non-standard construction, thatched buildings and missing planning permission or building regulations approval.

How much can I get?

You can borrow 65% of your property’s value. As an example, if your home is valued at £260,000 you can get £169,000.

What percentage can be released?

60% lump sum lifetime mortgages The Exeter Equity Release
30% LTV home reversion schemes Beverley
55% loan to value (LTV) home reversion plans Legal and General
25% loan to value (LTV) lifetime mortgage with flexible drawdown cash release TSB – Intermediaries

Hodge Lifetime Retirement Mortgages

One Family Retirement Mortgages

Pensioner Mortgage Properties Involved In Commercial Farming

Interest Only Lifetime Mortgages Properties Involved In Commercial Farming

Disadvantages of Equity Release Plans

Interest-only lifetime mortgages can reduce the value of your estate. Interest-only lifetime mortgages may impact entitlements to state benefits. You may need to pay a broker’s fee and you could be exposed to changes in interest rates with some products.

Just Retirement Equity Release Plans
Nationwide Equity Release
Lloyds Bank Lifetime Mortgage
Aviva Lifetime Mortgage
Just retirement equity release lifetime mortgages
L&G Legal & General Flexible Max Plus
Stonehaven Equity Release
More 2 Life Flexi Choice Voluntary Payment Super Lite
Hodge Lifetime Flexible Voluntary Repayment Plan
Liverpool Victoria LV Equity Release Plans
Nationwide Equity Release
Royal Bank of Scotland Lifetime Mortgage
Saga Equity Release Plans
Aviva Lifetime Mortgages
Canada Life Lifetime Mortgages
More2Life Flexi Choice Drawdown Lite Plan
More to Life Flexi Choice Drawdown Lite Plan
Lloyds Bank Equity Release
Saga Equity Release Schemes
More 2 Life Capital Choice Plan

Areas of the UK where Lifetime Mortgages are routine

Sandiacre
Corbridge
Church Stretton
Morecambe
Oldbury
Horncastle
Ferryhill
Newton-le-Willows
Portishead and North Weston
Reading
Moreton-in-Marsh
East Retford
Beckenham
Kidderminster
Coulsdon
Bodmin
Alsager
Dartford
Deal

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