
- Remove tax-free cash from your property.
- You don’t need to make regular monthly payments
- Still, have some mortgage outstanding? No problems
- It can be used to manage inheritance tax bills
- 4.21% APR Equity Release
- Wimpey No fines construction properties are acceptable
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
Not interested in equity release? Do you want a conventional interest-only mortgage at 3.97%, regardless of your age? Please Click Here





One Family Drawdown Lifetime Mortgages


Pensioner Mortgage Properties Which Are Made Up Of Multiple Titles




Equity Release UK Lenders
- Just Retirement
- Stepchange
- Key Retirement
- One Family
Towns in the UK where retirement mortgages are popular
- Arlesey
- Silsden
- Ellesmere Port
- Kidsgrove
- Stone
- Deal
- Bridgwater
- Stratford-upon-Avon
- Bungay
- Haltwhistle
- Northallerton
- Needham Market
- Cannock
- Braintree
- Amersham
- North Hykeham
- Haltwhistle
- Bridlington
Equity Release LTV Percentages
- 54.22% monthly payment equity release Aegon
- 50% loan to value interest-only lifetime mortgages Just Retirement
- 44.22% loan to value lumpsum lifetime mortgages One Family
- 24.22% loan to value (LTV) monthly payment lifetime mortgage Equifinance
- 40% LTV monthly payment life time mortgage West One
- 34.22% loan to value lifetime mortgage with flexible drawdown cash release 1st Stop Home Loans

- More 2 Life Flexi Choice Voluntary Payment Super Lite
- Stonehaven Equity Release
- Lloyds Bank Equity Release Plans
- More2Life Flexi Choice Voluntary Payment Super Lite
- Liverpool Victoria LV Equity Release
- Stonehaven Lifetime Mortgage
- Nationwide Equity Release Plans
- NatWest Equity Release Plans
- Saga home reversion schemes
- Just Retirement Equity Release
- L&G Legal & General Flexible Lifetime Mortgage
- HSBC Equity Release Plans
- Lloyds Bank Equity Release
- TSB Lifetime Mortgage
- Age Partnership Interest Only Lifetime Mortgage
- Aviva Equity Release Schemes
- Hodge Equity Release Plans
- Just Retirement Equity Release
- L&G Legal & General Flexible Max Scheme
- Liverpool Victoria LV Equity Release
- More to Life Capital Choice Plan
- HSBC Equity Release Plans
- Royal Bank of Scotland Equity Release
- Age Partnership Equity Release Schemes
Pitfalls of Interest Only Lifetime Mortgages
Lump-sum lifetime mortgages can reduce the value of your estate. Home reversion schemes may impact the ability to claim benefits. You may need to pay a broker’s fee and you could be exposed to changes in interest rates with some products.
Hard-to-mortgage property variants can include poorly maintained properties at the time of the valuation inspection, properties where ownership is set up on a tenancy in common basis, right–to–buy properties in Scotland, leasehold properties (with the exception of flats and maisonettes), and properties where the borrower(s) own the freehold with any connected party.
Some of the most common pensioner finance products are TSB equity release schemes, Barclays Bank lifetime mortgages, NatWest retirement mortgages, Legal and General mortgages for pensioners, and Nationwide mortgages for people 60 and older.
Hard-to-mortgage home types can include properties with post-1945 asbestos or similar composition roof tiles, properties with single-skin brickwork where the single skin comprises more than 20% of the surface area of the external walls, large concrete panel systems, coach houses, i.e., freehold properties with garages beneath, and freehold flats (England, Wales, Northern Ireland).
Some of the most popular loan-to-value percentage ratios for Lloyds later life borrowing schemes over 55, Barclays RIO mortgages over 75, NatWest pensioner mortgages over 60, Legal & General equity release schemes for people over 70, Royal Bank of Scotland interest-only mortgages for people over 60, and Nationwide Building Society mortgages for people 60 plus are 44.22%, 54.22%, and 70%.
Challenging to finance home titles can include flats of less than 30 square metres in any location, properties with room(s) or outbuilding(s) used for a small amount of personal commercial use, properties with more than one annexe or self-contained part of the property, properties using rooms, land or outbuildings for business purposes which are not personal to the borrower(s) or which extend to more than 50% of the property to be secured and properties that have a private water supply provided a contract is in place with an approved maintenance company for regular testing and maintenance.
Challenging to finance property titles include properties with a sinking fund of 7% or more of the property sale price when the property is sold, leasehold properties with a short lease, typically less than 70 years, or a defective lease, some properties with sitting tenants or regulated tenancies, asbestos construction and Airey, Boot, Cornish Unit, Dorran, Dyke, Gregory, Hamish Cross, Myton, Newland, Orlit and Parkinson Frame.
Loan to value for equity release?
You can release 64.22% of your property’s value. For example, if your home is worth £210,000, you can release £126,000.
How much is it common to release from a home
The more elderly you are and the unhealthier you are, the more cash you can release.


Business owners who could benefit from equity release tax planning
- Manufacture of photographic and cinematographic equipment in Kings Lynn
- Manufacture of trailers and semi-trailers in Cheltenham
- Wholesale of china and glassware and cleaning materials Petworth
- Raising of swine pigs Heanor and Loscoe
- Manufacture of men’s underwear Hornsea
- Water collection, treatment and supply Guildford
- Raising of horses and other equines Soham
- Repair of footwear and leather goods Alston
- Wholesale of wine, beer, spirits and other alcoholic beverages Kingston-upon-Thames
- Renting and leasing of recreational and sports goods Abingdon-on-Thames
- Plant propagation Kingsbridge
- Risk and damage evaluation Morecambe
- Manufacture of ceramic sanitary fixtures in Aspatria
- Machining Wimborne Minster
- Other software publishing Horley
- Public relations and communications activities Harpenden
- Other building completion and finishing Royal Tunbridge Wells
- Manufacture of margarine and similar edible fats Conisbrough
- Manufacture of consumer electronics Cromer
- Inland passenger water transport Ware
- Retail sale of electrical household appliances in specialised stores in Newmarket
- Other education n e c Bexley
- Agents involved in the sale of textiles, clothing, fur, footwear and leather goods Ilford
- Silviculture and other forestry activities Harrogate







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- Home Equity Loan Category A & B Listings Scotland Listed UK
- Interest Only Mortgage Property With Solar Farms Wind Turbines Mobile Masts for 2025
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- Properties Held By Companies
- RIO Age 46 in 2025
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- First Active
- Refinance Magellan Homeloans UK
- Refinance Asbestos UK
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- More To Life
- Refinance Non-Standard Construction in 2025
- Pensioner Mortgage No Credit Check UK
- Remortgage Bad Credit Just in 2025
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Interest Only Lifetime Mortgages Properties Which Are Made Up Of Multiple Titles
It’s usual to find people looking for interest-only lifetime mortgages, monthly payment lifetime mortgages, or interest-only lifetime mortgages. However, More2Life, like The Exeter Equity Release, is keen to see proof of your personal circumstances in the form of investment statements.




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