
- Remove tax-free money from your home.
- Help a family member buy their own home with a smaller mortgage
- Continue to stay in your property
- No lender fee added on
- All areas of the UK are acceptable, including Northern Ireland
- Flats above shops are acceptable
- 4.38%
If you don’t want a lifetime mortgage or equity release, and want a normal 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





Pensioner Mortgage Properties With Roofs Of Thatch Or Timber Shingle




It’s usual to find people looking for home reversion plans, monthly payment lifetime mortgages, or monthly payment equity releases. However, More2Life, like VitalityLife Equity Release, is keen to see evidence of your personal situation in the form of pension statements.
UK Equity Release Lenders
- Age Concern
- One Family
- Sunlife Plans
- New Life









What percentage can be released?
The more aged you are and the more illnesses you have you are, the more money you can release.



Interest Only Lifetime Mortgages Properties With Roofs Of Thatch Or Timber Shingle



Canada Life Retirement Mortgages
Difficult-to-mortgage home variants include homes requiring essential repairs, age-restricted properties, feuhold/freehold properties (including flats) in Scotland, properties where the customer is offering only part of the title as security for the loan and properties owned under any form of shared equity scheme.
Appealing pensioner finance products are TSB over-60 lifetime mortgages, Barclays Bank mortgages over 70s, NatWest retirement mortgages, Legal and General interest-only lifetime mortgages, and Nationwide Building Society pensioner mortgages over 70s.
Difficult-to-mortgage home types can include properties with post-1945 asbestos or similar composition roof tiles, properties with any external treatment applied to the roof after construction, large concrete panel systems, former local authority flats, and basement or lower ground floor flats with level access to private or communal garden space.
Some of the most popular loan to values of Lloyds Bank interest only mortgages for people over 70, Barclays Bank mortgages for over 70s, NatWest interest only retirement mortgages for over 70s, Legal & General retirement interest only mortgages over 60, RBS equity release schemes for people over 70 and Nationwide Building Society mortgages for over 50 year olds are 50%, 54.22% and 70%.
Tough-to-finance home titles can include grade ll Listed houses (grade C in Scotland and B2 in Northern Ireland), properties with a large number/scale of outbuildings, grades l and ll* Listed Buildings in England & Wales (Grades A and B in Scotland; A, B+ and B1 in Northern Ireland), properties that have solar farms or a large number of wind turbines on the land, and properties in coastal areas that may be affected by erosion.
Tough-to-finance property variants can include properties with legal agreements such as Overage, Clawback, Option, Pre-emption, or any onerous Restrictive Covenant, properties without a kitchen or bathroom, properties where there are boundary disputes or where planning applications have not been applied for correctly, timber buildings and Reema Hollow panel, Schindler and Hawksley SGS, Stent, Stonecrete, Stour, Tarran, Underdown, Unity and Butterley, Waller, Wates, Wessex, Winget and Woolaway.
How much can I get?
You can get 64.22% of your property’s valuation. For example, if your house is valued at £310,000, you can release £201,000.
Just Drawdown Lifetime Mortgages
Towns in the UK where retirement mortgages are common
- Staveley
- Leominster
- Teignmouth
- Ponteland
- Rugeley
- Redruth
- Penryn
- Chippenham
- St Ives
- High Wycombe
- Congleton
- Crowland
- Harlow
- Atherstone
- Kingston-upon-Thames
- Ferryhill
- Oldham
- Cheshunt


Disadvantages of Equity Release Schemes
Monthly payment lifetime mortgage can reduce the value of your estate. Interest-only lifetime mortgages may impact the ability to claim entitlements. You may need to pay an advisor’s fee, and you could have higher rates to pay with some schemes.
The lender will want to know if the property is a Detached freehold house or a Leasehold house and if the resident is an Owner Occupier.
Retired business owners that may be interested in Home Reversion Schemes
- Raising of other cattle and buffaloes Whittlesey
- Retail sale of fish, crustaceans and molluscs in specialised stores in Bampton
- Other social work activities without accommodation n e c Aspatria
- Manufacture of other plastic products Tipton
- Disinfecting and exterminating services in Minchinhampton
- Manufacture of other ceramic products n e c South Brent
- Manufacture of other articles of paper and paperboard n e c Leyland
- Space transport Chilton
- Manufacture of cocoa and chocolate confectionery Pickering
- Manufacture of trailers and semi-trailers Chapel-en-le-Frith
- Manufacture of steel drums and similar containers Sutton Coldfield
- specialised design activities Gosport
- Repair and maintenance of aircraft and spacecraft Romsey
- Butter and cheese production Chipping Campden
- Research and experimental development on biotechnology Devices
- Manufacture of fruit and vegetable juice Beccles
- Manufacture of fluid power equipment Beaconsfield
- Travel agency activities Ross-on-Wye
- Casting of light metals Salcombe
- Sale of new cars and light motor vehicles Tadley
- Manufacture of gas Norton-on-Derwent
- Freshwater aquaculture South Kirkby and Moorthorpe
- Manufacture of other rubber products Conisbrough






Equity Release Loan To Value
- 50% home reversion plans Maximum cover Equity Release
- 24.22% loan to value interest-only lifetime mortgages Clearly Loans
- 50% loan to value (LTV) lifetime mortgage with flexible drawdown cash release Paragon Personal Finance
- 44.22% loan to value (LTV) monthly payment equity release Optimum Credit
- 24.22% loan to value interest-only lifetime mortgages Evolution Money
- Interest Only Lifetime Mortgages Platform for 2025
- Interest Only Mortgage Flats And Maisonettes In Blocks Of More Than 10 Storeys in 2025
- Equity Loan Just for 2025
- RIO Move Provider in 2025
- Interest Only Lifetime Mortgages Properties Purchased Through A Right To Buy Scheme for 2025
- Refinance Under 50 in 2025
- Retirement Mortgage Hanley Mortgages for 2025
- Equity Loan Bradford & Bingley Plc for 2025
- RIO Lendinvest for 2025
- Pensioner Mortgage Spray Foam Insulation in 2025
- RIO Tyne & Wear Newcastle for 2025
- Equity Loan Daily Telegraph in 2025
- RIO Landbay for 2025
- Refinance Intelligent Finance in 2025
- Equity Loan Coventry Building Society for 2025
- Pensioner Mortgage The Mortgage Lender Limited for 2025
- Interest Only Mortgage Habito for 2025
- Interest Only Mortgage Investec Bank in 2025
- RIO Merseyside Liverpool for 2025
- Remortgage Bad Credit Keystone Property Finance UK
- Bad Credit Mortgages Onesavings Bank in 2025
- Refinance Prefabricated Concrete Houses for 2025
- Pensioner Mortgage Age 54 UK
- Retirement Mortgage Category C S Listing Scotland Listed in 2025
- Age 50
- Home Equity Loan Sheltered Accommodation UK
- Interest Only Mortgage NatWest UK
- Refinance Fleet Mortgages in 2025
- Remortgage Bad Credit Jpmorgan Chase Bank for 2025
- Remortgage Bad Credit Mansfield Building Society Interest Rates for 2025
- Pensioner Mortgage Teachers Building Society UK
- Refinance Housing Association Or Social Housing UK
- Retirement Apartment
- Home Equity Loan Aldermore Bank in 2025
- Refinance Properties Flooded In The Past Five Years in 2025
- Home Equity Loan No Broker Fee in 2025
- Equity Loan Magellan Homeloans for 2025
- Interest Only Mortgage Studio Flats Under Over 30Sq M UK
- Home Equity Loan Legal And General in 2025
- Remortgage Masthaven Bank UK
- Home Equity Loan Pensioners Over 65 for 2025
- Retirement Mortgage Equity Release Over 55 for 2025
- RIO Hanley Economic Building Society UK
- Home Equity Loan Nedbank Private Wealth UK
- Home Equity Loan Metro Bank in 2025
- RIO Stonehaven for 2025
- Remortgage Vida Homeloans UK
- Home Equity Loan Age 45 for 2025
- Remortgage Scottish Building Society in 2025
- Home Equity Loan Virgin Money UK
- Equity Loan Lloyds Bank UK
- RIO West Yorkshire Leeds Bradford in 2025
- Retirement Mortgage Properties High Risk To Subsidence Or Movement UK
- Refinance Earl Shilton Building Society for 2025
- Remortgage M&S Bank UK
- Interest Only Mortgage Virgin Money UK
- First Direct
- Interest Only Lifetime Mortgages External Walls Built Entirely Of Single Skin Brickwork for 2025
- Refinance Under 40 for 2025
- Remortgage Bad Credit Refinancing for 2025
- Refinance Ecology Building Society in 2025
- Remortgage Restrictive Covenant Overage Clawback Option Pre Emption in 2025
- Pensioner Mortgage Reinforced Mesh K Lath Construction UK
- Home Equity Loan Properties Held In Trust UK
- Interest Only Lifetime Mortgages State Bank Of India UK in 2025
- Refinance Freehold Held By Local Authority UK
- RIO Dudley Building Society UK
- Home Equity Loan Kent Reliance UK
- Remortgage Bad Credit Newcastle Building Society in 2025
- Refinance Saffron Bs UK
- Canada Life Equity Release
- Hodge Lifetime Flexible Drawdown Plan
- Just Retirement Interest Only Lifetime Mortgage
- TSB Lifetime Interest Only Mortgage
- NatWest Equity Release Plans
- More to Life Tailored Choice Plan
- Bridgewater Equity Release Plans
- Canada Life Second Home Voluntary Select Plan
- Liverpool Victoria LV Equity Release Schemes
- HSBC Equity Release Schemes
- NatWest Equity Release Schemes
- Saga Equity Release Schemes
- Aviva Lifetime Mortgage
- Hodge Lifetime Flexible Drawdown Plan
- Just Retirement Equity Release Plans
- NatWest Equity Release Schemes
- HSBC Equity Release Schemes
- NatWest Interest Only Lifetime Mortgage
- Royal Bank of Scotland Interest Only Lifetime Mortgage

