
- No need to make regular monthly payments
- Use the cash to pay off loans and credit cards
- Still have a mortgage? No problems
- Continue to stay in your house for as long as you like
- 4.48%
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



Examples of retired business owners likely to have equity to release
- Raising of poultry Hitchin
- Manufacture of locks and hinges Maryport
- Manufacture of wooden containers Solihull
- Agents involved in the sale of textiles, clothing, fur, footwear and leather goods Kirkbymoorside
- Casting of other non-ferrous metals Ilfracombe
- Primary education Wymondham
- Wholesale of pharmaceutical goods Southwold
- Manufacture of perfumes and toilet preparations Wokingham
- Manufacture of railway locomotives and rolling stock Godmanchester
- Mining of uranium and thorium ores New Mills
- Manufacture of other carpets and rugs Kirkby-in-Ashfield
- Manufacture of refractory products St Columb Major
- Other manufacturing n e c Shepshed
- Inland passenger water transport Coulsdon
- Manufacture of basic pharmaceutical products Coleshill
- Repair of personal and household goods n e c Stocksbridge
- Manufacture of prepared meals and dishes Prudhoe
- Museums activities Flitwick
- Activities of call centres Bedworth
- Manufacture of other non-distilled fermented beverages Thirsk
- Cold drawing of bars Fordwich
- Manufacture of knitted and crocheted hosiery Bolsover




Interest Only Lifetime Mortgages Property Built On Or Near To Contaminated Site

The first and second charge lenders will want to know if the property is Freehold or Leasehold and if the resident is a Private Tenant.
One Family Drawdown Lifetime Mortgages
Difficult to finance home variants can include poorly maintained during the valuation inspection, age-restricted properties, feuhold/freehold properties (including flats) in Scotland, commonhold properties and properties owned under any form of shared equity scheme.
Some of the most common pensioner mortgage products are Lloyds interest-only mortgages for over-60s near London, HSBC mortgages for 60 plus, Post Office pensioner mortgages, L&G over-60 lifetime mortgages, and Nationwide Building Society mortgages for 60-year-olds.
Difficult to mortgage home types include eco houses and modern methods of construction, properties with spray foam insulation applied to the underside of the roof, large concrete panel systems, privately developed flats in blocks of five storeys or more and freehold flats (England, Wales, Northern Ireland).
Some of the most popular loan-to-value ratios for Lloyds lifetime mortgages for people over 55, Barclays retirement interest-only mortgages over 60, Halifax mortgages for people 60 plus, L&G mortgages for people 60 plus, Bank of Scotland retirement mortgages over 60, and Nationwide BS mortgages over 65 are 44.22%, 54.22%, and 64.22%.
Challenging to finance property variants can include properties built or converted into dwellings more than 10 years ago, properties with flying or creeping freehold which comprises 14.22% or less of the total floor area, use of the land and any outbuildings for a small amount of personal commercial use., properties where there is a self-contained part of the property or annexe, i.e. basement flat etc. and properties where Japanese Knotweed is present.
Tough-to-finance property variants can include high service charges, properties with any kind of structural defect, damp, dry, or wet rot, properties with structural problems, thatched buildings, and concrete frames.
How much money can I release?
You can get 60% of your home’s value. As an example, if your house is worth £350,000 you can release £245,000.
Pensioner Mortgage Property Built On Or Near To Contaminated Site
Hodge Lifetime Lifetime Mortgages
Pure Retirement Retirement Mortgages
What percentage can be released?
The more elderly you are and the more illnesses you have you are, the more money you can release.
It’s usual to find people searching for monthly payment lifetime mortgages, interest-only lifetime mortgages, or other types of lifetime mortgages. However, Just Retirement, like Legal & General, is keen to see proof of your personal circumstances in the form of pension statements.
Drawbacks of Lifetime Mortgages
Home reversion plans can reduce the inheritance for your family. Monthly payment life time mortgage may impact entitlements to state benefits. You may need to pay a broker’s fee, and some products may expose you to changes in interest rates.
- Canada Life Landlord Voluntary Select Plan
- TSB Equity Release
- Bridgewater Equity Release Plans
- Just retirement defined benefit
- Aviva Lifetime Mortgages
- Pure Retirement Equity Release Plans
- Stonehaven Interest Only Lifetime Mortgage
- Nationwide Interest Only Lifetime Mortgage
- More to Life Capital Choice Plus Plan
- TSB Lifetime Interest Only Mortgage
- Royal Bank of Scotland Interest Only Lifetime Mortgage
- Saga Equity Release Plans
- Aviva Equity Release Plans
- Hodge Indexed Lifetime Mortgage
- Liverpool Victoria LV Equity Release Schemes
- More to Life Capital Choice Plus Plan
- Pure Retirement Drawdown Plan
- Saga Lifetime Mortgage

How much is it common to release from a home
- 60% home reversion schemes Fortify Insurance Solutions
- 54.22% loan to value interest-only lifetime mortgages Aviva
- 50% LTV lifetime mortgage with flexible drawdown cash release Equifinance
- 24.22% loan to value lumpsum lifetime mortgages Prestige
- 50% LTV monthly payment lifetime mortgage Bower

















Areas of the UK where equity release is routine
- Barnsley
- Darley Dale
- Burford
- Worksop
- Acle
- Redenhall with Harleston
- Southwold
- Burford
- Brightlingsea
- Hoddesdon
- Christchurch
- Mere
- Crewkerne
- Halewood
- Alston
- Remortgage Just in 2025
- Equity Loan Roll-Up UK
- Home Equity Loan Topaz Finance for 2025
- Mansfield Bs
- Refinance Saffron Bs UK
- Pensioner Mortgage Mortgage Agency Services in 2025
- Equity Loan Property With Solar Farms Wind Turbines Mobile Masts in 2025
- Home Equity Loan The Mortgage Lender Limited for 2025
- Remortgage Bad Credit Aldermore Bank UK
- Remortgage Bad Credit Daily Telegraph for 2025
- Pensioner Mortgage Intelligent Finance in 2025
- Home Equity Loan Repayment Option for 2025
- Refinance State Bank Of India UK for 2025
- Home Equity Loan Properties With Roofs Of Thatch Or Timber Shingle UK
- Refinance Paragon UK
- Remortgage No Advisor Fee for 2025
- Refinance Properties With A Steel Frame Bisf UK
- Remortgage Leeds Building Society in 2025
- Interest Only Mortgage Age 54 in 2025
- Interest Only Mortgage Properties With Large Concrete Panel Construction for 2025
- Equity Loan Marsden Bs in 2025
- Interest Only Mortgage Chelsea Building Society for 2025
- Pensioner Mortgage Hinckley And Rugby Building Society in 2025
- Remortgage Properties Built Entirely Of Timber Or Timber Frame for 2025
- RIO Beverley Building Society in 2025
- Remortgage Converted Flats Or Maisonettes UK
- Remortgage Bank Of Ireland Mortgages for 2025
- Pensioner Mortgage Onesavings Bank in 2025
- Home Equity Loan Spray Foam Insulation in 2025
- Equity Loan Family Building Society in 2025
- Refinance Leeds And Holbeck Building Society in 2025
- Equity Loan Royal Bank Of Scotland in 2025
- Pensioner Mortgage Melton Mowbray for 2025
- Home Equity Loan Non-Standard Construction for 2025
- Pensioner Mortgage For 50-Year-Olds for 2025
- Home Equity Loan Remote Rural And Agricultural Properties in 2025
- Interest Only Mortgage Rooftop Mortgages in 2025
- RIO Monmouthshire Building Society for 2025
- Home Equity Loan Agricultural Land Mortgage UK UK
- Refinance Saffron Building Society Mortgages for 2025
- Interest Only Mortgage Sheltered Accommodation in 2025
- Pensioner Mortgage More To Life for 2025
- Interest Only Lifetime Mortgages Precise Mortgages in 2025
- Bad Credit Mortgages Tyne & Wear Newcastle UK
- Pensioner Mortgage Properties Valued At Less Than £100000 UK
- Remortgage Bad Credit Pensioners Over 65 for 2025
- Remortgage Bad Credit Prefabricated Concrete Houses UK
- Refinance Nedbank Private Wealth for 2025
- Refinance Bank Of Ireland in 2025
- RIO Dudley Building Society UK
- RIO Properties Flooded In The Past Five Years for 2025
- Refinance Woolwich Further Advance UK
- RIO Parity Trust for 2025
- Pensioner Mortgage Age 48 in 2025
- Refinance Earl Shilton Building Society for 2025
- Properties Above Commercial Premises
- Equity Loan Age 51 in 2025
- Remortgage External Walls Built Entirely Of Single Skin Brickwork UK
- Interest Only Mortgage Landmark Mortgages in 2025
- Interest Only Mortgage Foundation Home Loans UK
- Retirement Mortgage Tsb Bank for 2025
- Refinance Remortgage for 2025
- Remortgage Bad Credit Spary Foam for 2025
- Refinance Sell House UK
- Pensioner Mortgage Danske Bank UK
- Refinance Aviva UK
- Remortgage Bad Credit Teachers Building Society in 2025
- Equity Loan Post Office for 2025
- Retirement Mortgage Bradford & Bingley Plc in 2025
- Interest Only Lifetime Mortgages No Credit Check in 2025
- Equity Loan Greater Manchester for 2025
- Refinance Chorley Building Society in 2025
- Bad Credit Mortgages Direct Lender UK
- Retirement Mortgage Age 46 UK


Equity Release Scheme Providers
- More2Life
- Crown
- Sunlife Plans
- Royal London Equity Release