Remove tax-free money from your property with an Equity Release Refinance
You don’t need to make regular monthly payments
Help your family with the money you release
Do you still have a mortgage? We can help with that
Stay living in your own property for as long as you like
It could be used to help tax planning.

How much cash can I borrow?

You can achieve 65% of your property’s value. For example, if your home is worth £270,000 you can borrow £162,000.

If you don’t want a lifetime mortgage or equity release and just want an ordinary interest-only mortgage at 4.78%, 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*
Day
Month
Year
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 4.78% 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*
Day
Month
Year
Contact Phone Number:*
Your Email Address:*
First Line Of Your Address:*
Your Postcode:*

Pensioner Mortgage Refinance

Pitfalls of Home Reversion Schemes

Home reversion plans can reduce the value of your estate. A lifetime mortgage with a flexible drawdown cash release may impact the ability to claim entitlements. You may need to pay a solicitor’s fee, and some products expose you to changes in interest rates.

RIO Properties With Roofs Of Thatch Or Timber Shingle for 2026

Interest Only Mortgage Freehold Held By Local Authority for 2026

Interest Only Lifetime Mortgages Skipton Building Society for 2026

Difficult-to-mortgage home types include properties in the course of construction or pre-construction, properties where multiple third parties are living in an annexe, feuhold/freehold properties (including flats) in Scotland, properties where the customer is offering only part of the title as security for the loan and freehold flats (England, Wales, Northern Ireland).

Some of the most popular retirement finance offerings are TSB mortgages for people over 50, Barclays Bank later-life borrowing schemes, Post Office pensioner mortgages, L&G mortgages for people 60 plus and Nationwide lifetime mortgages.

Difficult-to-finance property variants include prefabricated reinforced concrete (PRC), properties with spray foam insulation applied to the underside of the roof, steel frame/clad properties built before 1990, privately developed flats in blocks of five storeys or more, and flats above or adjacent to commercial premises.

The typical LTV percentages of Lloyds Bank mortgages over 65, Barclays interest-only lifetime mortgages for those over 60, Post Office help-to-buy for those over 60, L&G retirement interest-only mortgages over 75, RBS help-to-buy for those over 60, and Nationwide over 60 lifetime mortgages are 4.78%, 60%, and 65%.

Tough-to-mortgage home titles can include properties with outbuildings used for everyday domestic purposes (garage, workshop, stables, barn etc), properties with flying or creeping freehold, which comprises 14.08% or less of the total floor area, properties with a small number of solar panels or a wind turbine on the land for domestic use, 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.

Tough-to-mortgage home variants include properties with legal agreements such as Overage, Clawback, Option, Pre-emption, or any onerous Restrictive Covenant, high service charges – properties where the Service Charge per annum at the time of application is more than 2% of the property value, property is uninhabitable, thatched buildings and missing planning permission or building regulations approval.

Loan to value for equity release?

You can get 60% of your property’s valuation. For example, if your house is valued at £220,000, you can get £154,000.

Examples of small business owners with home equity to release

Retail sale of sports goods, fishing gear, camping goods, boats and bicycles Ashford
Construction of railways and underground railways Epsom and Ewell
Residential care activities for the elderly and disabled Crewkerne
Manufacture of assembled parquet floors Downham Market
Other residential care activities n e c Skelmersdale
Cold forming or folding Wotton-under-Edge
Manufacture of other special-purpose machinery n e c St Austell
Financial intermediation not elsewhere classified Walton-on-Thames
Wholesale of machinery for the textile industry and of sewing and knitting machines Newton-le-Willows
Repair and maintenance of aircraft and spacecraft Bishops Castle
Manufacture of fertilizers and nitrogen compounds Pershore
Removal services Topsham
Glazing Oldbury
Manufacture and processing of other glass, including technical glassware Pateley Bridge
Wholesale of radio, television goods & electrical household appliances other than records, tapes, CD’s & video tapes and the equipment used for playing them Henley-on-Thames
Activities of patent and copyright agents; other legal activities n e c Braunstone Town
Retail sale of hardware, paints and glass in specialised stores in Dunwich
Security systems service activities Belper
Regulation of and contribution to more efficient operation of businesses Penwortham
Artistic creation Willenhall
Dismantling of wrecks Market Rasen
Data processing, hosting and related activities Canvey Island
Agents involved in the sale of food, beverages and tobacco Filey
Satellite telecommunications activities Blackrod
Forging, pressing, stamping and roll-forming of metal; powder metallurgy Heanor and Loscoe
Installation of industrial machinery and equipment Paddock Wood
Manufacture of men’s underwear Corbridge

More 2 Life Flexi Choice Drawdown Lite Plan
Canada Life Landlord Voluntary Select Plan
Hodge Lifetime Flexible Drawdown Plan
Just Retirement Equity Release Plans
Stonehaven Equity Release
Saga home reversion schemes
Canada Life Lifestyle Lite Flexi
Liverpool Victoria LV= Lump Sum Plus Lifetime Mortgage
TSB Lifetime Mortgage
Aviva Equity Release Schemes
Just Retirement Equity Release
L&G Legal & General Flexible Max Plus
Liverpool Victoria LV Equity Release
More 2 Life Capital Choice Plus Plan
Lloyds Bank Equity Release Schemes
L&G Legal & General Flexible Plus Lifetime Mortgage
Liverpool Victoria LV Equity Release Schemes
Pure Retirement Equity Release Plans
Royal Bank of Scotland Equity Release Plans
Saga Lifetime Mortgage
Age Partnership Equity Release Plans

How much is it common to release from a home even with bad credit

The older you are and the sicker you are, the more money you can release.

Bad Credit Mortgages Equity Release No Personal Details UK

Remortgage Bad Credit More To Life for 2026

Home Equity Loan Flats And Maisonettes In Blocks Of More Than 10 Storeys in 2026

Interest Only Lifetime Mortgages Dudley Building Society UK

Home Equity Loan Equity Release Over 55 for 2026

Retirement Mortgage Newcastle Building Society in 2026

The lender will want to know if the property is a Semi detached freehold house or a Leasehold flat and if the resident is an Owner Occupier.

It’s often found to find individuals looking for interest-only lifetime mortgages, monthly payment lifetime mortgage or home reversion plans, however, Aviva like Old Mutual Wealth are keen to see proof of your circumstances in the form of pension statements.