Lifetime Mortgage Refinancing

Retirement Mortgage Refinancing
  • Remove tax free money from your home
  • You don’t need to make regular monthly payments
  • Help your family to buy a home
  • Are you still paying a mortgage? We can help with that
  • Can be used to manage inheritance tax bills
  • Mortgage lender not affected by covid19-corona virus crisis

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

  • Free No Obligation Quote

  • Please enter a number from 6000 to 2000000.
  • About You

Not interested in equity release? Do you just want a conventional interest only mortgage at 3.97% regardless of your age please Click Here

Over 65
pensioner mortgage
  • Free No Obligation Quote

  • Please enter a number from 10000 to 2000000.
  • About You

reverse mortgage
reverse mortgage
Over 55

Equity Release UK Lenders

  • Sunlife Plans
  • LV equity release
  • Age Partnership
  • One Family

Towns where equity release is popular

  • Pershore
  • Ampthill
  • Tottenham
  • Yate
  • Hastings
  • Rowley Regis
  • Leyton
  • Shefford
  • Dulverton
  • Bulwell
  • Hemsworth

Equity Release LTV

  • 60% monthly payment lifetime mortgage VitalityLife Equity Release
  • 35% loan to value (LTV) lumpsum lifetime mortgages One Family
  • 25% loan to value (LTV) lifetime mortgage with flexible drawdown cash release Shawbrook
  • 30% loan to value monthly payment lifetime mortgage Tipton and Coseley

More2Life Lifetime Mortgages

Aviva Equity Release

Legal and General Drawdown Lifetime Mortgages

One Family Lifetime Mortgages


More2Life - Flexi Choice Super Lite
Pure Retirement - Classic Super Lite

Pensioner Mortgage Refinancing

Legal & General Home Finance lifetime mortgage
Just lifetime mortgage
Aviva lifetime mortgage
Legal & General Home Finance lifetime mortgage

Interest Only Lifetime Mortgages Refinancing

Pure Retirement Ltd lifetime mortgage
Aviva - Lifestyle Flexible Option

Disadvantages of Lifetime Mortgages

Interest-only lifetime mortgages can reduce your estate value. Lumpsum lifetime mortgages may impact entitlements to state benefits. You may need to pay a solicitor’s fee and some products expose you to changes in interest rates.

Successful business owners who could benefit from equity release estate planning

  • Public houses and bars Droitwich Spa
  • Manufacture of oils and fats St Columb Major
  • Other passenger land transport Appleby-in-Westmorland
  • Other building and industrial cleaning activities Marlborough
  • Activities of religious organizations Verwood
  • Processing and preserving of meat Stockport
  • Manufacture of soft furnishings Sandbach
  • Agents specialized in the sale of other particular products Dalton Town with Newton
  • Youth hostels Driffield
  • Retail sale by opticians Horncastle
  • Construction of water projects Eastwood
  • Agents involved in the sale of fuels, ores, metals and industrial chemicals Berwick-upon-Tweed
  • Financial intermediation not elsewhere classified Oswestry
  • Repair of electronic and optical equipment Shaftesbury
  • Manufacture of workwear Sleaford
  • Hunting, trapping and related service activities Ramsey
  • Activities of unit trusts Bradninch
  • Business and domestic software development Bexley
  • Educational support services Newent
  • Manufacture of concrete products for construction purposes Halstead
  • Collection of non-hazardous waste Sedgefield
  • Distribution of electricity Belper
  • Activities of extraterritorial organizations and bodies Clay Cross
  • Manufacture of compressors Buxton
  • Manufacture of other builders’ carpentry and joinery Epping
  • Residential care activities for learning difficulties, mental health and substance abuse Penwortham
  • Other engineering activities St Just-in-Penwith
Equity Loan No Broker Fee UK

The 1st and 2nd charge lender will want to know if the property is a Semi detached freehold house or a Leasehold house and if the resident is an Assured shorthold tenancy tenant.

Pensioner Mortgage Reliance Bank in 2024

Equity Release percentages of your current property value

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

It’s often found to find people searching for home reversion schemes, monthly payment life time mortgage or home reversion plans, however, Just Retirement like LV Liverpool Victoria are keen to see paperwork to show your situation in the form of pension statements.

  • Canada Life Prestige Flexi Option
  • Hodge Lifetime Mortgage Plus
  • Just Retirement Equity Release
  • TSB Lifetime Mortgage
  • Royal Bank of Scotland Lifetime Mortgage
  • Aviva Lifetime Mortgage
  • More2Life Flexi Choice Drawdown Lite Plan
  • Hodge Lifetime Flexible Drawdown Plan
  • Liverpool Victoria LV Equity Release Plans
  • Canada Life Landlord Voluntary Select Plan
  • Hodge Indexed Lifetime Mortgage
  • More to Life Capital Choice Plus Plan
  • NatWest Equity Release
  • Aviva Lifetime Mortgages for Pensioners
  • Canada Life Lifetime Mortgage
  • More to Life Capital Choice Plan
  • Pure Retirement Drawdown Plan
  • Stonehaven Lifetime Mortgage
  • HSBC Equity Release Schemes
  • TSB Lifetime Mortgage
  • NatWest Lifetime Mortgage
  • Saga home reversion plan

Difficult to finance home types can include poorly maintained at the time of the valuation inspection, properties where multiple third parties are living in an annexe, leasehold properties (England, Wales, Northern Ireland) subject to a lease length of 160 years, commonhold properties and properties with leased solar panels.

Popular retirement finance offerings are TSB mortgages for 60 plus, HSBC lifetime mortgages, Halifax later life mortgages, Legal and General pensioner mortgages and Nationwide BS retirement interest only mortgages.

Difficult to mortgage property types can include timber framed properties built before 1920, properties with any externally applied insulation to the walls after construction, large concrete panel systems, freehold/feuhold flats (Scotland only) and flats above or adjacent to commercial premises.

Common LTV ratios of Lloyds Bank lifetime mortgages for over 60s, Barclays mortgages for over 60s, Halifax help to buy for over 60s, Legal & General interest only lifetime mortgages for over 70s, RBS interest only mortgages for over 60s and Nationwide BS interest only lifetime mortgages for people over 60 are 50%, 55% and 65%.

Challenging to mortgage home variants can include properties built or converted into dwellings within the last 10 years , properties with room(s) or outbuilding(s) used for a small amount of personal commercial use, properties with a small number of solar panels or a wind turbine on the land for domestic use, properties that have solar farms or a large number of wind turbines on the land and properties adversely affected by existing or proposed issues including roads, rail, airports, power plants, power lines/pylons, wind turbines, sub stations, sewage works, quarries, fuel stations, refuse sites, sports grounds, noise, light or environmental pollution.

Challenging to mortgage property variants include high service charges, properties without a kitchen or bathroom, properties of non-standard construction, cob property and properties that has never been registered with the land registry.

How much cash can I release?

You can achieve 70% of your property’s valuation. For example, if your house is worth £310,000 you can borrow £201,000.