
- Release tax-free cash from your home
- No regular monthly payments
- Use the money to keep another family member away from a high loan-to-value mortgage.
- Prefabricated properties are OK.
- 4.71%
If you don’t want a lifetime mortgage or equity release and want a typical 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







- Home Equity Loan Studio Flats Under Over 30Sq M for 2025
- Home Equity Loan Properties Above Commercial Premises UK
- Retirement Mortgage For Self Build for 2025
- Remortgage Bad Credit Newcastle Building Society in 2025
- Refinance Precast Reinforced Concrete Prc Properties for 2025
- Remortgage Bad Credit South Yorkshire Sheffield for 2025
- Mortgage Express
- Remortgage State Bank Of India Uk for 2025
- Pensioner Mortgage Refinance in 2025
- RIO Sheltered Accommodation UK
- Equity Loan Property Built On Or Near To Contaminated Site for 2025
- RIO Pre-Fabricated Properties for 2025
- Equity Loan Property With Solar Farms Wind Turbines Mobile Masts in 2025
- Home Equity Loan Handelsbanken UK
- Pensioner Mortgage Saffron Bs in 2025
- Retirement Mortgage Marsden Bs for 2025
- Refinance Age 54 for 2025
- Interest Only Lifetime Mortgages Properties More Than Five Acres Of Land for 2025
- Pensioner Mortgage Godiva Mortgages Ltd UK
- RIO Tyne & Wear Newcastle for 2025
- Equity Loan Precise Mortgages in 2025
- Equity Loan Asbestos Sheet in 2025
- Bluestone Mortgages
- Equity Loan Crofted Houses in 2025
- Refinance Cambridge Building Society for 2025
- RIO Properties With A Steel Frame Bisf UK
- Bad Credit Mortgages Ecology Building Society for 2025
- Home Equity Loan Age 53 in 2025
- RIO Under 45 UK
- RIO Manchester Building Society for 2025
- RIO Ipswich Building Society Mortgages UK
- Remortgage Bad Credit Post Office in 2025
- Remortgage Skipton Building Society UK
- RIO Ulster Bank UK
- Properties With Large Concrete Panel Construction
- Equity Loan Age 46 in 2025
- Home Equity Loan Beverley Building Society in 2025
- Refinance Laing Easiform Homes in 2025
- Remortgage Bad Credit Age 40 for 2025
- RIO Chelsea Building Society UK
- RIO Age 42 for 2025
- Equity Loan Age Restricted Properties in 2025
- Remortgage Bad Credit Properties Purchased Through A Right To Buy Scheme UK
- Bad Credit Mortgages Cynergy Bank in 2025
- RIO Itl Mortgages in 2025
- Retirement Mortgage Prefabricated Concrete Houses for 2025
- Home Equity Loan Shared Ownership Or Council Shared Equity in 2025
- RIO Iva in 2025
- Home Equity Loan Bristol for 2025
- Bad Credit Mortgages Remote Rural And Agricultural Properties UK
- Interest Only Mortgage Melton Mowbray for 2025
- Refinance Earl Shilton Building Society for 2025
- Home Equity Loan Metro Bank in 2025
- Pensioner Mortgage Pitched Roofs Of Asbestoscement Tiles UK
- Bad Credit Mortgages Retirement Advantage in 2025
- Pensioner Mortgage Annexe Homes in 2025
- Interest Only Mortgage Tipton And Coseley Building Society UK
- Home Equity Loan Liverpool Victoria in 2025
- Refinance Teachers Building Society in 2025
- Equity Loan Bad Credit for 2025
- Remortgage Bad Credit Spray Foam Insulation for 2025
- Pensioner Mortgage Ahli United Bank for 2025
- Equity Loan Greater Manchester for 2025
- Interest Only Lifetime Mortgages Wimpey No Fines Construction UK
- Spary Foam
- Home Equity Loan Mansfield Bs in 2025
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-occupied primary residence.
Retired small business owners who may be interested in lifetime mortgages
- Operation of sports facilities Alsager
- Renting and leasing of office machinery and equipment including computers Wivenhoe
- Manufacture of other tanks, reservoirs and containers of metal Long Sutton
- Licensed carriers Ossett
- Other service activities n e c Braunstone Town
- Production of meat and poultry meat products Southend-on-Sea
- Construction of domestic buildings Battle
- Activities of extraterritorial organizations and bodies Thatcham
- Private security activities Stainforth
- Manufacture of motor vehicles Burgh-le-Marsh
- Cold drawing of bars Blandford Forum
- Manufacture of batteries and accumulators Church Stretton
- Butter and cheese production Lydney
- Wholesale of china and glassware and cleaning materials Rawtenstall
- Furnace and chimney cleaning services Highbridge
- Manufacture of other technical ceramic products Pickering
- Repair of consumer electronics Bury
- Wholesale of sugar and chocolate and sugar confectionery Andover
- Publishing of computer games Southport
- Wholesale of watches and jewellery Wirksworth
- Printing n e c Northam
- Manufacture of industrial gases Bournemouth

Equity Release LTV Percentages
- 60% home reversion plans Aegon
- 34.22% loan to value (LTV) home reversion schemes Liverpool Victoria
- 44.22% loan to value (LTV) lumpsum lifetime mortgages Shawbrook
- 30% LTV monthly payment life time mortgage Prestige
- 40% loan to value lifetime mortgage with flexible drawdown cash release Saga
- 24.22% loan to value home reversion schemes Equifinance
It’s very regular to encounter people seeking out lump sum lifetime mortgages, lumpsum lifetime mortgages or home reversion schemes, however, Just Retirement like Old Mutual Wealth are keen to see paperwork to show your personal situation in the form of bank statements.





Pensioner Mortgage Repayment Option





Interest Only Lifetime Mortgages Repayment Option

Areas where equity release is common
- Faringdon
- St Neots
- Paignton
- Axminster
- Longridge
- Charlbury
- Kidderminster
- Uxbridge
- Lowestoft
- Twickenham
- Okehampton
- Brixham
- Redenhall with Harleston
- Hertford
- Watchet
- Fleet
- New Alresford
- Wellington
- Somerton
- Leighton-Linslade
- Meltham
Hodge Lifetime Drawdown Lifetime Mortgages
LV Drawdown Lifetime Mortgages
Equity Release LTV
The more aged you are and the unhealthier you are, the more tax-free money you can release.
Disadvantages of Home Reversion Plans
Lump sum lifetime mortgages can reduce the value of your estate. Interest-only lifetime mortgages may impact the ability to claim benefits. You may need to pay a solicitor’s fee, and some products may expose you to changes in interest rates.













- Just retirement defined benefit
- L&G Legal & General Flexible Max Scheme
- More to Life Flexi Choice Drawdown Lite Plan
- Royal Bank of Scotland Lifetime Mortgage
- Stonehaven Lifetime Mortgage
- TSB Lifetime Mortgage
- Aviva Lifetime Mortgages
- More2Life Flexi Choice Voluntary Payment Super Lite
- Bridgewater Equity Release Schemes
- L&G Legal & General Flexi Max Voluntary Repayment Plan
- Liverpool Victoria LV Equity Release
- Stonehaven Lifetime Mortgage
- HSBC Equity Release Schemes
- More to Life Capital Choice Plus Plan
- Bridgewater Equity Release Plans
- Age Partnership Equity Release




Providers for UK Equity Release
- Key Retirement
- Liverpool Victoria
- Aviva
Hard-to-finance property variants can include properties where proposed building works have not yet commenced, age-restricted properties, freehold houses and bungalows (England, Wales, Northern Ireland), properties made up of multiple titles, and properties owned under any form of shared equity scheme.
Common pensioner mortgage products are TSB interest-only lifetime mortgages, Barclays help-to-buy mortgages for over-60s, NatWest mortgages for over-50s, L&G interest-only retirement mortgages for over 70s, and Nationwide BS mortgages for over 70s.
Difficult-to-finance property variants include eco houses and modern methods of construction, 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, privately developed flats in blocks of two storeys without a lift, and flats above or adjacent to commercial premises.
Popular loan to values of TSB mortgages over 70s, HSBC mortgages over 70s, Post Office equity release schemes for people over 70, L&G RIO mortgages over 75, RBS later life interest only mortgages over 75 and Nationwide BS later life mortgages for over 60s are 50%, 54.22% and 70%.
Tough to mortgage home variants include flats of less than 30 square metres in any location, properties converted from modern commercial premises, grades l and ll* Listed Buildings in England & Wales (Grades A and B in Scotland; A, B+ and B1 in Northern Ireland), properties with mobile phone masts which are not within influencing distance of the house 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.
Tough-to-mortgage home titles include properties that will be assessed for flood risk, properties with any kind of structural defect, damp, dry, or wet rot, derelict property or where part of the building is in severe disrepair and needs demolishing cob property, and concrete frame.
How much can I get?
You can release 64.22% of your home’s value. For example, if your house is valued at £180,000, you can get £117,000.