
- No monthly repayments
- Help a family member buy a home they couldn’t afford otherwise.
- Restrictive Covenant Overage Clawback Option Pre Emption
- Still have a few more mortgage payments to make? No problems
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 age? Please Click Here





Successful business owners who could benefit from Home Reversion Scheme tax planning
- Finishing of textiles Shaftesbury
- Liquid milk and cream production Haslemere
- Manufacture of soft furnishings Houghton Regis
- Film processing Bude-Stratton
- Manufacture of computers and peripheral equipment Shoreham-by-Sea
- Gambling and betting activities Newlyn
- Mixed farming Glossop
- Logging Hawkinge
- Quantity surveying activities Southend-on-Sea
- Inland freight water transport Bideford
- Manufacture of other non-distilled fermented beverages Faversham
- Manufacture of basic iron and steel and ferro-alloys Wallasey
- Mining of lignite Fairford
- Manufacture of electrical and electronic equipment for motor vehicles and their engines Scarborough
- Data processing, hosting and related activities Tavistock
- Operation of warehousing and storage facilities for air transport activities Beaminster
- Activities of households as employers of domestic personnel Stony Stratford
- Retail sale by opticians Staveley
- Repair of footwear and leather goods Gillingham
- manufacture of canvas goods, sacks, etc. Fordwich
- Manufacture of prepared feeds for farm animals Staines-upon-Thames
Towns of the UK where Lifetime Mortgages are common
- Alsager
- South Shields
- Woburn
- Southsea
- Spalding
- Battle
- Stockton-on-Tees
- Swindon
- Nantwich
- Whitchurch
- Northampton
- Market Harborough
- Hounslow
- Westbury
- Tring
- Remortgage Cambridge Building Society UK
- Interest Only Lifetime Mortgages Pepper Money UK
- Refinance Earl Shilton Building Society for 2025
- Equity Loan Darlington Building Society UK
- Interest Only Mortgage Annexe Homes UK
- Interest Only Lifetime Mortgages Habito for 2025
- Interest Only Lifetime Mortgages South Yorkshire Sheffield for 2025
- Equity Loan Just for 2025
- Home Equity Loan Freehold Held By Local Authority UK
- Bad Credit Mortgages Yorkshire Bank UK
- Refinance Harpenden Building Society in 2025
- Pensioner Mortgage Roll-Up UK
- RIO Bath Building Society for 2025
- Interest Only Lifetime Mortgages Refinance for 2025
- Refinance Kent Reliance UK
- RIO Ge Money Home Lending Ltd for 2025
- RIO Agricultural Land Mortgage UK UK
- Refinance Nedbank Private Wealth for 2025
- Interest Only Mortgage Bristol UK
- Equity Loan Bank Of Ireland Mortgages UK
- Remortgage Bad Credit Molo Finance UK
- Equity Loan Age Restricted Properties in 2025
- Refinance More To Life UK
- Remortgage Bad Credit Lendinvest UK
- Refinance Reinforced Mesh K Lath Construction for 2025
- Interest Only Lifetime Mortgages Hanley Economic Building Society for 2025
- Bad Credit Mortgages Age 46 UK
- Refinance Greater Manchester for 2025
- Home Equity Loan Capital Home Loans in 2025
- Pensioner Mortgage Merseyside Liverpool for 2025
- Refinance Keystone Property Finance for 2025
- Remortgage Bad Credit Restrictive Covenant Overage Clawback Option Pre Emption UK
- Equity Loan Clay Lump Construction House in 2025
- Refinance Flats Within A Block Of 4-5 Storeys Or More No Lift for 2025
- Remortgage Bad Credit Investec Bank for 2025
- Pensioner Mortgage Corrugated Iron Roofs Property-Iron UK
- RIO Stafford Railway in 2025
- Retirement Mortgage Pre-Fabricated Properties in 2025
- Home Equity Loan For Self-Build UK
- Interest Only Lifetime Mortgages For Tenants In Common for 2025
- Swansea Building Society
- Pensioner Mortgage Wimpey No Fines Construction in 2025
- Retirement Mortgage Ahli United Bank UK
- Refinance Pure Retirement UK
- Remortgage Which for 2025
- Remortgage Bad Credit Reliance Bank in 2025
- Pensioner Mortgage For Retirement Properties for 2025
- Pensioner Mortgage Properties With Large Concrete Panel Construction for 2025
- Refinance Bank Of Ireland in 2025
- Interest Only Lifetime Mortgages Age 50 in 2025
- Equity Loan Cob Construction House in 2025
- Remortgage Bad Credit Age 49 in 2025
- Pensioner Mortgage Loughborough Society for 2025
- Refinance Prefabricated Concrete Houses for 2025
- Retirement Mortgage Leeds Building Society for 2025
- Refinance Coventry Building Society for 2025
- Equity Loan Asbestos Sheet in 2025
- Pensioner Mortgage Vernon UK
- Remortgage Sunderland for 2025
- Refinance Properties Valued At Less Than £100000 in 2025
- Bad Credit Mortgages Mortgage Express UK
- RIO M&S Bank for 2025
- Interest Only Lifetime Mortgages The Mortgage Works in 2025
- Remortgage Bad Credit No Credit Check UK
- Equity Loan Chelsea Building Society in 2025
- Refinance Property Is Grade 1 Listed for 2025
- Interest Only Mortgage Kensington Mortgage Company for 2025
- Refinance Shared Ownership Or Council Shared Equity for 2025
Hard-to-finance home types include homes requiring essential repairs, properties where tenants live in a self-contained part of the property, right–to–buy properties in England, Wales, and Northern Ireland, commonhold properties, and properties with single-skin brickwork.
Popular retirement mortgage products include TSB equity release schemes, Barclays later life mortgages, Halifax interest-only mortgages for over 65-year-olds, Legal and General lifetime mortgages, and Nationwide Building Society interest-only mortgages for people over 60.
Difficult-to-finance property types include properties with post-1945 asbestos or similar composition roof tiles, properties with externally applied insulation to the walls after construction, properties with a minimum floor area of 30 square metres, privately developed flats in blocks of two storeys without a lift, and basement or lower ground floor flats with level access to private or communal garden space.
Some of the most popular loan-to-value percentages for Lloyds Bank later life interest-only mortgages over 75, Barclays Bank lifetime mortgages for people over 55, Halifax retirement interest-only mortgages over 60, Legal and General retirement interest-only mortgages over 60, RBS pensioner mortgages over 60, and Nationwide Building Society mortgages for 60-year-olds are 50%, 54.22%, and 70%.
Challenging to mortgage home titles include properties built or converted into dwellings within the last ten years, properties with grounds over five acres, 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 that have a private water supply provided a contract is in place with an approved maintenance company for regular testing and maintenance.
Tough-to-finance property variants can 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, some properties with sitting tenants or regulated tenancies, asbestos construction and properties that have never been registered with the land registry.
How much cash can I borrow?
You can borrow 64.22% of your property’s value. For example, if your house is worth £360,000, you can release £234,000.
Hodge Lifetime Lifetime Mortgages
Pensioner Mortgage Restrictive Covenant Overage Clawback Option Pre Emption
One Family Drawdown Lifetime Mortgages
Legal and General Equity Release
The mortgage lender will want to know if the property is a semi-detached freehold house or a Leasehold flat and if the resident is an Assured shorthold tenant.

UK Lenders for Equity Release
- Aviva
- One Family
- More2Life



Interest Only Lifetime Mortgages Restrictive Covenant Overage Clawback Option Pre Emption













- Aviva Lifestyle Flexible Option
- Hodge Lifetime Flexible Drawdown Plan
- Pure Retirement Equity Release Plans
- HSBC Equity Release Schemes
- More2Life Flexi Choice Voluntary Payment Super Lite
- Pure Retirement Classic Voluntary Payment Super Lite
- More 2 Life Capital Choice Plan
- NatWest Lifetime Mortgage
- More2Life Capital Choice Plan
- Bridgewater Lifetime Mortgage
- L&G Legal & General Premier Flexible Lifetime Mortgage
- Pure Retirement Equity Release Schemes
- Stonehaven Interest Only Lifetime Mortgage
- Nationwide Equity Release
- NatWest Equity Release Schemes
- Canada Life Landlord Voluntary Select Plan
- TSB Equity Release



Drawbacks of Equity Release Plans
Monthly payment equity release can reduce your family’s inheritance. Lump sum lifetime mortgages may impact your ability to claim benefits. You may need to pay an advisor’s fee, and with some schemes, you could have higher rates to pay.
What percentage can be released?
The more elderly you are and the unhealthier you are, the more cash you can release.





People often look for interest-only lifetime mortgages, monthly payment lifetime mortgages, or home reversion plans. However, Legal and General, like The Exeter Equity Release, are keen to see proof of your situation through bank statements.
What percentage can be released?
- 60% monthly payment life time mortgage Fortify Insurance Solutions
- 50% loan to value home reversion plans Norton Finance
- 60% loan to value lifetime mortgage with flexible drawdown cash release Key Retirement