Lifetime Mortgage Restrictive Covenant Overage Clawback Option Pre Emption – 4.9% APR

Retirement Mortgage Restrictive Covenant Overage Clawback Option Pre Emption

  • 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

  • Free No Obligation Quote

  • Please enter a number from 6000 to 2000000.
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Not interested in equity release? Do you want a conventional interest-only mortgage at 3.97%, regardless of age? Please Click Here

Over 65
Over 55


  • Free No Obligation Quote

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

Over 55
retirement mortgage


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

 

Aviva Mortgages

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
More2Life - Flexi Choice Lite

Canada Life Home Finance lifetime mortgage for properties in Scotland

More2Life - Tailored Choice Plan

Interest Only Lifetime Mortgages Restrictive Covenant Overage Clawback Option Pre Emption

Pure Retirement Ltd lifetime mortgage

LV= lifetime mortgage

Equity Loan Pitched Roofs Of Asbestoscement Tiles in 2025


  • 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.

Retirement Mortgage Saga in 2025



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