Retirement Mortgage Rooftop Mortgages

Release money from your house
No monthly payments
Help your family get a deposit for their own home
Still, have a mortgage? We can help with that
Stay living in your own house
All UK Postcodes are acceptable
Properties which are made up of multiple titles are acceptable

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
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*
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 3.97% 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*
Contact Phone Number:*
Your Email Address:*
First Line Of Your Address:*
Your Postcode:*

Towns where Lifetime Mortgages are popular

Cowes
Kettering
Middleham
Stalbridge
Atherstone
Maryport
North Petherton
Stanhope
Nelson
Hornsey
Brixham
Stowmarket
Goole
Silsden
Princes Risborough
Worksop
Stretford

Equity release is common among business owners like below

Activities of insurance agents and brokers Gosport
Manufacture of rubber tyres and tubes; retreading and rebuilding of rubber tyres Felixstowe
Manufacture of pulp Newlyn
Wholesale of radio, television goods & electrical household appliances other than records, tapes, CD’s & video tapes and the equipment used for playing them Medlar-with-Wesham
Wholesale of flowers and plants Featherstone
Wholesale of hardware, plumbing and heating equipment and supplies Skegness
Manufacture of brooms and brushes Spalding
Wholesale of china and glassware and cleaning materials Stainforth
Activities of venture and development capital companies Chilton
Repair and maintenance of other transport equipment n e c South Shields
Landscape service activities Ventnor
Freight transport by road Pickering
Wholesale trade of motor vehicle parts and accessories Pontefract
Manufacture of pesticides and other agrochemical products Shefford
Furnace and chimney cleaning services Stourbridge
Wireless telecommunications activities Clay Cross
Non-trading company Steyning
Raising of camels and camelids Kenilworth
Manufacture of tobacco products Swaffham
Manufacture of earthmoving equipment Mirfield
Sawmilling and planing of wood Faringdon
Physical well-being activities Lynton & Lynmouth
Driving school activities Southend-on-Sea
Wholesale of other office machinery and equipment Folkestone

Pensioner Mortgage Rooftop Mortgages

Interest Only Lifetime Mortgages Rooftop Mortgages

Aviva Equity Release Schemes
Liverpool Victoria LV Equity Release Plans
Pure Retirement Classic Voluntary Payment Super Lite
Nationwide Equity Release Plans
HSBC Lifetime Mortgage
Royal Bank of Scotland Lifetime Mortgage
Saga home reversion plan
More2Life Tailored Choice Plan
Liverpool Victoria LV= Lump Sum Plus Lifetime Mortgage
Royal Bank of Scotland Equity Release Plans
More2Life Flexi Choice Drawdown Lite Plan
Just retirement defined benefit
Pure Retirement Equity Release Plans
More to Life Capital Choice Plus Plan
NatWest Equity Release
More to Life Capital Choice Plan
TSB Equity Release Schemes
NatWest Interest Only Lifetime Mortgage

Pitfalls of Equity Release Plans

Interest-only lifetime mortgages can reduce the inheritance for your family. Monthly payment lifetime mortgage may impact ability to claim entitlements. You may need to pay an advisor’s fee and some products expose you to changes in interest rates.

Equity Release percentages of your current property value

The more elderly you are and the more serious your illnesses you are the more money you can release.

Pure Retirement Equity Release

Just Drawdown Lifetime Mortgages

One Family Lifetime Mortgages

Canada Life Lifetime Mortgages

Hodge Lifetime Retirement Mortgages

Just Drawdown Lifetime Mortgages

LV Equity Release

It’s common to find people searching for interest-only lifetime mortgages, monthly payment life time mortgage or lifetime mortgage with flexible drawdown cash release, however, Age Partnership like Maximum cover Equity Release are keen to see proof of your personal situation in the form of bank statements.

The lender will want to know if the property is a Freehold terraced house or a Leasehold house and if the resident is an AST Tenant.

Equity Release LTV Percentages

60% lump sum lifetime mortgages LV Liverpool Victoria
50% loan to value monthly payment life time mortgage Just Retirement
40% loan to value (LTV) monthly payment life time mortgage One Family
50% loan to value (LTV) monthly payment lifetime mortgage Sunlife Plans
60% LTV monthly payment equity release Together Money
40% LTV lumpsum lifetime mortgages Foundation Home Loans

Equity Release UK Providers

Aviva
Saga
Bower

Hard to mortgage home types can include poorly maintained at the time of the valuation inspection, properties where tenants live in a self-contained part of the property, feuhold/freehold properties (including flats) in Scotland, properties where the customer is offering only part of the title as security for the loan and properties with single skin brickwork .

Some of the most common pensioner mortgage products are TSB interest only mortgages for over 60s, Barclays Bank later life interest only mortgages, NatWest mortgages over 65, Legal and General lifetime mortgages and Nationwide Building Society mortgages over 70s.

Hard to finance home types can include properties with post 1945 asbestos or similar composition roof tiles , properties with single skin brickwork where the single skin comprises more than 20% of the surface area of the external walls, properties with minimum floor area of 30 square metres, privately developed flats in blocks of two storeys without a lift and flats above or adjacent to commercial premises.

Popular loan to values of Lloyds Bank later life interest only mortgages over 75, Barclays Bank later life interest only mortgages over 70, Halifax mortgages for over 60s, Legal & General interest only lifetime mortgages for over 70s, Bank of Scotland mortgages for over 65 and Nationwide mortgages for 60 plus are 50%, 55% and 65%.

Tough to finance home variants include properties built or converted into dwellings more than 10 years ago, properties with a large number/scale of outbuildings, grades l and ll* Listed Buildings in England & Wales (Grades A and B in Scotland; A, B+ and B1 in Northern Ireland), 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 titles include properties will be assessed for flood risk, properties without a kitchen or bathroom, properties where there are boundary disputes or where planning applications have not been applied for correctly, cob property and Airey, Boot, Cornish Unit, Dorran, Dyke, Gregory, Hamish Cross, Myton, Newland, Orlit and Parkinson Frame.

How much can I borrow?

You can borrow 65% of your home’s value. As an example, if your house is valued at £230,000 you can get £149,000.

Free No Obligation Quote

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