Lifetime Mortgage Saga

Retirement Mortgage Saga
  • Release-tax free equity from your house
  • 4.22%
  • You don’t need to make regular monthly payments
  • Help a family member buy their own home with a smaller mortgage
  • Are you still paying a mortgage? That’s fine; we can help.
  • Often used as a vehicle to reduce tax bills.
  • All parts of the UK are acceptable, including Northern Ireland.

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.

  • About You

Not interested in equity release? Do you want a conventional interest-only mortgage at 3.97%, regardless of age? Please Click Here

retirement mortgages interest only
interest only mortgage rates

  • Free No Obligation Quote

  • Please enter a number from 10000 to 2000000.

  • About You

lifetime mortgage interest only rates
Over 55
lifetime mortgage
Home Equity Loan New Street Mortgages in 2025
Remortgage Atom Bank UK

Interest Only Lifetime Mortgages Saga

Pitfalls of Equity Release Plans

A monthly payment for a lifetime mortgage can reduce your estate value. A lifetime mortgage with a flexible drawdown cash release may impact the ability to claim benefits. You may need to pay a broker’s fee, and some products expose you to changes in interest rates.

The lender will want to know if the property is a Detached freehold house or a Leasehold house and if the resident is an Assured shorthold tenant.

Wealthy business owners who could benefit from equity release tax planning

  • Cold drawing of wire Dartford
  • Window cleaning services Hoddesdon
  • Operation of bus and coach passenger facilities at bus and coach stations in Woburn Sands
  • Retail of furniture, lighting, and similar not musical instruments or scores in specialised store Wivenhoe
  • Wholesale of other office machinery and equipment Wimborne Minster
  • Credit granting by non-deposit-taking finance houses and other specialist consumer credit grantors Newlyn
  • Life reinsurance Tidworth
  • Manufacture of cleaning and polishing preparations Heanor and Loscoe
  • Postal activities under universal service obligation Ferryhill
  • Manufacture of soft drinks; production of mineral waters and other bottled waters Wotton-under-Edge
  • Residential nursing care facilities in Thame
  • Repair of other equipment Ilkeston
  • Casting of other non-ferrous metals Whitnash
  • Tanning and dressing of leather; dressing and dyeing of fur Romford
  • Agents involved in the sale of machinery, industrial equipment, ships and aircraft Horsham
  • Manufacture of printing ink Frodsham
  • Information technology consultancy activities Bognor Regis
  • Buying and selling of own real estate in Dover
  • Manufacture of motor vehicles Bushey
  • Hospital activities Oswestry
  • Retail sale of leather goods in specialised stores Dawlish
  • Manufacture of ceramic insulators and insulating fittings Ongar
  • Manufacture of wooden containers Wirksworth

It’s very regular to encounter individuals looking for monthly payment lifetime mortgage, monthly payment lifetime mortgage or home reversion plans; however, Sunlife Plans like VitalityLife Equity Release are keen to see evidence of your situation in the form of bank statements.

How much is it common to release from a home

  • 54.22% monthly payment equity release Zurich
  • 30% loan to value monthly payment lifetime mortgage Yorkshire Bank
  • 60% loan to value monthly payment lifetime mortgage Sunlife Plans
  • 60% loan to value lump sum lifetime mortgages Together Money

Equity Release percentages of your current property value

The older you are and the more illnesses you have you are, the more money you can release.

Towns of the UK where equity release is routine

  • Longtown
  • Hemsworth
  • Barnes
  • Amersham
  • Exmouth
  • Immingham
  • Birkenhead
  • Hastings
  • Burgh-le-Marsh
  • Billericay
  • Redenhall with Harleston
  • Berkeley
  • Newport
  • Marlborough
  • Pudsey

Lenders for Equity Release

  • Legal and General
  • Prudential
  • Legal and General
  • More to Life
  • Maximum cover Equity Release
  • Aviva Lifetime Mortgages for Pensioners
  • Hodge Lifetime Flexible Drawdown Plan
  • Just Retirement Drawdown Lifetime Mortgage
  • Saga Lifetime Mortgage
  • L&G Legal & General Premier Flexible Lifetime Mortgage
  • Stonehaven Lifetime Mortgage
  • Nationwide Interest Only Lifetime Mortgage
  • NatWest Interest Only Lifetime Mortgage
  • Saga home reversion schemes
  • Hodge Lifetime Mortgage Plus
  • More 2 Life Capital Choice Plus Plan
  • Stonehaven Interest Select Plan
  • Saga Equity Release Plans
  • Age Partnership Equity Release Plans
  • Bridgewater Equity Release Plans
  • Canada Life Prestige Flexi Option
  • More to Life Capital Choice Plan
  • Lloyds Bank Lifetime Mortgage

Pensioner Mortgage Saga

Pure Retirement Ltd lifetime mortgage
More2Life - Capital Choice Plan
Legal & General - Flexible Pink

Does Saga do mortgages up to 85?

Yes, Saga do mortgages up to 85 at 2.06% MER. Saga mortgages up to 85 have a loan-to-value (ltv) of 70%.

Does Saga do later-life lending to those Under 55?

Yes, Saga later life lending Under 55 is 2.08% APRC.

Does Saga offer mortgages over 70?

Yes, Saga mortgages over 70 are 1.94% APR.

Does Saga do mortgages over 75?

Yes, Saga mortgages over 75 are 1.82% APR.

Does Saga do later life lending?

Yes, Saga’s later life lending is 2.04.22% APRC.

What are Saga rates for retirement mortgages?

Saga interest rates for retirement mortgages are 1.8% APR.

Does Saga have excellent reviews for pensioner mortgages?

Yes, Saga reviews are splendid for pensioner mortgages.

Does the Saga Rio mortgage calculator show the loan to value?

Yes, the Saga RIO mortgage calculator shows an excellent loan to value of 54.22%.

Does a Saga retirement interest only mortgage advisor charge a substantial fee?

No, Saga retirement interest-only mortgage advisors are free.

Does Saga do mortgages over 60?

Yes, Saga mortgages over 60 are 2.21% MER.

Does Saga do mortgages over 55?

Yes, Saga mortgages over 55 are 2.18% MER.

Legal & General - Flexible Yellow
Pure Retirement Ltd joint lifetime mortgage
Canada Life - Lifestyle Gold

Crown Retirement Mortgages

Hodge Lifetime Equity Release

Pure Retirement

More2Life Lifetime Mortgages

Hard-to-finance home variants include poorly maintained properties at the time of the valuation inspection, properties where ownership is set up on a tenancy in common basis, leasehold properties (England, Wales, Northern Ireland) subject to a lease length of 160 years, properties where the customer is offering only part of the title as security for the loan, and properties with owned solar panels.

Standard retirement finance offerings include Lloyds later life interest-only mortgages, Barclays later life mortgages, Post Office equity release plans, Legal and General interest-only lifetime mortgages, and Nationwide mortgages for those over the age of 60.

Hard-to-mortgage home types can include eco houses and modern construction methods, properties with spray foam insulation applied to the underside of the roof, properties constructed or converted within the past ten years, privately developed flats in blocks of five storeys or more, and basement or lower ground-floor flats with level access to private or communal garden space.

Popular loan-to-value percentages of Lloyds Bank RIO mortgages over 75, Barclays retirement mortgages over 65, Halifax mortgages over 65, Legal & General over 60 mortgages, Bank of Scotland RIO mortgages over 75 and Nationwide retirement mortgages over 60 are 50%, 60% and 70%.

Challenging to finance property variants can include grade ll Listed houses (grade C in Scotland and B2 in Northern Ireland), properties with flying or creeping freeholds comprising 14.22% or less of the total floor area, agricultural use of the land and any outbuildings, properties with flying or creeping freeholds comprising over 14.22% of the total floor area, and properties where Japanese Knotweed is present.

Tough-to-mortgage home titles can include rent charges for properties with a high estate rent charge, properties without a kitchen or bathroom, properties with structural problems, asbestos construction, and concrete panel houses.

How much cash can I release?

You can achieve 64.22% of your home’s value. For example, if your home is worth £220,000, you can get £154,000.

Today's Date: 18 April 2025

Published on: 12 June 2020

Last Updated on: 9 January 2025

Secured Loan And Equity Release Lenders

  1. 7.26% Corrugated Iron Roofs and Iron Secured Loans: Get 84.22% Financing
  2. 7.35% Properties Adjacent Commercial Premises Secured Loans
  3. 5.58% First Direct Secured Loans No Fees Free Valuation 84.22%
  4. 5.54.22% Swansea Building Society Secured Loans No Fees 90% LTV
  5. Newcastle Building Society Secured Loans No Fees
  6. Leeds BS Secured Loans – Get Free Valuation & No Fees
  7. 5.75% Yorkshire BS Secured Loans: No Fees, Free Valuation, 85% LTV
  8. 5.64.22% Fixed Atom Bank Secured Loans No Fees Free Valuation
  9. 7.34% Asbestos Sheet Secured Loans No Fees Free Valuation
  10. 7.44% Laing Easiform Homes Mortgages Secured Loans No Fees
  11. 7.44% Loft Conversion Secured Loans No Fees Free Valuation
  12. 5.75% The Mortgage Lender Secured Loans with No Fees, Even with Bad Credit
  13. 7.29% Property Made Up Of Multiple Titles Secured Loans 84.22%
  14. 5.72% Fixed Rate on Leeds Building Society Secured Loans – No Fees, 90% LTV
  15. 90% LTV with 7.4% Pre-Fabricated Properties Secured Loans
  16. 5.74% Secured Loans with Mansfield BS: No Fees, Free Valuation, and 84.22% LTV
  17. 5.72% Fixed Halifax Secured Loans – No Fees, Free Valuation, 90% LTV
  18. 7.21% Annexe Self Contained Granny Flats Secured Loans
  19. 5.57% Fixed Amber Home Secured Loans No Fees Free Valuation
  20. 5.73% Secured Loans from Manchester Building Society – No Fees, 84.22% LTV
  21. 5.52% Precise Mortgages Secured Loans No Fees Free Valuation
  22. 5.71% Nedbank Private Wealth Secured Loans No Fees 90% LTV
  23. 7.21% No Broker Fee Secured Loan with Free Valuation and No Fees – 90% LTV
  24. 2% Retirement Apartment Secured Loans: No Fees for Bad Credit
  25. 7.5% Asbestos Composition Roof Tiles Secured Loans No Fees
  26. 5.83% Legal And General Secured Loans – No Fees, Free Valuation
  27. 5.57% Royal Bank of Scotland Secured Loans No Fees 90% LTV
  28. 7.29% Ex Council Property Housing Association Secured Loans
  29. 7.29% Crofted Houses Secured Loans – No Fees, Free Valuation
  30. 5.68% Harpenden Building Society Secured Loans No Fees 90%
  31. 7.36% High Acceptance Secured Loans No Fees Free Valuation
  32. Black Horse Secured Loans: No Fees, Free Valuation
  33. 5.55% Clydesdale Bank Secured Loans No Fees Free Valuation
  34. 7.34% Properties Purchased Right To Buy Scheme Secured Loans
  35. 7.4.22% Second Homes Secured Loans No Fees Free Valuation 90%
  36. 7.38% Under 50 UK Property Secured Loans No Fees Bad Credit
  37. 5.62% Foundation Home Loans Secured Loans No Fees Bad Credit 2025
  38. 5.73% Teachers Building Society Secured Loans with No Fees and 84.22% LTV
  39. 7.46% Properties Held In Trust Secured Loans No Fees 90% LTV
  40. 7.24% Spray Foam Insulation Secured Loans