Lifetime Mortgage Saga

Retirement Mortgage Saga

  • Release-tax free equity from your house
  • 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 vehicle to reduce tax bills
  • Lender not affected by covid 19 crisis
  • All parts of the UK are acceptable including Northern Ireland

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

  • Please enter a number from 6000 to 2000000.
  • About You

Not interested in equity release? Do you just want a conventional interest-only mortgage at 3.97% regardless of your 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 2023

Remortgage Atom Bank UK

Interest Only Lifetime Mortgages Saga

Pitfalls of Equity Release Plans

Monthly payment life time mortgage can reduce your estate value. Lifetime mortgage with flexible drawdown cash release may impact 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 tenancy 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 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 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 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 life time 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

  • 55% monthly payment equity release Zurich
  • 30% loan to value monthly payment life time 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 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

Do 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%.

Do Saga do later life lending to Under 55?

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

Do 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 later life lending is 2.05% APRC.

What are Saga rates for retirement mortgages?

Saga interest rates for retirement mortgages are 1.8% APR.

Do 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 a excellent loan to value of 55%.

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

No, Saga retirement interest only mortgage advisors are free.

Do Saga do mortgages over 60?

Yes, Saga mortgages over 60 are 2.21% MER.

Do 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 at the time of the valuation inspection, properties where the 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.

Common 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 over 60s.

Hard to mortgage home types can include eco houses and modern methods of construction, properties with spray foam insulation applied to the underside of the roof, properties constructed or converted within the past 10 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 mortgagesover 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 freehold which comprises 15% or less of the total floor area, agricultural use of the land and any outbuildings, properties with flying or creeping freeholds which comprise over 15% of the total floor area and properties where Japanese Knotweed is present.

Tough to mortgage home titles can include rentcharges properties with a high estate rentcharge, 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 65% of your home’s value. As an example, if your home is worth £220,000 you can get £154,000.