Release-tax free equity from your house
4.08%
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 4.78%, regardless of your age, please Click Here

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Not interested in equity release? Do you want a conventional interest-only mortgage at 4.78%, regardless of age? Please Click Here

Home Equity Loan New Street Mortgages in 2026

RIO Remortgaging To Release Equity To Buy Another Property in 2026

Pensioner Mortgage Manchester Building Society UK

Bad Credit Mortgages Pure Retirement in 2026

RIO Properties Above Commercial Premises for 2026

Interest Only Lifetime Mortgages Magellan Homeloans UK

Equity Loan Scottish Building Society for 2026

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 affect eligibility for benefits. You may need to pay a broker’s fee, and some products expose you to interest rate fluctuations.

Remortgage Bad Credit Properties Purchased Through A Right To Buy Scheme UK

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 in 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 in 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 in 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 a monthly payment lifetime mortgage, a 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 even with bad credit

55% 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, 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

Interest Only Lifetime Mortgages Move Provider in 2026

Pensioner Mortgage Saga

Does Saga do mortgages up to 85?

Yes, Saga do mortgages up to 85 at 4.84% 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 4.41% APRC.

Does Saga offer mortgages over 70?

Yes, Saga mortgages over 70 are 4.58% APR.

Does Saga do mortgages over 75?

Yes, Saga mortgages over 75 are 4.62% APR.

Does Saga do later-life lending?

Yes, Saga’s later-life lending is 4.08% APRC.

What are Saga rates for retirement mortgages?

Saga’s interest rate for retirement mortgages is 4.81% 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 55%.

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 4.69% MER.

Does Saga do mortgages over 55?

Yes, Saga mortgages over 55 are 4.69% MER.

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 aged 60 and over.

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 14.08% or less of the total floor area, agricultural use of the land and any outbuildings, properties with flying or creeping freeholds comprising over 14.08% 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 65% of your home’s value. For example, if your home is worth £220,000, you can get £154,000.

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