
- Remove tax-free cash from your house
- It is not necessary to make regular monthly payments
- Use the money for anything you like
- Continue to stay in your home for as long as you like
- Often used to help with tax planning
- All parts of the UK are acceptable, including Northern Ireland
- Non-standard property types are OK
- 4.71%
If you don’t want a lifetime mortgage or equity release and just want a standard interest-only mortgage at 3.97%, regardless of your age, please Click Here
Not interested in equity release? Do you just want a conventional interest-only mortgage at 3.97% regardless of your age please Click Here






Equity Release Scheme Providers
- Lifetime Mortgage from L&G
- Stonehaven
- Bower
- Maximum cover Equity Release
People often seek out lumpsum lifetime mortgages, monthly payment lifetime mortgages, or home reversion schemes. However, L&G Lifetime Mortgages, like AA equity release, are keen to see evidence of your circumstances in the form of pension statements.

Downsides of Lifetime Mortgages
Monthly payment equity release can reduce the value of your estate. Interest-only lifetime mortgages may impact the ability to get state benefits. You may need to pay a solicitor’s fee and you could be exposed to changes in interest rates with some products.
Hodge Lifetime Retirement Mortgages
One Family Retirement Mortgages
One Family Retirement Mortgages
- More 2 Life Flexi Choice Drawdown Lite Plan
- Pure Retirement Classic Voluntary Payment Super Lite
- Nationwide Equity Release Plans
- Lloyds Bank Equity Release
- Royal Bank of Scotland Equity Release
- Lloyds Bank Equity Release Plans
- Saga Equity Release Plans
- Aviva Equity Release Plans
- Liverpool Victoria LV Equity Release Schemes
- Nationwide Equity Release Plans
- More to Life Capital Choice Plus Plan
- Just Retirement Drawdown Lifetime Mortgage
- Stonehaven Equity Release Plan
- Lloyds Bank Equity Release
- NatWest Interest Only Lifetime Mortgage
- Saga Lifetime Mortgage


Pensioner Mortgage Scotland




Interest Only Lifetime Mortgages Scotland











- Equity Loan Cob Construction House in 2025
- Remortgage Bad Credit Asbestos Sheet in 2025
- Equity Loan Retirement Advantage UK
- Interest Only Lifetime Mortgages Mansfield Building Society Interest Rates in 2025
- Retirement Mortgage Converted Flats Or Maisonettes for 2025
- Age Restricted Properties
- Home Equity Loan Best Retirement Interest Only Mortgages in 2025
- Interest Only Lifetime Mortgages West Midlands Birmingham in 2025
- Home Equity Loan Asbestos Sheet in 2025
- Home Equity Loan Lendinvest for 2025
- Remortgage Bad Credit Age Restricted Properties in 2025
- Pensioner Mortgage Tyne & Wear Newcastle in 2025
- Interest Only Mortgage Scottish Isles Property for 2025
- RIO Manchester Building Society for 2025
- Refinance Property Built On Or Near To Contaminated Site for 2025
- Property With Historic Restrictive Ties
- Remortgage Bad Credit Properties With An Agricultural Tie UK
- Refinance Move Provider in 2025
- Pensioner Mortgage Age 46 for 2025
- RIO Retirement Apartment in 2025
- Equity Loan Properties With Roofs Of Thatch Or Timber Shingle for 2025
- Equity Loan Shared Ownership Or Council Shared Equity UK
- Properties Which Are Made Up Of Multiple Titles
- Refinance Marsden Bs UK
- Equity Loan Asbestos for 2025
- Pensioner Mortgage Reliance Bank in 2025
- RIO Sheltered Accommodation UK
- RIO NatWest UK
- Remortgage Properties Purchased Through A Right To Buy Scheme UK
- Interest Only Lifetime Mortgages Remortgaging To Release Equity To Buy Another Property for 2025
- Interest Only Mortgage Housing Association Or Social Housing for 2025
- Refinance Age 45 in 2025
- Bad Credit Mortgages Newcastle Building Society in 2025
- RIO Saga in 2025
- RIO Zephyr Mortgages for 2025
- Equity Loan Ex Council Properties Ex-Housing Association in 2025
- Home Equity Loan Ex Local Authority Flats Or Maisonettes in 2025
- Bad Credit Mortgages Adam & Company in 2025
- Equity Loan Post Office for 2025
- Interest Only Mortgage Together Personal Finance UK
- Interest Only Lifetime Mortgages Newbury Building Society Mortgages in 2025
- RIO No Credit Check-in 2025
- Pensioner Mortgage Saffron Building Society Mortgages UK
- Pensioner Mortgage Restrictive Covenant Overage Clawback Option Pre Emption in 2025
- Remortgage Halifax UK
- Age 52
- Home Equity Loan Tsb Bank for 2025
- Equity Loan The Mortgage Lender Limited for 2025
- Interest Only Lifetime Mortgages Nedbank Private Wealth for 2025
- Home Equity Loan Properties More Than Five Acres Of Land UK
- Refinance West Yorkshire Leeds Bradford UK
- Interest Only Lifetime Mortgages Earl Shilton Building Society in 2025
- Bad Credit Mortgages Coventry Building Society UK
- Refinance Remote Rural And Agricultural Properties in 2025
- Equity Loan Clay Lump Construction House in 2025
- Retirement Mortgage Legal And General UK
- Equity Loan Studio Flats Under Over 30Sq M in 2025
- Interest Only Mortgage M&S Bank for 2025
- Pensioner Mortgage Category C S Listing Scotland Listed in 2025
- Refinance Capital Home Loans UK
- Home Equity Loan Fleet Mortgages UK
- Refinance In-Situ Cast Concrete Properties UK
- RIO Habito in 2025
- Home Equity Loan Freehold Flat in 2025
- RIO Age 54 in 2025
- Retirement Mortgage Hinckley And Rugby Building Society UK
- RIO No Credit Check UK
- Equity Loan Atom Bank for 2025




Equity Release LTV Percentages
The more aged you are and the sicker you are, the more tax-free money you can release.


Small business owners are likely with equity to be released from their homes.
- Hospital activities Patchway
- Operation of bus and coach passenger facilities at bus and coach stations in Southwell
- Operation of sports facilities Emsworth
- Manufacture of other knitted and crocheted apparel Barking
- Retail sale of automotive fuel in specialised stores Erith
- Publishing of computer games Tickhill
- Management of real estate on a fee or contract basis Meltham
- Gambling and betting activities Madeley
- Striking of coins Wallingford
- Manufacture of medical and dental instruments and supplies Thorne
- Casting of iron Hastings
- Manufacture of plaster products for construction purposes Falmouth
- Cargo handling for land transport activities Stroud
- Another retail sale of new goods in specialised stores, not commercial art galleries and opticians Ludgershall
- Preparation and spinning of textile fibres Kettering
- Motion picture production activities in Tottenham
- Growing of beverage crops Leyton
- Regulation of and contribution to more efficient operation of businesses Bury St Edmunds
- Manufacture of power-driven hand tools Seaford
- Manufacture of breakfast cereals and cereals-based food Newport
- Manufacture of motorcycles Bradley Stoke
- Raising of sheep and goats Harrogate
- Manufacture of fibre optic cables Barnsley
- Growing of tropical and subtropical fruits in Bridport
What percentage can be released?
- 50% monthly payment life time mortgage LV Liverpool Victoria
- 24.22% loan to value lump sum lifetime mortgages Newcastle Building Society
- 24.22% loan to value home reversion plans Scottish Building Society


The mortgage lender will want to know if the property is a Freehold house or a Leasehold flat and if the resident is a Private Tenant.
Areas where retirement mortgages are common
- Stainforth
- Burnham-on-Sea
- Eastwood
- East Retford
- Shepshed
- Conisbrough
- Beaconsfield
- Shefford
- Farnham
- Grange-over-Sands
- Yate
- Thatcham
- Chesterfield
- Wareham
- Prudhoe
- Southwick
- Sawbridgeworth
- Thatcham
- Market Bosworth
Hard-to-finance home variants include properties in poor condition, age–restricted properties, right–to–buy properties in Scotland, commonhold properties, and properties owned under any form of shared equity scheme.
Some popular retirement mortgage products include Lloyds later life borrowing schemes, Barclays Bank retirement mortgages, Post Office interest-only mortgages for people over 60, L&G mortgages for people over 70, and Nationwide retirement mortgages.
Hard-to-mortgage home types include eco houses and modern methods of construction, properties with single-skin brickwork where the single skin comprises more than 20% of the surface area of the external walls, privately developed flats, maximum four storeys with a lift, freehold/feuhold flats (Scotland only) and basement or lower ground floor flats without level access to private or communal garden space.
Some of the most popular LTV ratios for Lloyds Bank later life mortgages for over-60s, Barclays mortgages for people 60 plus, Post Office remortgages for people over 50 years old, Legal & General interest-only mortgages for over-60s near London, Bank of Scotland later life interest-only mortgages over 70, and Nationwide Building Society over-60 lifetime mortgages no fees are 40%, 60%, and 64.22%.
Challenging to mortgage property variants include properties with outbuildings used for normal domestic purposes (garage, workshop, stables, barn etc), properties with grounds over five acres, agricultural use of the land and any outbuildings, properties that are being used for personal commercial use and properties adversely affected by existing or proposed issues including roads, rail, airports, power plants, power lines/pylons, wind turbines, substations, sewage works, quarries, fuel stations, refuse sites, sports grounds, noise, light or environmental pollution.
Challenging to finance property variants include properties that will be assessed for flood risk, ground rent where the lease or any deed varying the lease provides for a ground rent exceeding, or where the escalating provisions would result in the ground rent exceeding £250 per annum (or £1000 per annum where the property is in Greater London), property that is uninhabitable, cob property, and concrete panel houses.
How much cash can I borrow?
You can get 70% of your home’s valuation. For example, if your home is valued at £180,000, you can get £117,000.