Lifetime Mortgage Scottish Building Society Equity Release

Retirement Mortgage Scottish Building Society

  • Remove tax-free cash from your property.
  • No monthly payments
  • Use the money to help your family
  • 4.22% APR
  • Still, have a few more mortgage payments to make? No problems
  • Continue to stay in your house

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

Over 55
pensioner mortgages interest only
pensioner mortgages



  • Free No Obligation Quote

  • Please enter a number from 10000 to 2000000.

  • About You

retirement mortgages
pensioner mortgages interest only


Drawbacks of Equity Release Plans

Home reversion schemes can reduce the value of your estate. Monthly payments on a life-time mortgage may impact your ability to claim benefits. You may need to pay an advisor’s fee, and some products expose you to changes in interest rates.

Remortgage More Than Two Borrowers in 2025



Lenders for Equity Release

  • Key Retirement
  • Stepchange
  • Age Concern
  • AA equity release

 

Areas of the UK where Lifetime Mortgages are popular

  • Leigh
  • Whaley Bridge
  • Wolsingham
  • Ipswich
  • Weybridge
  • Clare
  • Margate
  • Diss
  • Reigate
  • Calne
  • Rothwell
  • Dawley
  • Scarborough

The lender will want to know if the property is a Freehold house or a Leasehold flat with a share of freehold and if the resident is a Private Tenant.

Crown Mortgages

One Family

Aviva Retirement Mortgages

 

  • More 2 Life Capital Choice Plus Plan
  • L&G Legal & General Flexible Max Scheme
  • Pure Retirement Lifetime Mortgage
  • Stonehaven Interest Select Plan
  • Nationwide Equity Release Schemes
  • More to Life Flexi Choice Voluntary Payment Super Lite
  • Royal Bank of Scotland Equity Release Schemes
  • L&G Legal & General Flexi Max Voluntary Repayment Plan
  • Pure Retirement Classic Drawdown Lite Plan
  • Nationwide Equity Release Plans
  • Lloyds Bank Equity Release Plans
  • More 2 Life Capital Choice Plan
  • TSB Equity Release Plans
  • Saga home reversion plan
  • Liverpool Victoria LV= Flexible Lifetime Mortgage
  • More 2 Life Capital Choice Plus Plan
  • Pure Retirement Classic Drawdown Lite Plan
  • Saga Equity Release Schemes
  • Aviva Equity Release Schemes
  • Hodge Equity Release Plans
  • Stonehaven Equity Release
  • Lloyds Bank Equity Release Plans

People often look for lump sum lifetime mortgages, monthly payment lifetime mortgages, or monthly payment equity releases. However, Key Solutions, like AA equity release, are keen to see evidence of your situation in the form of pension statements.

More2Life - Flexi Choice Lite

Pensioner Mortgage Scottish Building Society

Just lifetime mortgage

Canada Life - Lifestyle Gold

Pure Retirement - Classic Super Lite Plan

Pure Retirement Ltd lifetime mortgage

LV= Lump Sum+ Lifetime Mortgage

Premier Flexible Black

Interest Only Lifetime Mortgages Scottish Building Society

LV= Flexible Lifetime Mortgage

 

  • Construction of roads and motorways Shirebrook
  • Manufacture of tobacco products St Ives
  • Retail sale of antiques, including antique books in stores Glossop
  • Other service activities incidental to land transportation, n e c Godmanchester
  • Agents involved in the sale of timber and building materials Bradley Stoke
  • Manufacture of office machinery and equipment except computers and peripheral equipment Chickerell
  • Other education n e c Bradford-on-Avon
  • Construction of domestic buildings in Tottenham
  • Manufacture of other non-distilled fermented beverages Keighley
  • Activities of credit bureaus Kempston
  • Licensed carriers Beverley
  • Cold forming or folding St Ives
  • Forging, pressing, stamping and roll-forming of metal; powder metallurgy Bude-Stratton
  • Service activities incidental to water transportation Kesgrave
  • Growing of pome fruits and stone fruits Coleford
  • Raising of horses and other equines Skelmersdale
  • Photocopying, document preparation and other specialised office support activities in Christchurch
  • Manufacture of other games and toys, n e c New Mills
  • Logging Banbury
  • Other residential care activities n e c Letchworth Garden City
  • Mining of uranium and thorium ores Kimberley
  • Agents involved in the sale of textiles, clothing, fur, footwear and leather goods Tipton
  • Manufacture of other wearing apparel and accessories n e c Royal Wootton Bassett
  • Hairdressing and other beauty treatment in Bury
RIO Bath Building Society for 2025


Does the Scottish Building Society offer mortgages up to 85?

Yes, the Scottish Building Society do mortgages up to 85 at 2.26% APR. Scottish Building Society mortgages up to 85 have a loan-to-value (ltv) of 70%.

Does the Scottish Building Society offer later-life lending to those Under 55?

Yes, Scottish Building Society’s later life lending Under 55 is 1.88% MER.

Does the Scottish Building Society offer mortgages over 70?

Yes, Scottish Building Society mortgages over 70 are 2.19% APRC.

Does the Scottish Building Society do mortgages over 75?

Yes, Scottish Building Society mortgages over 75 are 1.8% APR.

Does the Scottish Building Society offer later-life lending?

Yes, Scottish Building Society’s later life lending is 2.27% APRC.

What are the current Scottish Building Society rates for retirement mortgages?

Scottish Building Society rates for retirement mortgages are 2.11% APRC.

Does the Scottish Building Society have excellent reviews for pensioner mortgages?

Yes, Scottish Building Society reviews are commendable for pensioner mortgages.

Does the Scottish Building Society Rio mortgage calculator show the loan to value?

Yes, the Scottish Building Society RIO mortgage calculator shows an excellent loan with a value of 74.22%.

Does a Scottish Building Society retirement interest-only mortgage advisor charge a large fee?

No, Scottish Building Society retirement interest-only mortgage advisors are free.

Does the Scottish Building Society offer mortgages over 60?

Yes, Scottish Building Society mortgages over 60 are 2.28% MER.

Does the Scottish Building Society offer mortgages over 55?

Yes, Scottish Building Society mortgages over 55 are 2.2% APR.

What percentage can be released?

The more aged you are and the more serious your illnesses you are, the more tax-free cash you can release.

Equity Release LTV

  • 60% monthly payment equity release Zurich
  • 60% loan to value lump sum lifetime mortgages Sunlife Plans
  • 24.22% loan to value (LTV) monthly payment life time mortgage Masthaven 1st Charge

Difficult-to-finance property types 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 with unregistered titles subject to these being registered as part of the legal process and properties where the borrower(s) own the freehold with any connected party.

Common retirement loan offerings are TSB interest-only lifetime mortgages, Barclays Bank mortgages for people over 70, Halifax later life interest-only mortgages for people over 60, Legal and General mortgages for 60-year-olds, and Nationwide BS later life mortgages.

Hard-to-finance property types can include eco houses and modern methods of construction, properties with any external treatment applied to the roof after construction, privately developed flats, up to four storeys with a lift, former local authority flats, and privately developed flats in blocks of three or four storeys without a lift.

Popular loan to values of Lloyds mortgages for over 60s, HSBC mortgages for people over 50, NatWest lifetime mortgages for over 60s, Legal and General mortgages for over 65, Bank of Scotland later life mortgages for over 70s and Nationwide BS equity release plans for people over 60 are 50%, 60% and 70%.

Challenging to finance property titles can include properties with land in addition to the domestic grounds up to a maximum property size of five acres, where the land is for normal domestic use, properties with room(s) or outbuilding(s) used for a small amount of personal, commercial use, grades l and ll* Listed Buildings in England & Wales (Grades A and B in Scotland; A, B+ and B1 in Northern Ireland), properties with flying or creeping freeholds which comprise over 14.22% of the total floor area and properties adversely affected by existing or proposed issues including roads, rail, airports, power plants, power lines/pylons, wind turbines, sub stations, sewage works, quarries, fuel stations, refuse sites, sports grounds, noise, light or environmental pollution.

Challenging to mortgage property titles include properties with legal agreements such as Overage, Clawback, Option, Pre-emption, or any onerous Restrictive Covenant, high service charges – properties where the Service Charge per annum at the time of application is more than 2% of the property value, properties of non-standard construction, cob property and concrete panel houses.

How much can I borrow?

You can get 70% of your property’s valuation. For example, if your house is valued at £320,000, you can get £192,000.

Secured Loan And Equity Release Lenders

  1. 5.58% First Direct Secured Loans No Fees Free Valuation 84.22%
  2. 5.73% Teachers Building Society Secured Loans with No Fees and 84.22% LTV
  3. 7.38% Under 50 UK Property Secured Loans No Fees Bad Credit
  4. 7.29% Property Built Near To Contaminated Site Secured Loans
  5. 7.36% High Acceptance Secured Loans No Fees Free Valuation
  6. 7.35% Properties Adjacent Commercial Premises Secured Loans
  7. 7.46% Fixed Unregulated Secured Loans No Fees Free Valuation
  8. 5.73% Secured Loans from Manchester Building Society – No Fees, 84.22% LTV
  9. 7.29% Ex Council Property Housing Association Secured Loans
  10. 7.29% Property Made Up Of Multiple Titles Secured Loans 84.22%
  11. 7.21% Annexe Self Contained Granny Flats Secured Loans
  12. 7.44% Laing Easiform Homes Mortgages Secured Loans No Fees
  13. 5.64.22% Fixed Atom Bank Secured Loans No Fees Free Valuation
  14. 5.72% Fixed Halifax Secured Loans – No Fees, Free Valuation, 90% LTV
  15. 7.28% Category A & B Listings Scotland Listed Secured Loans
  16. 5.74% Secured Loans with Mansfield BS: No Fees, Free Valuation, and 84.22% LTV
  17. 7.26% Corrugated Iron Roofs and Iron Secured Loans: Get 84.22% Financing
  18. 5.83% Legal And General Secured Loans – No Fees, Free Valuation
  19. 5.5% Intelligent Finance Secured Loans No Fees Bad Credit
  20. 7.34% Properties Purchased Right To Buy Scheme Secured Loans
  21. 5.75% Yorkshire BS Secured Loans: No Fees, Free Valuation, 85% LTV
  22. 5.57% Royal Bank of Scotland Secured Loans No Fees 90% LTV
  23. Newcastle Building Society Secured Loans No Fees
  24. 7.29% Crofted Houses Secured Loans – No Fees, Free Valuation
  25. 5.54.22% Swansea Building Society Secured Loans No Fees 90% LTV
  26. 5.57% Fixed Amber Home Secured Loans No Fees Free Valuation
  27. 7.21% No Broker Fee Secured Loan with Free Valuation and No Fees – 90% LTV
  28. 90% LTV with 7.4% Pre-Fabricated Properties Secured Loans
  29. 7.34% Asbestos Sheet Secured Loans No Fees Free Valuation
  30. Leeds BS Secured Loans – Get Free Valuation & No Fees
  31. 5.67% Cambridge Building Society Secured Loans No Fees 90%
  32. 7.47% First Time Borrowers Secured Loans No Fees Bad Credit
  33. 5.68% Harpenden Building Society Secured Loans No Fees 90%
  34. 7.4.22% Second Homes Secured Loans No Fees Free Valuation 90%
  35. 5.72% Fixed Rate on Leeds Building Society Secured Loans – No Fees, 90% LTV
  36. 5.75% The Mortgage Lender Secured Loans with No Fees, Even with Bad Credit
  37. 7.46% Properties Held In Trust Secured Loans No Fees 90% LTV
  38. 5.52% Precise Mortgages Secured Loans No Fees Free Valuation
  39. 7.44% Loft Conversion Secured Loans No Fees Free Valuation
  40. 5.55% Clydesdale Bank Secured Loans No Fees Free Valuation