
- Remove tax-free money from your property
- No need to make monthly payments
- Help your family with the money you release
- 4% Equity Release
- Do you still have a mortgage? No problems
- Continue to live in your own home for as long as you like
- All leasehold properties are considered
If you don’t want a lifetime mortgage or equity release, and want a normal interest-only mortgage at 3.97% regardless of your age please Click Here
Not interested in equity release? Do you want a conventional interest-only mortgage at 3.97% regardless of your age please Click Here






Pensioner Mortgage Second Homes And Buy To Let Properties Btl







Providers for Equity Release
- Key Retirement
- Liverpool Victoria
- Lifetime Mortgage from L&G
- Fortify Insurance Solutions

Downsides of Equity Release Plans
Monthly payment equity release can reduce your estate value. Monthly payment for a lifetime mortgage may impact entitlements to state benefits. You may need to pay an advisor’s fee, and you could have higher rates to pay with some schemes.



Difficult to mortgage property variants can include properties where proposed building works have not yet commenced, properties where the ownership is set up on a tenancy in common basis, feuhold/freehold properties (including flats) in Scotland, crofted houses and properties with leased solar panels.
Some of the most common pensioner loan products include TSB over-60 mortgages, HSBC interest-only mortgages for people over 70, Post Office retirement mortgages, L&G equity release plans, and Nationwide BS interest-only mortgages for people over 70.
Difficult-to-finance home types can include complicated roof structures, timber framed properties built between 1920 and 1965, steel frame/clad properties built before 1990, freehold/feuhold flats (Scotland only) and basement or lower ground floor flats with level access to private or communal garden space.
Popular LTV percentages of Lloyds interest-only mortgages for over the 60s near London, Barclays Bank interest-only mortgages for over 65-year-olds, Post Office retirement mortgages over 65, Legal and General over 60 mortgages, Bank of Scotland retirement interest-only mortgages over 75 and Nationwide Building Society interest only mortgages for people over 60 are 44.22%, 60% and 64.22%.
Challenging to finance home titles can include grade ll Listed houses (grade C in Scotland and B2 in Northern Ireland), properties with flying or creeping freehold, which comprises 14.22% or less of the total floor area, properties with a small number of solar panels or a wind turbine on the land for domestic use, properties with mobile phone masts which are not within influencing distance of the house and properties with mobile phone masts which are within influencing distance of the house.
Tough-to-mortgage home titles include properties built on contaminated land, properties with any structural defect, damp, dry or wet rot, properties of non-standard construction, mundic homes and missing planning permission or building regulations approval.
Equity release loan to value?
You can achieve 60% of your home’s value. For example, if your home is worth £280,000, you can get £182,000.



- Interest Only Lifetime Mortgages Mansfield Bs UK
- Home Equity Loan Liverpool Victoria in 2025
- Refinance Ex Local Authority Flats Or Maisonettes in 2025
- Pensioner Mortgage St James Place Bank for 2025
- RIO Tax-Free And Estate Planning UK
- Refinance Hodge UK
- RIO Landbay for 2025
- Remortgage More To Life for 2025
- Refinance Britannia Co-Operative Bank for 2025
- Equity Loan Manchester Building Society in 2025
- RIO Age 51 in 2025
- Remortgage In-Situ Cast Concrete Properties UK
- Refinance Pitched Roofs Of Asbestoscement Tiles UK
- Remortgage Stonehaven for 2025
- Equity Loan Leeds And Holbeck Building Society in 2025
- Equity Loan Property With Solar Farms Wind Turbines Mobile Masts in 2025
- Pensioner Mortgage Kent Reliance UK
- Refinance Under 50 in 2025
- Remortgage Properties Held In Trust for 2025
- Refinance Woolwich Further Advance UK
- RIO Leeds Building Society in 2025
- Interest Only Lifetime Mortgages Mortgage Express for 2025
- Remortgage Bad Credit Cynergy Bank in 2025
- RIO Barnsley Building Society for 2025
- Metro Bank
- Interest Only Mortgage More Than Two Borrowers for 2025
- Interest Only Mortgage Sainsburys Bank in 2025
- Home Equity Loan Properties Built Entirely Of Timber Or Timber Frame UK
- Remortgage Bad Credit Age Restricted Properties in 2025
- Intelligent Finance
- Remortgage First Direct UK
- Interest Only Mortgage Properties More Than Five Acres Of Land for 2025
- Remortgage Bad Credit Clydesdale Bank for 2025
- Remortgage Bad Credit Retirement Apartment for 2025
- Interest Only Mortgage Pure Retirement UK
- Interest Only Mortgage The Mortgage Works for 2025
- Remortgage Properties Flooded In The Past Five Years in 2025
- RIO Loughborough Society UK
- Refinance Belfast Northern Ireland UK
- Interest Only Mortgage Drawdown UK
- RIO Ex Council Property Houses And Flats in 2025
- Bad Credit Mortgages Leasehold Houses in 2025
- Equity Loan Virgin Money in 2025
- Pensioner Mortgage Holmesdale Building Society UK
- Refinance The Mortgage Business in 2025
- Equity Loan Direct Lender for 2025
- Home Equity Loan Bank Of Ireland Mortgages in 2025
- Bad Credit Mortgages Habito for 2025
- Refinance Kensington Mortgage Company UK
- RIO Precise Mortgages in 2025
- RIO Hanley Mortgages for 2025
- Equity Loan ITL Mortgages in 2025
- Interest Only Lifetime Mortgages Non-Standard Construction UK
- Refinance Crofted Houses UK
- Pensioner Mortgage No Advisor Fee UK
- Home Equity Loan Sell House for 2025
- Retirement Mortgage Mod Or Housing Association Houses And Bungalows in 2025
- Pensioner Mortgage Post Office for 2025
- Equity Loan New Street Mortgages UK
- Remortgage Bad Credit Freehold Flat for 2025
- Refinance Properties Involved In Commercial Farming in 2025
- Remortgage In House Under 55 UK
- Retirement Mortgage Ex Council Properties Ex-Housing Association in 2025
- Home Equity Loan The Mortgage Lender Limited for 2025
- Interest Only Mortgage South Yorkshire Sheffield in 2025
- Equity Loan Keystone Property Finance UK
- Harmful Credit Mortgages Properties Which Are Made Up Of Multiple Titles UK
- Home Equity Loan Category A & B Listings Scotland Listed UK
- RIO Under Power Of Attorney UK
- Refinance Ipswich Building Society Mortgages for 2025
How much is it common to release from a home
- 60% monthly payment life time mortgage AA equity release
- 24.22% loan to value interest-only lifetime mortgages Prestige Finance
- 60% loan to value lifetime mortgage with flexible drawdown cash release Precise
- 24.22% loan to value lump sum lifetime mortgages Buckinghamshire Building Society
- 60% LTV home reversion schemes Aviva
- 34.22% LTV lifetime mortgage with flexible drawdown cash release Liverpool Victoria
- 30% LTV home reversion schemes Evolution Money
- 40% loan to value (LTV) home reversion plans Vida
- 24.22% loan to value home reversion schemes Teachers Building Society
Canada Life Drawdown Lifetime Mortgages
Legal and General Lifetime Mortgages

Areas where equity release is popular
- High Wycombe
- Westerham
- Bootle
- Carlton Colville
- Waltham Cross
- Newport
- Nantwich
- Stainforth
- Sandown
- Tenbury Wells
- Partington
- Rye
- New Alresford
- Okehampton
- Littlehampton
- Bingham
The first and second charge lenders will want to know if the property is a Freehold terraced house or a Leasehold flat and if the resident is an Owner-Occupier.






Interest Only Lifetime Mortgages Second Homes And Buy To Let Properties Btl


- More 2 Life Capital Choice Plus Plan
- Bridgewater Equity Release Schemes
- Stonehaven Lifetime Mortgage
- HSBC Interest Only Lifetime Mortgage
- Lloyds Bank Equity Release Plans
- Aviva Lifetime Mortgages for Pensioners
- Lloyds Bank Equity Release Plans
- Age Partnership Lifetime Mortgage
- Just Retirement Equity Release
- Liverpool Victoria LV Equity Release Plans
- Nationwide Equity Release
- Saga home reversion plan
- Bridgewater Equity Release
- Just retirement equity release key features
- Stonehaven Equity Release Plan
- Saga Equity Release Schemes
Examples of retired small business owners likely to have equity to release
- Educational support services Wimborne Minster
- Agents involved in the sale of food, beverages and tobacco Wem
- Pre-primary education Higham Ferrers
- Manufacture of jewellery and related articles Scarborough
- Operation of bus and coach passenger facilities at bus and coach stations Hayle
- Administration of financial markets Whitehaven
- Public order and safety activities Harlow
- Service activities incidental to air transportation Chatham
- Cargo handling for air transport activities Braunstone Town
- Manufacture of breakfast cereals and cereals-based food Frinton and Walton
- Freshwater aquaculture Tipton
- Cold drawing of wire Blackwater and Hawley
- Mixed farming Oswestry
- Artistic creation Christchurch
- Repair of personal and household goods n e c Stone
- Packaging activities Godmanchester
- Treatment and disposal of hazardous waste St Helens
- Compulsory Social Security Activities Middleham
- Transport via pipeline Stevenage
- Activities of unit trusts Horwich
- Manufacture of corrugated paper and paperboard, sacks and bags Chudleigh
- Youth hostels Felixstowe
- Other urban, suburban or metropolitan passenger land transport not underground, metro or similar Haslingden
- Activities of collection agencies Colburn
- Extraction of natural gas Devizes
- Non-life reinsurance Orford
- Window cleaning services Kimberley
- Processing and preserving of potatoes Corbridge
Individuals are often found searching for a lifetime mortgage with a flexible drawdown cash release, monthly payment lifetime mortgage, or monthly payment equity release. However, the Telegraph, like Legal & General, is keen to see evidence of your personal circumstances in the form of bank statements.

What percentage can be released?
The older you are and the unhealthier you are, the more tax-free cash you can release.
