Retirement Mortgage Sheltered Accommodation

Remove money from your property
You don’t need to make monthly payments
Still, have a few more mortgages payments to make? No problems
Often used to manage inheritance tax bills
Non-standard property types are OK

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
Release equity from:*
How Much Would You Like Release/Borrow?*
Please enter a number from 6000 to 2000000.
Estimated Value Of Your Home?*
Total amount of mortgage/loans you have on your home
About You
Please tell us about your self and what you want
Name*
First Last
Date of Birth*
Day
Month
Year
Your Email Address:*
Phone Number*
First Line Of Your Address:*
Your Postcode:*

Not interested in equity release? Do you just want a conventional interest only mortgage at 3.97% regardless of your age please Click Here

Free No Obligation Quote
Release equity from:*
How Much Would You Like Release?*
Please enter a number from 10000 to 2000000.
Estimated Value Of Your Home?*
Total amount of mortgage/loans you have on your home
About You
Please tell us about your self and what you want
Name*
First Last
Date of Birth*
Day
Month
Year
Contact Phone Number:*
Your Email Address:*
First Line Of Your Address:*
Your Postcode:*

It’s very regular to find individuals looking for monthly payment equity release, monthly payment lifetime mortgage or lifetime mortgage with flexible drawdown cash release, however, Key Retirement like AIG Life are keen to see evidence of your personal situation in the form of investment statements.

More 2 Life Capital Choice Plus Plan
Just retirement equity release key features
NatWest Equity Release Plans
Liverpool Victoria LV Equity Release Plans
More to Life Capital Choice Plus Plan
Pure Retirement Equity Release
HSBC Equity Release Plans
NatWest Lifetime Mortgage
Age Partnership Equity Release Plans
Bridgewater Equity Release Plans
Hodge Lifetime Flexible Voluntary Repayment Plan
L&G Legal & General Flexible Max Scheme
Pure Retirement Drawdown Plan
Stonehaven Interest Only Lifetime Mortgage
Nationwide Interest Only Lifetime Mortgage
HSBC Lifetime Mortgage
More to Life Flexi Choice Voluntary Payment Super Lite
NatWest Lifetime Mortgage
More to Life Capital Choice Plus Plan
Royal Bank of Scotland Equity Release Plans
More 2 Life Capital Choice Plus Plan

Towns in the UK where retirement mortgages are common

Alton
Horwich
Charlbury
Bicester
South Brent
Colburn
Erith
Clay Cross
Dawley
Colyton
Cricklade
Glastonbury
Northam
Gillingham

Just Drawdown Lifetime Mortgages

LV Lifetime Mortgages

Canada Life Drawdown Lifetime Mortgages

Pensioner Mortgage Sheltered Accommodation

Canada Life Home Finance lifetime mortgage

UK Equity Release Providers

Key Retirement
LV lifetime mortgage
Key Retirement
One Family

Equity Loan Harpenden Building Society in 2025

Pensioner Mortgage Ge Money Home Lending Ltd in 2025

Remortgage Bad Credit Handelsbanken in 2025

Home Equity Loan More Than Two Borrowers for 2025

RIO Freehold Held By Local Authority in 2025

How much is it common to release from a home

The more elderly you are and the more serious your illnesses you are the more tax free money you can release.

Remortgage Bad Credit Best Retirement Interest Only Mortgages UK

Equity Loan Barnsley Building Society UK

Interest Only Lifetime Mortgages Prefabricated Concrete Houses UK

Interest Only Lifetime Mortgages Sheltered Accommodation

Interest Only Lifetime Mortgages In-Situ Cast Concrete Properties for 2025

Home Equity Loan Properties Purchased Through A Right To Buy Scheme UK

Successful business owners who could benefit from equity release tax planning

Manufacture of other non-metallic mineral products n e c Harpenden
Other amusement and recreation activities n e c Shifnal
Renting and leasing of media entertainment equipment Coulsdon
Retail sale of beverages in specialised stores Morley
Distribution of electricity Gosport
Activities of other membership organizations n e c Kimberley
Manufacture of computers and peripheral equipment Ringwood
Agents involved in the sale of furniture, household goods, hardware and ironmongery Scarborough
Wholesale of textiles Rayleigh
Manufacture of prepared feeds for farm animals West Malling
Combined office administrative service activities Axbridge
Activities of households as employers of domestic personnel Verwood
Other manufacturing n e c Rochford
Repair of fabricated metal products Greater Willington
Public houses and bars Alford
Video distribution activities Kidderminster
Factoring Hounslow
Inland passenger water transport Kingsteignton
Manufacture of concrete products for construction purposes Chesterfield
Manufacture of fertilizers and nitrogen compounds Wellingborough
Liquid milk and cream production Newton-le-Willows
Other cleaning services Burnham-on-Crouch
Manufacture of other products of wood; manufacture of articles of cork, straw and plaiting materials Loughton
Manufacture of perfumes and toilet preparations Mossley
Risk and damage evaluation Wareham
Activities of mortgage finance companies Swanley
Real estate agencies Lynton & Lynmouth

The 1st and 2nd charge lender will want to know if the property is a Freehold terraced house or a Leasehold house and if the resident is an Private Tenant.

What percentage can be released?

60% lumpsum lifetime mortgages AIG Life
50% loan to value lifetime mortgage with flexible drawdown cash release Key Retirement
24.22% loan to value (LTV) lump sum lifetime mortgages United Trust Bank
50% loan to value (LTV) monthly payment lifetime mortgage Precise
54.22% loan to value (LTV) lifetime mortgage with flexible drawdown cash release Age Concern
44.22% loan to value monthly payment equity release Norwich Union
24.22% loan to value (LTV) monthly payment life time mortgage Tesco Bank

Pitfalls of Lifetime Mortgages

Interest-only lifetime mortgages can reduce your estate value. Monthly payment life time mortgage may impact ability to claim entitlements. You may need to pay a solicitor’s fee and you could be exposed to changes in interest rates with some products.

Hard to finance property types include properties in poor condition, age restricted properties, right to buy – properties in Scotland, commonhold properties and properties where the borrower(s) own the freehold with any connected party .

Some of the most common pensioner finance products include Lloyds Bank later life interest only mortgages over 60, Barclays Bank mortgages for 60 plus pensioners, Halifax retirement mortgages, Legal & General mortgages for people over 50 and Nationwide RIO mortgages.

Difficult to mortgage home types can include Timber-framed properties constructed post 1965, properties with pre 1945 asbestos or similar composition roof tiles, steel frame/clad properties built before 1990, 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 LTV ratios of Lloyds retirement mortgagesover 65, Barclays equity release schemes for over 55’s, NatWest over 60 lifetime mortgages no fees, Legal & General RIO mortgages over 75, Bank of Scotland mortgages for 60 plus and Nationwide BS mortgages for pensioners over 60 are 40%, 54.22% and 64.22%.

Tough to finance property titles can include grade ll Listed houses (grade C in Scotland and B2 in Northern Ireland), properties converted from modern commercial premises, use of the land and any outbuildings for a small amount of personal commercial use., properties using rooms, land or outbuildings for business purposes which are not personal to the borrower(s) or which extend to more than 50% of the property to be secured and properties in coastal areas that may be affected by erosion.

Tough to mortgage home variants can include rentcharges properties with a high estate rentcharge, 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), properties with structural problems, cob property and concrete panel houses.

How much money can I borrow?

You can borrow 64.22% of your home’s valuation. As an example, if your house is valued at £250,000 you can get £175,000.

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