
- Remove tax-free equity from your property
- No monthly repayments
- Use the money for a holiday
- Continue to stay in your property for as long as you like
- No broker fee is charged
- Ex-local authority properties are acceptable
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
Not interested in equity release? Do you want a conventional interest-only mortgage at 3.97%, regardless of age? Please Click Here



- Bridgewater Equity Release
- Just retirement-defined benefit
- Canada Life Equity Release Schemes
- Just Retirement Equity Release Schemes
- More to Life Capital Choice Plus Plan
- TSB Lifetime Interest Only Mortgage
- Age Partnership Equity Release Schemes
- Aviva Lifetime Mortgages
- Canada Life Lifetime Mortgages
- Hodge Equity Release Schemes
- Lloyds Bank Equity Release Plans
- Royal Bank of Scotland Equity Release Schemes
- Aviva Equity Release Plans
- L&G Legal & General Flexible Max Scheme
- Liverpool Victoria LV Equity Release Schemes
- Nationwide Equity Release Plans

Equity Release percentages of your current property value -mortgage on studio flat
- 54.22% monthly payment lifetime mortgage AIG Life
- 34.22% LTV lump sum lifetime mortgages Saga
- 24.22% loan to value lump sum lifetime mortgages United Trust Bank
- 40% loan to value home reversion plans Vida
- 40% loan to value (LTV) lifetime mortgage with flexible drawdown cash release Prudential
- 50% loan to value interest-only lifetime mortgages Together Money
- 24.22% LTV monthly payment lifetime mortgage Halifax












Equity Release Loan To Value
The more elderly and sicker you are, the more money you can release.





Pensioner Mortgage Studio Flats Under Over 30Sq M


Retired business owners who may be interested in lifetime mortgages
- Manufacture of imitation jewellery and related articles Totton and Eling
- Agents involved in the sale of furniture, household goods, hardware and ironmongery Aylsham
- Sale of used cars and light motor vehicles Smethwick
- Retail sale of electrical household appliances in specialised stores Southgate
- Manufacture of cocoa and chocolate confectionery Wembley
- Repair and maintenance of aircraft and spacecraft in North Petherton
- Licensed restaurants Newbiggin-by-the-Sea
- Licensed carriers Bolton
- Processing and preserving of meat Biddulph
- Manufacture of other carpets and rugs Oakham
- Video distribution activities Lymington
- Production of electricity Kingsteignton
- Pension funding Ashton-under-Lyne
- Growing of tobacco Burslem
- Freight transport by road Amesbury
- Weaving of textiles Bicester
- Other service activities incidental to land transportation, n e c Poynton-with-Worth
- Liquid milk and cream production in Windsor
- Tanning and dressing of leather; dressing and dyeing of fur Newmarket
- Recreational vehicle parks, trailer parks and camping grounds in Crosby
- Other non-ferrous metal production Newton-le-Willows
- Deep coal mines Upton-upon-Severn
- Retail sale of books in specialised stores Altrincham
- Publishing of computer games Bideford
- Manufacture of sports goods Whitworth
Disadvantages of Home Reversion Schemes
A lifetime mortgage with a flexible drawdown cash release can reduce the value of your estate. A monthly payment lifetime mortgage may impact the ability to claim entitlements. You may need to pay a broker’s fee, and you could have higher rates to pay with some schemes.
- Remortgage Age Restricted Properties in 2025
- Retirement Mortgage Iva for 2025
- Refinance Properties Above Commercial Premises UK
- Kent Reliance
- Pensioner Mortgage Habito for 2025
- RIO Remortgaging To Release Equity To Buy Another Property in 2025
- RIO Sainsbury Bank in 2025
- Home Equity Loan Adam & Company for 2025
- Pensioner Mortgage Bristol UK
- Home Equity Loan Godiva Mortgages Ltd in 2025
- Home Equity Loan In House Under 55 UK
- Home Equity Loan Age 43 for 2025
- Pensioner Mortgage Age 53 in 2025
- Refinance Properties Held In Trust in 2025
- Retirement Mortgage Retirement Advantage in 2025
- Pensioner Mortgage First Active in 2025
- Refinance Under 45 UK
- Remortgage Bad Credit Dudley Building Society UK
- Equity Loan Cynergy Bank for 2025
- RIO Bank Of Ireland Mortgages for 2025
- RIO M&S Bank for 2025
- Remortgage Bad Credit More To Life for 2025
- Home Equity Loan St James Place Bank for 2025
- Retirement Mortgage West Yorkshire Leeds Bradford for 2025
- Remortgage Bad Credit Age 54 UK
- Home Equity Loan Age 49 for 2025
- Bad Credit Mortgages Tax-Free And Estate Planning for 2025
- Interest Only Mortgage Freehold Flat UK
- Remortgage Bad Credit Leeds And Holbeck Building Society in 2025
- Remortgage Converted Flats Or Maisonettes UK
- Retirement Mortgage Ulster Bank for 2025
- Remortgage Properties With Large Concrete Panel Construction UK
- Interest Only Lifetime Mortgages Bradford & Bingley Plc for 2025
- RIO Spray Foam in 2025
- Refinance Pre-Fabricated Properties for 2025
- Pensioner Mortgage Precise Mortgages UK
- Refinance Properties That Have A Flat Roof UK
- Interest Only Lifetime Mortgages Mansfield Building Society Interest Rates in 2025
- Pensioner Mortgage Topaz Finance UK
- Refinance Earl Shilton Building Society for 2025
- Bad Credit Mortgages Holmesdale Building Society in 2025
- Pensioner Mortgage Ipswich Building Society Mortgages UK
- Home Equity Loan Hodge for 2025
- Refinance Ex Council Properties Ex-Housing Association in 2025
- RIO Refinancing for 2025
- Retirement Mortgage Chelsea Building Society for 2025
- Refinance Properties Flooded In The Past Five Years in 2025
- Pensioner Mortgage Saga for 2025
- RIO Age 41 UK
- Home Equity Loan Virgin Money for 2025
- Bad Credit Mortgages External Walls Built Entirely Of Single Skin Brickwork UK
- Mortgage Express
- Equity Loan Foundation Home Loans UK
- Interest Only Mortgage Annexe Self-Contained Granny Flats for 2025
- Remortgage Metro Bank in 2025
- Retirement Mortgage Freehold Held By Local Authority UK
- Refinance First Direct UK
- No Advisor Fee
- Refinance Fleet Mortgages in 2025
- RIO Liverpool Victoria in 2025
- Refinance Britannia Co-Operative Bank for 2025
- Remortgage Mansfield Bs UK
- RIO Atom Bank UK
- Refinance Property Built On Or Near To Contaminated Site for 2025


Hard-to-mortgage property variants include properties in the course of construction or pre-construction, age-restricted properties, freehold/freehold properties (including flats) in Scotland, properties where the customer is offering only part of the title as security for the loan and properties with leased solar panels.
Appealing retirement mortgage products include TSB interest-only mortgages for over the 60s near London, Barclays Bank later life borrowing schemes, Post Office later life borrowing schemes, Legal and General later life interest-only mortgages and Nationwide equity release schemes.
Hard-to-mortgage property variants can include properties with post-1945 asbestos or similar composition roof tiles, properties with spray foam insulation applied to the underside of the roof, properties constructed or converted within the past ten years, studio flats outside the M25 and basement or lower ground floor flats without level access to private or communal garden space.
Typical LTV percentages of Lloyds interest only retirement mortgages for over 70s, Barclays Bank mortgages for over 65, NatWest equity release schemes for people over 70, L&G pensioner mortgages over 60, Bank of Scotland interest-only retirement mortgages for over 70s and Nationwide BS equity release plans for people over 60 are 50%, 54.22% and 70%.
Tough-to-finance home titles can include properties built or converted into dwellings within the last 10 years, 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 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.
Challenging to mortgage property variants can include properties built on contaminated land, leasehold properties with a short lease, typically less than 70 years, or a defective lease, properties with structural problems, mundic homes and properties that have never been registered with the land registry.
How much can I get?
You can achieve 60% of your home’s value. For example, if your home is worth £360,000, you can get £216,000.






UK Providers for Equity Release
- Lifetime Mortgage from L&G
- Stonehaven
- the Telegraph
- One Family
It is often found to find individuals seeking out interest-only lifetime mortgages, lump sum life time mortgages or home reversion plans, however, More2Life like AIG Life are keen to see evidence of your circumstances in the form of investment statements.
The 1st and 2nd charge lender will want to know if the property is a Detached freehold house or a Leasehold flat and if the resident is an Owner Occupier.
Areas where equity release is routine
- Diss
- Mildenhall
- Burgh-le-Marsh
- Helston
- Crowle
- Camborne
- Great Dunmow
- Trowbridge
- Higham Ferrers
- Bebington
- Mirfield
- Scarborough
- Peterlee
- Felixstowe
- Alford
- Calne
- Horsforth
- Ryde
- Frodsham

Interest Only Lifetime Mortgages Studio Flats Under Over 30Sq M
