Retirement Mortgage The Mortgage Lender Limited

Use the money to buy another house
Still have a mortgage? We can help with that
Continue to live in your own house
All UK Postcodes areas are acceptable
Properties near power lines, mobile masts, wind turbines and substations are acceptable

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:*

Drawbacks of Lifetime Mortgages

Home reversion plans can reduce your estate value. Monthly payment lifetime mortgage may impact entitlements to state benefits. You may need to pay an advisor’s fee and some products expose you to changes in interest rates.

More 2 Life Tailored Choice Plan
More2Life Flexi Choice Drawdown Lite Plan
Nationwide Equity Release Schemes
More to Life Tailored Choice Plan
Age Partnership Lifetime Mortgage
Canada Life Landlord Voluntary Select Plan
Hodge Equity Release Schemes
Just retirement equity release lifetime mortgages
Liverpool Victoria LV= Flexible Lifetime Mortgage
More to Life Capital Choice Plus Plan
Royal Bank of Scotland Interest Only Lifetime Mortgage
Saga Equity Release Schemes
Aviva Equity Release Plans
NatWest Equity Release Schemes
Aviva Lifetime Mortgages
Bridgewater Equity Release Plans
Liverpool Victoria LV= Lump Sum Plus Lifetime Mortgage
Nationwide Interest Only Lifetime Mortgage
Lloyds Bank Equity Release
Saga Equity Release Schemes

Equity release is common among small business owners like below

Processing and preserving of fish, crustaceans and molluscs Lymington
Other transportation support activities St Just-in-Penwith
Other manufacturing n e c Bury St Edmunds
Social work activities without accommodation for the elderly and disabled Morecambe
Manufacture of assembled parquet floors Blackburn
Cargo handling for air transport activities Aldershot
Manufacture of hollow glass Cullompton
Artistic creation Grays
Investigation activities Coleford
Agents involved in the sale of food, beverages and tobacco Sandiacre
Urban and suburban passenger railway transportation by underground, metro and similar systems Buckingham
Support activities for crop production Stony Stratford
Manufacture of brooms and brushes Radstock
Activities of other holding companies n e c Cleckheaton
Wholesale of meat and meat products Bedworth
Wired telecommunications activities Plympton
Aluminium production Sprowston
Operation of warehousing and storage facilities for water transport activities West Tilbury
Deep coal mines Attleborough
Manufacture of wallpaper Slough
General medical practice activities Tipton
Manufacture of electrical and electronic equipment for motor vehicles and their engines Ottery St Mary

Pensioner Mortgage The Mortgage Lender Limited

Difficult to mortgage property variants include homes requiring essential repairs, entirely tenanted properties, leasehold properties (England, Wales, Northern Ireland) subject to a lease length of 160 years, leasehold properties (with the exception of flats and maisonettes) and properties with leased solar panels.

Common pensioner loan products include Lloyds interest only mortgages for over 65 year olds, Barclays interest only mortgages for people over 60, NatWest mortgages over 65, Legal & General interest only mortgages for over 60s near London and Nationwide Building Society mortgages for over 65.

Hard to finance home types can include difficult roof structures, properties with any externally applied insulation to the walls after construction, properties with minimum floor area of 30 square metres, coach houses i.e. freehold properties with garages beneath and freehold flats (England, Wales, Northern Ireland).

Popular loan to values of TSB later life borrowing schemes over 55, HSBC RIO mortgages over 75, Halifax interest only mortgages for over 65 year olds, Legal and General mortgages for over 65, Royal Bank of Scotland remortgages for people over 50 years old and Nationwide BS mortgages for over 60s are 50%, 54.22% and 64.22%.

Challenging to finance home titles can include properties built or converted into dwellings within the last 10 years , properties with a large number/scale of outbuildings, grades l and ll* Listed Buildings in England & Wales (Grades A and B in Scotland; A, B+ and B1 in Northern Ireland), 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 with mobile phone masts which are within influencing distance of the house.

Tough to mortgage property variants can include properties will be assessed for flood risk, properties without a kitchen or bathroom, properties where there are boundary disputes or where planning applications have not been applied for correctly, asbestos construction and Reema Hollow panel, Schindler and Hawksley SGS, Stent, Stonecrete, Stour, Tarran, Underdown, Unity and Butterley, Waller, Wates, Wessex, Winget and Woolaway.

Loan to value for equity release?

You can release 70% of your property’s valuation. As an example, if your home is valued at £320,000 you can release £224,000.

Canada LIfe - Interest Select Gold Flexi

Just Retirement - Roll-Up Lifetime Mortgage

Pensioner Mortgage The Mortgage Works in 2025

Equity Loan Remote Rural And Agricultural Properties UK

Interest Only Lifetime Mortgages Age 44 for 2025

Interest Only Lifetime Mortgages Nationwide for 2025

Refinance Chorley Building Society in 2025

Remortgage Newcastle Building Society UK

Towns where Lifetime Mortgages are routine

Cowes
Dovercourt
St Mawes
St Mawes
Henley-on-Thames
Yarm
Hinckley
Tadcaster
Minehead
Ashbourne
Portishead and North Weston
Epping
Eye
Staveley
Chipping Sodbury
Aylsham
Hadleigh
Leyburn
Hunstanton

How much is it common to release from a home

The more aged you are and the more serious your illnesses you are the more cash you can release.

Legal and General Retirement Mortgages

One Family

Interest Only Lifetime Mortgages The Mortgage Lender Limited

LV Retirement Mortgages

Crown Lifetime Mortgages

Hodge Lifetime Equity Release

One Family Mortgages

LV Drawdown Lifetime Mortgages

Pensioner Mortgage Leasehold Houses in 2025

It’s common to find people searching for lump sum lifetime mortgages, lump sum life time mortgages or home reversion plans, however, Aviva like Old Mutual Wealth are keen to see evidence of your personal situation in the form of bank statements.

Equity Release Loan To Value

50% lump sum lifetime mortgages Maximum cover Equity Release
54.22% loan to value lumpsum lifetime mortgages Key Retirement
40% loan to value monthly payment equity release Shawbrook
24.22% LTV home reversion schemes Hinckley and Rugby Building Society

The 1st and 2nd charge lender will want to know if the property is a Semi detached freehold house or a Leasehold flat and if the resident is an Assured shorthold tenancy tenant.

Equity Release Scheme Providers

Bower
Stepchange
Key Retirement

Home Equity Loan State Bank Of India Uk UK

Bad Credit Mortgages Liverpool Victoria for 2025

Home Equity Loan Mansfield Building Society Interest Rates for 2025

Bad Credit Mortgages Wolverhampton for 2025

Equity Loan Typical Interest Rates for 2025

Does The Mortgage Lender do mortgages up to 85?

Yes, The Mortgage Lender does mortgages up to 85 at 1.86% APRC. The Mortgage Lender mortgages up to 85 have a LTV of 54.22%.

Do The Mortgage Lender do later life lending to Under 55?

Yes, The Mortgage Lender later life lending Under 55 is 2.04.22% MER.

Does The Mortgage Lender offer mortgages over 70?

Yes, The Mortgage Lender mortgages over 70 are 2.12% MER.

Do The Mortgage Lender offer mortgages over 75?

Yes, The Mortgage Lender mortgages over 75 are 1.9% APRC.

Does The Mortgage Lender do later life lending?

Yes, The Mortgage Lender later life lending is 2.04.22% APR.

What are The Mortgage Lender interest rates for retirement mortgages?

The Mortgage Lender rates for retirement mortgages are 2.06% APRC.

Do The Mortgage Lender have favourable reviews for pensioner mortgages?

Yes, The Mortgage Lender reviews are superb for pensioner mortgages.

Does the The Mortgage Lender rio mortgage calculator show the LTV?

Yes, the The Mortgage Lender RIO mortgage calculator shows a favourable LTV of 54.22%.

Does a The Mortgage Lender retirement interest only mortgage advisor charge a substantial fee?

No, The Mortgage Lender retirement interest only mortgage advisors are free.

Does The Mortgage Lender do mortgages over 60?

Yes, The Mortgage Lender mortgages over 60 are 2.29% APRC.

Does The Mortgage Lender do mortgages over 55?

Yes, The Mortgage Lender mortgages over 55 are 2.16% APRC.

Today's Date: 22 March 2025

Published on: 12 June 2020

Last Updated on: 9 January 2025

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