Lifetime Mortgage Topaz Finance

Retirement Mortgage Topaz Finance

  • Help your family to buy a home
  • Are you still paying a mortgage? We can help with that
  • No lender fees are charged
  • 4.74% Fixed Equity Release
  • All parts of the UK are acceptable.

If you don’t want a lifetime mortgage or equity release and want a standard interest-only mortgage at 4.74%, 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 4.74%, regardless of age? Please Click Here

pensioner mortgages
retirement mortgage


Under 55
pensioner mortgage


Equity Release LTV Percentages

  • 50% lumpsum lifetime mortgages Aegon
  • 30% loan-to-value interest-only lifetime mortgages Evolution Money
  • 30% loan-to-value (LTV) home reversion plans Spring Finance

 

UK Equity Release Providers

  • the Telegraph
  • Stonehaven
  • Lifetime Mortgage from L&G
  • Zurich

Disadvantages of Home Reversion Plans

Lump-sum lifetime mortgages can reduce your estate value and may affect your entitlement to benefits. You may need to pay a valuation fee, and with some schemes, you could pay higher rates.

RIO Stonehaven for 2026


 

Areas of the UK where Lifetime Mortgages are routine

  • Watford
  • Halstead
  • Westbury
  • Framlingham
  • Braintree
  • Frinton and Walton
  • Reigate
  • Heywood
  • Weston-super-Mare
  • Silsden
  • Barking
  • Ilkeston
  • Reepham

It’s usual to find individuals seeking out home reversion plans, monthly payment lifetime mortgages, or home reversion plans. However, Key Retirement, like AIG Life, is keen to see proof of your situation in the form of investment statements.

Pensioner Mortgage Topaz Finance

LV= lifetime mortgage

Legal & General - Flexible Blue

Do Topaz Finance do mortgages up to 85?

Yes, Topaz Finance offers mortgages up to 85 at 4.74% MER. These mortgages can have a loan-to-value of 55%.

Does Topaz Finance lend later-life loans to people under 55?

Topaz Finance’s later-life lending under 55 is 4.74% APRC.

Do Topaz Finance do mortgages over 70?

Yes, Topaz Finance mortgages over 70 are 4.74% MER.

Does Topaz Finance offer mortgages over 75?

Yes, Topaz Finance mortgages over 75 are 4.74% APRC.

Does Topaz Finance offer later-life lending?

Yes, Topaz Finance’s later-life lending is 4.74% MER.

What are Topaz Finance rates for retirement mortgages?

Topaz Finance interest rates for retirement mortgages are 4.74% APRC.

Does Topaz Finance have positive reviews for pensioner mortgages?

Yes, Topaz Finance reviews are splendid for pensioner mortgages.

Does the Topaz Finance Rio mortgage calculator show the loan-to-value?

Yes, the Topaz Finance RIO mortgage calculator shows a favourable loan-to-value of 60%.

Does a Topaz Finance retirement interest-only mortgage advisor charge a hefty fee?

No, Topaz Finance retirement interest-only mortgage advisors are free.

Does Topaz Finance do mortgages over 60?

Yes, Topaz Finance mortgages over 60 are 4.74% APRC.

Does Topaz Finance do mortgages over 55?

Yes, Topaz Finance mortgages over 55 are 4.74% APR.

Hodge Lifetime - Flexible Repayment Plan - NO Early Repayment Charges

more 2 life lifetime mortgage

Does Topaz offer mortgages up to 85?

Yes, Topaz offers mortgages up to 85 at 4.85% MER. These mortgages can have a loan-to-value of 55%.

Does Topaz offer later-life lending to those under 55?

Yes, Topaz’s later-life lending under 55 is 4.74% APRC.

Does Topaz do mortgages over 70?

Yes, Topaz mortgages over 70 are 4.74% MER.

Does Topaz do mortgages over 75?

Yes, Topaz mortgages over 75 are 4.74% MER.

Does Topaz offer later-life lending?

Yes, Topaz’s later-life lending is 4.74% APR.

What are Topaz rates for retirement mortgages?

Topaz rates for retirement mortgages are 4.74% APRC.

Does Topaz have good reviews for pensioner mortgages?

Yes, Topaz reviews are commendable for pensioner mortgages.

Does the Topaz Rio mortgage calculator show the loan-to-value?

Yes, the Topaz RIO mortgage calculator shows a good loan with a 55% loan-to-value.

Does a Topaz retirement interest-only mortgage advisor charge a substantial fee?

No, Topaz retirement interest-only mortgage advisors are free.

Does Topaz offer mortgages over 60?

Yes, Topaz mortgages over 60 are 4.74% APR.

Does Topaz offer mortgages over 55?

Yes, Topaz mortgages for individuals over 55 have a 4.74% MER.

Just lifetime mortgage

Crown Equity Release

Interest Only Lifetime Mortgages Topaz Finance

Legal and General Retirement Mortgages

Crown Equity Release

Just

The first and second charge lenders will want to know if the property is a Freehold terraced house or a Leasehold flat with a share of freehold, and if the resident is an Owner-Occupier Primary Residence.

Equity Release LTV

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

Small business owners are likely to be released from their homes with equity.

  • Repair and maintenance of ships and boats Kidsgrove
  • Development of building projects in Shanklin
  • Primary education in Newark-on-Trent
  • Other retail sales in non-specialised stores Southwell
  • Retail sale of hardware, paints and glass in specialised stores in Abingdon-on-Thames
  • Repair of machinery Settle
  • Gambling and betting activities Eccleshall
  • Wholesale of dairy products, eggs and edible oils and fats Preesall
  • Retail of furniture, lighting, and similar not musical instruments or scores in a specialised store in Westhoughton
  • Mining of uranium and thorium ores in Hitchin
  • Test drilling and boring Brading
  • Translation and interpretation activities East Cowes
  • Manufacture of computers and peripheral equipment Cranbrook
  • Manufacture of ready-mixed concrete in Cirencester
  • Manufacture of explosives Thorpe St Andrew
  • Wholesale of audio tapes, records, CDs and video tapes and the equipment on which these are played, Newlyn
  • Manufacture of glass fibres Newhaven
  • Manufacture of photographic and cinematographic equipment in Bridport
  • Glazing Thame
  • Wholesale of other fuels and related products, Uttoxeter
  • Manufacture of homogenised food preparations and dietetic food in Epsom and Ewell
  • Trade of electricity in Watlington
  • Manufacture of synthetic rubber in primary forms, Penrith
  • Renting and leasing of freight water transport equipment in St Helens
  • Demolition Broadstairs and St Peters
  • Ready-made interactive leisure and entertainment software development in West Malling
  • Retail sale of clothing in specialised stores, Spalding

 

  • Aviva Lifestyle Flexible Option
  • More 2 Life Flexi Choice Drawdown Lite Plan
  • Canada Life Equity Release Plans
  • Hodge Lifetime Flexible Voluntary Repayment Plan
  • Lloyds Bank Equity Release Plans
  • Royal Bank of Scotland Equity Release
  • Stonehaven Equity Release Plan
  • HSBC Equity Release
  • Lloyds Bank Equity Release Plans
  • Aviva Equity Release Plans
  • Stonehaven Equity Release Scheme
  • Bridgewater Equity Release Schemes
  • Hodge Lifetime Mortgage Flexible Drawdown Plan
  • L&G Legal & General Flexible Max Plus
  • HSBC Lifetime Mortgage
  • Lloyds Bank Lifetime Mortgage
  • More 2 Life Flexi Choice Voluntary Payment Super Lite
  • Age Partnership Interest-Only Lifetime Mortgage

RIO NatWest UK



Hard-to-mortgage home types can include properties in the course of construction or pre-construction, age-restricted properties, freehold houses and bungalows (England, Wales, Northern Ireland), leasehold properties (except flats and maisonettes), and properties with owned solar panels.

Many of the most appealing pensioner mortgage products include TSB over-60 mortgages, HSBC interest-only mortgages for over-65-year-olds, Post Office mortgages for over-70s, Legal & General interest-only retirement mortgages for over-70s, and Nationwide BS interest-only retirement mortgages for over-70s.

Hard-to-mortgage home variants can include pre-fabricated reinforced concrete (PRC), properties with any external treatment applied to the roof after construction, properties constructed or converted within the past 10 years, freehold/feuhold flats (Scotland only) and flats above or adjacent to commercial premises.

Popular LTV ratios of TSB retirement mortgages over 60, Barclays Bank over 60-lifetime mortgages no fees, NatWest RIO mortgages over 75, Legal and General interest-only mortgages for people over 60, RBS lifetime mortgages for over 55s and Nationwide mortgages for pensioners over 60, are 4.78%, 55% and 70%.

Tough-to-mortgage 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 everyday domestic use, properties with the room(s) or outbuilding(s) used for a small amount of personal, commercial use, properties with a small number of solar panels or a wind turbine on the land for domestic use, properties that have solar farms or a large number of wind turbines on the land and properties which have been built on a previously contaminated land are acceptable provided the result of an environmental search determines the land to be clear of contamination.

Tough to mortgage home variants include high service charges, properties with any structural defect, damp, dry or wet rot, derelict property or where part of the building is in severe disrepair and needs demolishing, corrugated iron construction and Reema Hollow panel, Schindler and Hawksley SGS, Stent, Stonecrete, Stour, Tarran, Underdown, Unity and Butterley, Waller, Wates, Wessex, Winget and Woolaway.

How much cash can I release?

You can release 60% of your home’s value. For example, if your house is worth £330,000, you can release £231,000.