
- Help your family to buy a home
- Are you still paying a mortgage? We can help with that
- No lender fees are charged
- 4.9% 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 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





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
Lumpsum lifetime mortgages can reduce your estate value and may impact your entitlements to benefits. You may need to pay a valuation fee, and with some schemes, you could pay higher rates.








- Interest Only Lifetime Mortgages Tax-Free And Estate Planning in 2025
- Refinance Asbestos Sheet for 2025
- Pensioner Mortgage Properties Involved In Commercial Farming in 2025
- RIO Darlington Building Society UK
- Remortgage Under 50 UK
- Refinance Stonehaven for 2025
- Equity Loan Remortgaging To Release Equity To Buy Another Property in 2025
- Retirement Mortgage Move House in 2025
- Equity Loan Masthaven Bank UK
- Remortgage No Credit Check UK
- Remortgage Ahli United Bank for 2025
- Interest Only Mortgage Liverpool Victoria in 2025
- Refinance Virgin Money for 2025
- Equity Loan Properties With Roofs Of Thatch Or Timber Shingle for 2025
- Refinance Kensington Mortgage Company UK
- Refinance Landbay UK
- Properties High Risk To Subsidence Or Movement
- Remortgage Age 49 in 2025
- Retirement Mortgage Hanley Economic Building Society for 2025
- Interest Only Lifetime Mortgages Declined for 2025
- RIO Cynergy Bank UK
- Remortgage Refinancing in 2025
- Retirement Mortgage Lendinvest for 2025
- Interest Only Mortgage Age 45 UK
- Refinance Mod Or Housing Association Houses And Bungalows for 2025
- Pensioner Mortgage Age 47 in 2025
- Home Equity Loan Properties With Walls Of Cob Construction UK
- Pensioner Mortgage Danske Bank UK
- Remortgage Bad Credit Age 46 in 2025
- RIO Greater London for 2025
- Home Equity Loan Sheltered Accommodation UK
- Remortgage Bad Credit Aldermore Bank UK
- Interest Only Mortgage Annexe Homes UK
- Retirement Mortgage Saffron Building Society Mortgages for 2025
- RIO Leasehold Houses for 2025
- Remortgage Bad Credit For 50-Year-Olds UK
- Home Equity Loan Barclays UK
- Home Equity Loan Retirement Advantage UK
- Interest Only Mortgage Properties With Large Concrete Panel Construction for 2025
- Allied Irish Bank Aib
- RIO Skipton Building Society in 2025
- Retirement Mortgage Bank Of Ireland Mortgages for 2025
- Remortgage Cambridge Building Society UK
- Equity Loan Nedbank Private Wealth in 2025
- Leek United Society
- Remortgage Bad Credit Under Power Of Attorney in 2025
- Remortgage National Counties Building Society Bs UK
- Interest Only Mortgage Mortgage Express UK
- Bad Credit Mortgages Property With Historic Restrictive Ties in 2025
- Interest Only Mortgage Greater Manchester UK
- Equity Loan Coventry Building Society for 2025
- Pensioner Mortgage Intelligent Finance in 2025
- Equity Loan Property With Lodgers Tenancy Agreement in 2025
- RIO Legal And General for 2025
- Equity Loan Properties Flooded In The Past Five Years in 2025
- Refinance, Which for 2025
- Home Equity Loan HSBC UK
- Refinance Properties That Have A Flat Roof UK
- Pensioner Mortgage More To Life for 2025
- Home Equity Loan Pre-Fabricated Properties UK
- Interest Only Mortgage Age 44 in 2025
- Corrugated Iron Roofs Property-Iron
- Pensioner Mortgage Bristol UK
- Refinance Teachers Building Society in 2025
- RIO Melton Mowbray UK
- Equity Loan Category C S Listing Scotland Listed for 2025
- Equity Loan West Yorkshire Leeds Bradford in 2025
- Equity Loan Spray Foam Insulation UK
- Pensioner Mortgage For Tenants In Common UK
- RIO In-Situ Cast Concrete Properties UK
- Refinance Loughborough Society for 2025
- Home Equity Loan Mansfield Bs in 2025
- Home Equity Loan Precast Reinforced Concrete Prc Properties in 2025
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


Do Topaz Finance do mortgages up to 85?
Yes, Topaz Finance offers mortgages up to 85 at 1.84.22% MER. These mortgages can have a loan-to-value of 54.22%.
Does Topaz Finance lend later-life loans to people under 55?
Topaz Finance’s later life lending Under 55 is 2.1% APRC.
Do Topaz Finance do mortgages over 70?
Yes, Topaz Finance mortgages over 70 are 2.1% MER.
Does Topaz Finance offer mortgages over 75?
Yes, Topaz Finance mortgages over 75 are 1.87% APRC.
Does Topaz Finance offer later-life lending?
Yes, Topaz Finance’s later-life lending is 2.04.22% MER.
What are Topaz Finance rates for retirement mortgages?
Topaz Finance interest rates for retirement mortgages are 2.1% 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 with a value of 60%.
Does a Topaz Finance retirement interest-only mortgage advisor charge a big 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 2% APRC.
Does Topaz Finance do mortgages over 55?
Yes, Topaz Finance mortgages over 55 are 2.11% APR.


Does Topaz offer mortgages up to 85?
Yes, Topaz offers mortgages up to 85 at 2.19% MER. These mortgages can have a loan-to-value of 54.22%.
Does Topaz offer later-life lending to those Under 55?
Yes, Topaz’s later life lending Under 55 is 1.91% APRC.
Does Topaz do mortgages over 70?
Yes, Topaz mortgages over 70 are 1.89% MER.
Does Topaz do mortgages over 75?
Yes, Topaz mortgages over 75 are 1.86% MER.
Does Topaz offer later-life lending?
Yes, Topaz’s later life lending is 2.03% APR.
What are Topaz rates for retirement mortgages?
Topaz rates for retirement mortgages are 2.09% 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 value of 54.22%.
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 2.29% APR.
Does Topaz offer mortgages over 55?
Yes, Topaz mortgages over 55 are 2.27% MER.

Interest Only Lifetime Mortgages Topaz Finance
Legal and General Retirement Mortgages
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 you are, the more tax-free cash you can release.
Small business owners are likely with equity to be released from their homes.
- Repair and maintenance of ships and boats Kidsgrove
- Development of building projects Shanklin
- Primary education Newark-on-Trent
- Other retail sale 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 specialised store in Westhoughton
- Mining of uranium and thorium ores Hitchin
- Test drilling and boring Brading
- Translation and interpretation activities East Cowes
- Manufacture of computers and peripheral equipment Cranbrook
- Manufacture of ready-mixed concrete 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 homogenized food preparations and dietetic food Epsom and Ewell
- Trade of electricity Watlington
- Manufacture of synthetic rubber in primary forms Penrith
- Renting and leasing of freight water transport equipment St Helens
- Demolition Broadstairs and St Peters
- Ready-made interactive leisure and entertainment software development 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









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 (with the exception of 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 34.22%, 54.22% 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 normal 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.