Lifetime Mortgage Ulster Bank

Retirement Mortgage Ulster Bank

  • Remove tax-free money from your house
  • Use the money to help your family buy their first home
  • Are you still paying a mortgage? We can help with that
  • 4.9% Fixed Equity Release
  • All parts of the UK are acceptable including Northern Ireland
  • Pre-fabricated property titles are OK

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


  • 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 3.97%, regardless of age? Please Click Here

retirement mortgage

  • Free No Obligation Quote

  • Please enter a number from 10000 to 2000000.
  • About You

interest only mortgage rates

Pensioner Mortgage Ulster Bank

pensioner mortgages interest only
RIO Manchester Building Society for 2025



Does Ulster Bank offer mortgages up to 85?

Yes, Ulster Bank do mortgages up to 85 at 1.8% APR. Ulster Bank mortgages up to 85 have a loan-to-value (ltv) of 60%.

Do Ulster Bank offer later life lending to Under 55?

Yes, Ulster Bank later life lending Under 55 is 2.06% APR.

Do Ulster Bank do mortgages over 70?

Yes, Ulster Bank mortgages over 70 are 1.93% APR.

Does Ulster Bank offer mortgages over 75?

Yes, Ulster Bank mortgages over 75 are 2.04.22% APR.

Does Ulster Bank offer later-life lending?

Yes, Ulster Bank later life lending is 2.12% APRC.

What are Ulster Bank interest rates for retirement mortgages?

Ulster Bank’s interest rates for retirement mortgages are 2.03% MER.

Do Ulster Bank have favourable reviews for pensioner mortgages?

Yes, Ulster Bank reviews are tip-top for pensioner mortgages.

Does the Ulster Bank Rio mortgage calculator show the LTV?

Yes, the Ulster Bank RIO mortgage calculator shows a favourable LTV of 60%.

Does an Ulster Bank retirement interest-only mortgage advisor charge a big fee?

No, Ulster Bank retirement interest-only mortgage advisors are free.

Do Ulster Bank offer mortgages over 60?

Yes, Ulster Bank mortgages over 60 are 2.12% APRC.

Do Ulster Bank offer mortgages over 55?

Yes, Ulster Bank mortgages over 55 are 2.17% APR.

Towns of the UK where equity release is popular

  • Daventry
  • Tynemouth
  • Lyme Regis
  • Whitehill
  • Marlborough
  • Carterton
  • Bushey
  • Kempston
  • Hertford
  • Cleethorpes
  • West Bedlington
  • Bakewell
  • Biddulph
  • Burton Latimer
  • Reepham
  • Lewes

 

Drawbacks of Home Reversion Plans

Home reversion plans can reduce the value of your estate. A lifetime mortgage with flexible drawdown cash release may impact your ability to claim benefits. You may need to pay a legal fee, and with some products, you could be exposed to changes in interest rates.

The mortgage lender will want to know if the property is a Freehold terraced house or a Leasehold flat with share of freehold and if the resident is an Owner Occupier.

Business owners who could benefit from equity release tax planning

  • Manufacture of plastics and rubber machinery Rayleigh
  • Market research and public opinion polling Ashby-de-la-Zouch
  • Other service activities incidental to land transportation, n e c Whittlesey
  • Other specialist photography Tonbridge
  • manufacture of canvas goods, sacks, etc Staveley
  • Motion picture distribution activities Lechlade
  • Other retail sale not in stores, stalls or markets Medlar-with-Wesham
  • Activities of professional membership organizations Hingham
  • Manufacture of watches and clocks Gillingham
  • Activities of business and employers membership organizations Midsomer Norton
  • Manufacture of condiments and seasonings Didcot
  • Manufacture of soap and detergents West Bedlington
  • Growing of cereals except rice , leguminous crops and oil seeds Epping
  • Manufacture of corrugated paper and paperboard, sacks and bags Lytchett Minster & Upton
  • Retail sale of antiques including antique books in stores in Huntingdon
  • Motion picture, video and television programme post-production activities Camborne
  • Raising of dairy cattle Royal Tunbridge Wells
  • Manufacture of equipment for concrete crushing and screening and roadworks Potton
  • Disinfecting and exterminating services Hatherleigh
  • Repair of fabricated metal products Longridge
  • Manufacture of knitted and crocheted fabrics Southwell
  • Manufacture of macaroni, noodles, couscous and similar farinaceous products Bampton
  • Retail sale of mobile telephones Wellingborough
  • Pre-primary education Market Weighton
  • specialised design activities Rowley Regis
  • Manufacture of assembled parquet floors Wath-upon-Dearne
Home Equity Loan Precise Mortgages UK


Equity Release Loan To Value

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

Equity Release UK Lenders

  • Bower
  • Stonehaven Mortgage
  • Aviva
  • Santander

 

  • More 2 Life Flexi Choice Voluntary Payment Super Lite
  • Just Retirement Drawdown Lifetime Mortgage
  • L&G Legal & General Flexible Plus Lifetime Mortgage
  • Royal Bank of Scotland Equity Release Schemes
  • More to Life Flexi Choice Drawdown Lite Plan
  • HSBC Equity Release Plans
  • Aviva Lifetime Mortgages
  • Bridgewater Equity Release
  • Just retirement equity release lifetime mortgages
  • Liverpool Victoria LV Equity Release Schemes
  • Pure Retirement Lifetime Mortgage
  • Stonehaven Lifetime Mortgage
  • TSB Equity Release Schemes
  • Stonehaven Equity Release
  • Nationwide Equity Release Plans
  • Saga home reversion schemes
  • More 2 Life Capital Choice Plan

How much is it common to release from a home

  • 60% monthly payment equity release VitalityLife Equity Release
  • 34.22% LTV home reversion plans Pepper
  • 30% LTV lifetime mortgage with flexible drawdown cash release HSBC Direct

Aviva

Legal and General Lifetime Mortgages

Just Retirement Mortgages

Aviva Equity Release

One Family Lifetime Mortgages

LV= Lump Sum+ Lifetime Mortgage

Legal & General - Premier Flexible Black

Premier Flexible Black

Hodge Lifetime lifetime mortgage

Legal & General - Flexible Yellow

Interest Only Lifetime Mortgages Ulster Bank

LV= Flexible Lifetime Mortgage

Canada Life - Lifestyle Gold

more 2 life lifetime mortgage

More2Life - Tailored Choice Plan

It is common to discover individuals looking for home reversion plans, lump sum lifetime mortgages or monthly payment equity releases. However, Key Solutions like AIG Life are keen to see paperwork to show your situation in the form of bank statements.

Hard-to-mortgage property types can include properties currently undergoing substantial alterations, extensions or repairs, properties where the ownership is set up on a tenancy in an everyday basis, feuhold/freehold properties (including flats) in Scotland, properties that are made up of multiple titles and freehold flats (England, Wales, Northern Ireland).

Popular pensioner finance products include Lloyds RIO mortgages, Barclays mortgages for those over 60s, Post Office mortgages for those over 70s, Legal and General later life interest-only mortgages for those over 70, and Nationwide Building Society later life borrowing schemes.

Difficult-to-finance property variants include eco houses and modern methods of construction, properties with pre-1945 asbestos or similar composition roof tiles, steel frame/clad properties built before 1990, privately developed flats in blocks of two storeys without a lift, and basement or lower ground-floor flats without level access to private or communal garden space.

Some of the most common LTV ratios of TSB later life borrowing schemes over 55, Barclays Bank later life interest only mortgages over 75, NatWest mortgages over 65, Legal & General interest only lifetime mortgages for over 70s, Bank of Scotland over 60 mortgages and Nationwide lifetime mortgages for over 60s are 50%, 54.22% and 64.22%.

Tough-to-mortgage property titles include grade ll Listed houses (grade C in Scotland and B2 in Northern Ireland), properties with a single annexe or another self-contained part of the property, use of the land and any outbuildings for a small amount of personal commercial use., properties that are being used for personal commercial use 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.

Challenging to mortgage property titles include high service charges, properties with any structural defect, damp, dry or wet rot, properties with structural problems, asbestos 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 money can I borrow?

You can release 60% of your property’s value. For example, if your house is valued at £320,000, you can borrow £192,000.