
- Use the money to pay off debts with equity release under 40
- Are you still paying a mortgage? No problems
- Continue to live in your own property
- 4.91% APR Fixed
- Often used to help tax planning
- All non-standard construction properties are considered
If you don’t want a lifetime mortgage or equity release, and want a normal 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 your age please Click Here




Pensioner Mortgage Under 40


The first and second charge lenders will want to know if the property is a Freehold terraced house or a Leasehold flat and if the resident is an Owner-Occupier.
Small business owners detail likely with equity to release
- Renting and leasing of media entertainment equipment in West Bromwich
- Investigation activities Medlar-with-Wesham
- Motion picture, television and other theatrical casting activities Chard
- Manufacture of other organic basic chemicals Newton-le-Willows
- Growing of rice Selsey
- Activities of distribution holding companies Cromer
- Retail sale of antiques, including antique books in stores in South Elmsall
- Landscape service activities Northwich
- Publishing of consumer and business journals and periodicals Hessle
- Trade of electricity Barrow-in-Furness
- Operation of rail freight terminals Seaton
- Distribution of electricity Blackwater and Hawley
- Casting of steel Edgware
- Retail sale of meat and meat products in specialised stores Kirkbymoorside
- Marine aquaculture Redcar
- Disinfecting and exterminating services Frodsham
- Retail sale of tobacco products in specialised stores in Stapleford
- Performing arts Enfield
- Urban planning and landscape architectural activities Rothwell
- Manufacture of sports goods Watchet
- Manufacture of other articles of paper and paperboard n e c Farnham
- Support activities for performing arts Kirton-in-Lindsey
- Sale of new cars and light motor vehicles Worksop
- Other food services Pontefract
- Wholesale of sugar and chocolate and sugar confectionery Maldon
- Regulation of and contribution to more efficient operation of businesses Fakenham
- Security and commodity contracts dealing activities Newmarket
- Other building completion and finishing of Finchley

Equity Release Under 40 LTV Percentages
- 60% lump sum lifetime mortgages AIG Life
- 34.22% loan to value lifetime mortgage with flexible drawdown cash release Prudential Lifetime
- 34.22% loan to value (LTV) lifetime mortgage with flexible drawdown cash release Prudential
- 24.22% loan to value home reversion schemes Spring Finance
- 40% loan to value lump sum lifetime mortgages Optimum Credit
Equity Release Loan To Value
The older you are and the unhealthier you are, the more tax-free cash you can release.
Equity Release Scheme Lenders
- Bower
- New Life
- Just Retirement
- Zurich
It is usual to encounter people seeking out lump sum lifetime mortgages, monthly payment lifetime mortgages, or monthly payment equity releases. However, Legal and General, like Maximum Cover Equity Release, are keen to see proof of your personal situation in the form of bank statements.


Pitfalls of Home Reversion Plans
A monthly payment on a lifetime mortgage can reduce your family’s inheritance. Home reversion plans may impact your ability to claim benefits. You may need to pay a legal fee, and you could be exposed to changes in interest rates with some products.

Towns in the UK where retirement mortgages are routine
- Ponteland
- Crosby
- Warwick
- Snaith and Cowick
- Somerton
- Heathfield
- Bishops Waltham
- Bradford-on-Avon
- Thirsk
- Glastonbury
- Hedge End
- Darley Dale
- Aylsham
- Loftus

- Aviva Equity Release
- More 2 Life Flexi Choice Drawdown Lite Plan
- Bridgewater Equity Release
- Hodge Lifetime Mortgage Plus
- L&G Legal & General Flexible Max Scheme
- Lloyds Bank Equity Release Plans
- Royal Bank of Scotland Lifetime Mortgage
- Age Partnership Equity Release Plans
- More2Life Flexi Choice Voluntary Payment Super Lite
- L&G Legal & General Premier Flexible Lifetime Mortgage
- Nationwide Equity Release Schemes
- NatWest Lifetime Mortgage
- Just retirement equity release key features
- L&G Legal & General Flexible Max Scheme
- More 2 Life Capital Choice Plan
- HSBC Equity Release
- Lloyds Bank Lifetime Mortgage
- Royal Bank of Scotland Equity Release Plans
- Saga Lifetime Mortgage
- Aviva Lifetime Mortgages
- Canada Life Lifetime Mortgage
- L&G Legal & General Flexi Max Voluntary Repayment Plan
- Liverpool Victoria LV Equity Release Schemes
Aviva Drawdown Lifetime Mortgages
Pure Retirement Retirement Mortgages



- Interest Only Mortgage Rooftop Mortgages in 2025
- Refinance Molo Finance UK
- Remortgage Bad Credit Precast Reinforced Concrete Prc Properties for 2025
- Interest Only Lifetime Mortgages Masthaven Bank for 2025
- Refinance Mod Or Housing Association Houses And Bungalows for 2025
- Equity Loan Laing Easiform Homes in 2025
- Pensioner Mortgage Kent Reliance UK
- RIO Properties More Than Five Acres Of Land for 2025
- RIO Under 50 UK
- Property With Historic Restrictive Ties
- Pensioner Mortgage Investec Bank UK
- Interest Only Lifetime Mortgages Stonehaven UK
- Remortgage Asbestos Composition Roof Tiles in 2025
- Properties Held By Companies
- Retirement Mortgage Age 51 for 2025
- Pensioner Mortgage State Bank Of India UK
- Pensioner Mortgage Scottish Isles Property in 2025
- RIO Santander UK for 2025
- Remortgage Bad Credit In House Under 55 for 2025
- Retirement Mortgage Together Personal Finance for 2025
- Refinance Housing Association Or Social Housing UK
- Equity Loan Bank Of Ireland UK
- Remortgage Declined UK
- Refinance South Yorkshire Sheffield UK
- Interest Only Lifetime Mortgages Topaz Finance for 2025
- Refinance Typical Interest Rates for 2025
- Remortgage Asbestos Sheet for 2025
- Pensioner Mortgage Age 50 in 2025
- Properties Adjacent To Commercial Premises
- Pensioner Mortgage Age 42 for 2025
- Pensioner Mortgage In-Situ Cast Concrete Properties for 2025
- Remortgage Under 50 for 2025
- Remortgage Bad Credit First Direct UK
- RIO No Advisor Fee UK
- Pensioner Mortgage Swansea Building Society for 2025
- Refinance Melton Mowbray UK
- Refinance More Than Two Borrowers for 2025
- Equity Loan Mansfield Bs for 2025
- Remortgage St James Place Bank for 2025
- Remortgage Ulster Bank in 2025
- Bad Credit Mortgages Skipton Building Society in 2025
- Pensioner Mortgage Godiva Mortgages Ltd UK
- Home Equity Loan Properties Above Commercial Premises UK
- Home Equity Loan One Savings Bank for 2025
- Home Equity Loan Cob Construction House for 2025
- Equity Loan Isle Of Wight And Anglesey UK
- Refinance Ex ex-council property Houses And Flats in 2025
- RIO West Yorkshire Leeds Bradford in 2025
- Equity Loan Age 48 UK
- Pensioner Mortgage JP Morgan Chase Bank UK
- RIO Family Building Society in 2025
- RIO Scotland in 2025
- Pensioner Mortgage Coventry Building Society in 2025
- Pensioner Mortgage Scottish Building Society UK
- Interest Only Lifetime Mortgages No Early Repayment Charges for 2025
- RIO No Broker Fee in 2025
- Bad Credit Mortgages Royal Bank Of Scotland in 2025
- Retirement Mortgage One Family UK
- Retirement Mortgage Ex Council Properties Ex-Housing Association in 2025
- Equity Loan Wimpey No Fines Construction for 2025
- Asbestos Sheet
- Retirement Mortgage Bad Credit UK
- Refinance Magellan Home Loans UK
- Cambridge Building Society
- Equity Loan Leeds Building Society UK
- Refinance Dudley Building Society UK
- Home Equity Loan Property Is Grade 1 Listed in 2025
- RIO Retirement Apartment in 2025
- Refinance Vida Home Loans UK









Interest Only Lifetime Mortgages Under 40



Hard to finance home variants include properties in poor condition, properties where letting arrangement where the tenancy agreement is not appropriate, leasehold properties (England, Wales, Northern Ireland) subject to a lease length of 160 years, crofted houses and freehold flats (England, Wales, Northern Ireland).
Some of the most common retirement mortgage products include TSB mortgages for over-50s, Barclays mortgages for 60-year-olds, Post Office mortgages for people over 50, Legal & General interest-only mortgages for over-60s, and Nationwide retirement mortgages.
Difficult-to-mortgage property types can include Timber-framed properties constructed after 1965, properties with any external treatment applied to the roof after construction, privately developed flats, up to four storeys with a lift, coach houses, i.e. freehold properties with garages beneath, and basement or lower ground-floor flats without level access to private or communal garden space.
Popular loan-to-value percentage ratios of Lloyds Bank later life mortgages for over 60s, Barclays pensioner mortgages over 55, Halifax equity release schemes for over 55’s, Legal & General lifetime mortgages for over 55s, Royal Bank of Scotland mortgages over 70s and Nationwide mortgages over 70s are 50%, 54.22% and 70%.
Tough-to-mortgage property titles can include grade ll Listed houses (grade C in Scotland and B2 in Northern Ireland), 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 where Japanese Knot weed is present.
Tough-to-finance property variants can include properties with legal agreements such as Overage, Clawback, Option, Pre-emption, or any onerous Restrictive Covenant, properties without a kitchen or bathroom, properties where there are boundary disputes or where planning applications have not been applied for correctly, corrugated iron construction, Airey, and Parkinson Frame.
How much can I get?
You can get 64.22% of your home’s value. For example, if your home is valued at £220,000, you can release £143,000.