
- Remove money from your property.
- No regular monthly repayments
- Free valuation
- Help your family with the money you release
- Still, have some mortgage outstanding? No problems
- Often used to help tax planning
- No broker fees charged
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
Not interested in equity release? Do you just want a conventional interest-only mortgage at 3.97% regardless of your age please Click Here




Equity Release Loan To Value
The more elderly you are and the unhealthier you are, the more cash you can release.



Equity Release LTV Percentages
- 50% monthly payment lifetime mortgage The Exeter Equity Release
- 50% LTV home reversion plans Just Retirement
- 24.22% LTV monthly payment lifetime mortgage Clearly Loans
- 40% loan to value (LTV) monthly payment equity release Shawbrook
- 54.22% loan to value monthly payment equity release Key Retirement
- 44.22% loan to value monthly payment equity release New Life
- 30% loan to value home reversion schemes Masthaven
- 30% loan to value home reversion schemes Yorkshire Bank
UK Equity Release Lenders
- Key Retirement
- One Family
- Key Retirement
- Fortify Insurance Solutions
Areas where retirement mortgages are common
- Crowland
- Brading
- Poole
- Ringwood
- Rawtenstall
- Oakham
- Liskeard
- Sevenoaks
- Canvey Island
- Redcar
- Cromer
- Horley
- Stone
- Shaftesbury
- Fazeley
- Tadcaster
It’s very regular to find people seeking out monthly payment lifetime mortgages, lumpsum lifetime mortgages, or lifetime mortgages with flexible drawdown cash release. However, Legal and General, like Zurich, are keen to see paperwork showing your situation in the form of investment statements.


Pensioner Mortgage Under 45
























Downsides of Home Reversion Schemes
Interest-only lifetime mortgages can reduce the inheritance for your family. A lifetime mortgage with flexible drawdown cash release may impact entitlements to benefits. You may need to pay an advisor’s fee, and some products may expose you to changes in interest rates.

Pure Retirement Equity Release
Interest Only Lifetime Mortgages Under 45
- Pensioner Mortgage Greater Manchester for 2025
- Interest Only Mortgage Properties High Risk To Subsidence Or Movement in 2025
- Refinance Scottish Isles Property UK
- Pensioner Mortgage Properties With Roofs Of Thatch Or Timber Shingle UK
- Home Equity Loan Properties With A Steel Frame BISF UK
- Remortgage Prefabricated Concrete Houses for 2025
- Remortgage Penrith Building Society UK
- Interest Only Mortgage Age 53 UK
- Freehold Held By Local Authority
- Retirement Mortgage Santander UK
- Refinance Reliance Bank for 2025
- Remortgage Direct Lender UK
- Retirement Mortgage Refinance for 2025
- Refinance South Yorkshire Sheffield UK
- Refinance Age 50 for 2025
- Bad Credit Mortgages Tax-Free And Estate Planning for 2025
- Refinance No Broker Fee for 2025
- Remortgage Bad Credit Properties Flooded In The Past Five Years for 2025
- RIO Precast Reinforced Concrete Prc Properties in 2025
- Remortgage Stafford Railway for 2025
- Remortgage Newcastle Building Society UK
- Home Equity Loan Itl Mortgages for 2025
- Home Equity Loan Retirement Apartment for 2025
- Refinance Spray Foam Insulation UK
- Interest Only Mortgage Barclays in 2025
- Home Equity Loan Refinancing for 2025
- Remortgage Bad Credit Restrictive Covenant Overage Clawback Option Pre Emption UK
- Pensioner Mortgage Britannia Co-Operative Bank UK
- Refinance ex-council property Houses And Flats in 2025
- St James Place Bank
- Bad Credit Mortgages Swansea Building Society for 2025
- Home Equity Loan Move House for 2025
- RIO Liverpool Victoria in 2025
- Pure Retirement
- Iva
- Interest Only Mortgage Cynergy Bank UK
- Pensioner Mortgage Ipswich Building Society Mortgages UK
- Home Equity Loan Bristol for 2025
- Equity Loan Category C S Listing Scotland Listed for 2025
- Equity Loan Properties With Large Concrete Panel Construction in 2025
- Retirement Mortgage Platform for 2025
- Equity Loan The Mortgage Lender Limited for 2025
- Remortgage Age 52 in 2025
- Home Equity Loan Properties Purchased Through A Right To Buy Scheme UK
- Interest Only Mortgage TSB Bank for 2025
- Refinance Clydesdale Bank in 2025
- Pensioner Mortgage Mansfield Bs for 2025
- Flats And Maisonettes In Blocks Of More Than 10 Storeys
- Remortgage Freehold Flat in 2025
- Interest Only Mortgage Barnsley Building Society for 2025
- Equity Loan Ge Money Home Lending Ltd in 2025
- Interest Only Lifetime Mortgages Sheltered Accommodation for 2025
- Pensioner Mortgage Age 46 for 2025
- Home Equity Loan Handelsbanken UK
- Pensioner Mortgage Rooftop Mortgages for 2025
- Retirement Mortgage Studio Flats Under Over 30Sq M UK
- Refinance First Direct UK
- Equity Loan Yorkshire Bank in 2025
- RIO For Retirement Properties in 2025
- Home Equity Loan, Which UK
- Refinance Age 45 in 2025
- Retirement Mortgage Under 40 UK
- Refinance Scotland UK
- Retirement Mortgage No Advisor Fee in 2025
- Furness Building Society
- Pensioner Mortgage Habito in 2025
- Pensioner Mortgage Teachers Building Society UK
- Interest Only Lifetime Mortgages Properties That Have A Flat Roof UK
- Equity Loan Housing Association Or Social Housing for 2025


Successful business owners who could benefit from equity release tax planning
- Transport via pipeline Southgate
- Manufacture of electronic industrial process control equipment Sturminster Newton
- manufacture of household textiles Dinnington St Johns
- Raising of other cattle and buffaloes Bradley Stoke
- Manufacture of bicycles and invalid carriages Bruton
- General cleaning of buildings Much Wenlock
- Non-specialised wholesale of food, beverages and tobacco Brixham
- Video distribution activities St Austell
- Manufacture of other electronic and electric wires and cables in East Ham
- Renting and leasing of cars and light motor vehicles in Bromborough
- Growing of beverage crops Eton
- Demolition Dover
- Television programme production activities Barnet
- Manufacture of other women’s outerwear Greater Willington
- Wholesale of petroleum and petroleum products Oakham
- Manufacture of other chemical products n e c Woburn
- Financial management Ramsey
- Manufacture of wooden containers Princes Risborough
- Security and commodity contracts dealing activities Sandwich
- Manufacture of equipment for concrete crushing and screening and roadworks Chudleigh
- Activities of conference organisers Moretonhampstead
- Manufacture of oils and fats Beckenham
- Other sports activities Bude-Stratton
- Test drilling and boring Cannock
- Support activities for petroleum and natural gas extraction Malmesbury
The lender 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.
- Aviva Equity Release Schemes
- Liverpool Victoria LV= Flexible Lifetime Mortgage
- Nationwide Equity Release Plans
- Lloyds Bank Lifetime Mortgage
- Royal Bank of Scotland Equity Release
- Saga Equity Release Plans
- Age Partnership Equity Release Schemes
- Bridgewater Equity Release
- Canada Life Equity Release Plans
- Just Retirement Equity Release Schemes
- Pure Retirement Equity Release Schemes
- Lloyds Bank Equity Release Plans
- L&G Legal & General Flexible Plus Lifetime Mortgage
- Liverpool Victoria LV= Flexible Lifetime Mortgage
- More 2 Life Capital Choice Plus Plan
- HSBC Equity Release
- More to Life Flexi Choice Voluntary Payment Super Lite
- NatWest Equity Release Schemes
- Liverpool Victoria LV Equity Release Schemes
- Pure Retirement Lifetime Mortgage
- NatWest Equity Release Plans
- Royal Bank of Scotland Equity Release Schemes
Difficult to finance home variants include homes requiring essential repairs, properties where tenants live in a self-contained part of the property, leasehold properties (England, Wales, Northern Ireland) subject to a lease length of 160 years, properties made up of multiple titles, and properties with owned solar panels.
Many of the most appealing retirement finance offerings include Lloyds Bank’s later-life interest-only mortgages, HSBC’s later-life mortgages, Post Office interest-only lifetime mortgages, L&G’s interest-only lifetime mortgages, and Nationwide retirement mortgages.
Hard-to-finance property types can include Timber-framed properties constructed after 1965, properties with pre-1945 asbestos or similar composition roof tiles, properties with a minimum floor area of 30 square metres, studio flats outside the M25, and flats above or adjacent to commercial premises.
Some of the most popular loan-to-value percentage ratios for Lloyds Bank interest-only mortgages for over-60s, Barclays interest-only mortgages for over-60s near London, NatWest mortgages for 60 plus, Legal & General interest-only mortgages for people over 70, Royal Bank of Scotland mortgages for over 70s, and Nationwide over-60 mortgages are 50%, 60%, and 70%.
Challenging to mortgage property variants can include properties built or converted into dwellings within the last 10 years, properties converted from modern commercial premises, use of the land and any outbuildings for a small amount of personal commercial use, properties with flying or creeping freeholds that comprise over 14.22% of the total floor area, and properties where Japanese Knotweed is present.
Tough-to-mortgage property titles can include properties that will be assessed for flood risk, properties without a kitchen or bathroom, properties with structural problems, thatched buildings and Airey, Boot, Cornish Unit, Dorran, Dyke, Gregory, Hamish Cross, Myton, Newland, Orlit and Parkinson Frame.
How much money can I release?
You can borrow 60% of your property’s value. For example, if your house is worth £310,000, you can get £186,000.