
- Release cash from your house.
- Not necessary to make monthly payments
- 4.52% fixed
- Help your family to buy another home
- All areas of the UK are acceptable
- Wimpey No fines construction properties 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 just want a conventional interest-only mortgage at 3.97% regardless of your age please Click Here




Equity Release Providers
- More2Life
- Prudential
- Key Retirement


Drawbacks of Equity Release Schemes
Home reversion plans can reduce your estate value. Monthly payment lifetime mortgage may impact the ability to claim benefits. You may need to pay an advisor’s fee, and some products may expose you to changes in interest rates.
- Home Equity Loan Godiva Mortgages Ltd in 2025
- Interest Only Lifetime Mortgages Properties Valued At Less Than £100000 in 2025
- Equity Loan Age 48 UK
- Interest Only Mortgage More To Life for 2025
- RIO Remortgaging To Release Equity To Buy Another Property in 2025
- Interest Only Mortgage Ge Money Home Lending Ltd UK
- Refinance Pure Retirement UK
- Home Equity Loan Under Power Of Attorney UK
- Bad Credit Mortgages Canada Life for 2025
- Remortgage Second Homes And Buy To Let Properties Btl in 2025
- Age Restricted Properties
- Pensioner Mortgage Best Retirement Interest Only Mortgages in 2025
- Hanley Mortgages
- Retirement Mortgage Asbestos Composition Roof Tiles for 2025
- Refinance West Midlands Birmingham in 2025
- Equity Loan Metro Bank in 2025
- Remortgage Annexe Self-Contained Granny Flats UK
- Equity Loan West Yorkshire Leeds Bradford in 2025
- Pensioner Mortgage Saga for 2025
- Pensioner Mortgage Virgin Money UK
- Leeds And Holbeck Building Society
- Pensioner Mortgage Age 40 for 2025
- Refinance St James Place Bank in 2025
- Equity Loan Properties With Walls Of Cob Construction for 2025
- Home Equity Loan Iva for 2025
- Home Equity Loan For Retirement Properties for 2025
- Restrictive Covenant Overage Clawback Option Pre Emption
- Pensioner Mortgage Penrith Building Society UK
- Home Equity Loan The Mortgage Business UK
- Home Equity Loan Move House for 2025
- RIO Keystone Property Finance UK
- Retirement Mortgage Age 43 for 2025
- Bad Credit Mortgages Properties Which Are Made Up Of Multiple Titles UK
- Refinance Coutts Finance Co in 2025
- Refinance Vida Homeloans UK
- Interest Only Mortgage No Credit Check for 2025
- Pensioner Mortgage Age 46 for 2025
- Remortgage Danske Bank for 2025
- RIO In-Situ Cast Concrete Properties UK
- Refinance Shared Ownership Or Council Shared Equity for 2025
- Retirement Mortgage Manchester Building Society for 2025
- Equity Loan Holmesdale Building Society in 2025
- Interest Only Mortgage Masthaven Bank UK
- Equity Loan Properties Above Commercial Premises for 2025
- Pensioner Mortgage Leasehold Houses in 2025
- Interest Only Mortgage Dudley Building Society for 2025
- Bad Credit Mortgages Allied Irish Bank Aib UK
- Bad Credit Mortgages Wolverhampton for 2025
- Pensioner Mortgage Properties More Than Five Acres Of Land in 2025
- Refinance Properties With An Agricultural Tie UK
- Home Equity Loan External Walls Built Entirely Of Single Skin Brickwork for 2025
- Home Equity Loan Barclays UK
- Bad Credit Mortgages Together Personal Finance for 2025
- Equity Loan Britannia Co-Operative Bank in 2025
- Equity Loan Bank Of Ireland Mortgages UK
- RIO Magellan Homeloans for 2025
- Retirement Mortgage Under 50 UK
- Home Equity Loan Scottish Isles Property in 2025
- Pensioner Mortgage Greater London for 2025
- Remortgage Bad Credit Chorley Building Society UK
- Equity Loan Barnsley Building Society UK
- Properties Purchased Through A Right To Buy Scheme
- Pensioner Mortgage Bank Of Ireland for 2025
- Home Equity Loan Non-Standard Construction for 2025
- Interest Only Mortgage Under 50 for 2025
- More To Life
- Pensioner Mortgage Tyne & Wear Newcastle in 2025
- Remortgage Bad Credit Stafford Railway in 2025
- Home Equity Loan Properties With A Steel Frame Bisf UK
- Pensioner Mortgage Accord Mortgages in 2025
Towns where equity release is routine
- Thrapston
- Whitchurch
- Craven Arms
- Newcastle-under-Lyme
- Glossop
- Callington
- Wath-upon-Dearne
- Tiverton
- Woodstock
- Leyland
- Ashington
- Cromer
- Sevenoaks
- Biggleswade
- Somerton
- Hailsham
- Hendon
- Filey
- Hornsea
- Great Dunmow



Does Vida do mortgages up to 85?
Yes, Vida does mortgages up to 85 at 2.21% APR. Vida mortgages up to 85 have a loan-to-value (ltv) of 54.22%.
Does Vida offer later-life lending to those Under 55?
Yes, Vida’s later life lending Under 55 is 2.02% MER.
Does Vida do mortgages over 70?
Yes, Vida mortgages over 70 are 2.24.22% APRC.
Does Vida do mortgages over 75?
Yes, Vida mortgages over 75 are 2.01% APR.
Does Vida offer later-life lending?
Yes, Vida’s later life lending is 2.22% APRC.
What are Vida interest rates for retirement mortgages?
Vida interest rates for retirement mortgages are 1.96% APR.
Does Vida have excellent reviews for pensioner mortgages?
Yes, Vida reviews are tip-top for pensioner mortgages.
Does the Vida Rio mortgage calculator show the loan to value?
Yes, the Vida RIO mortgage calculator shows an excellent loan to a value of 74.22%.
Does a Vida retirement interest-only mortgage advisor charge a big fee?
No, Vida retirement interest-only mortgage advisors are free.
Does Vida offer mortgages over 60?
Yes, Vida mortgages over 60 are 2.17% APR.
Does Vida offer mortgages over 55?
Yes, Vida mortgages over 55 are 2.02% MER.



Does Vida Homeloans do mortgages up to 85?
Yes, Vida Homeloans offers mortgages up to 85 at 2.16% MER. These mortgages can have a loan-to-value of 64.22%.
Does Vida Homeloans do later life lending to those Under 55?
Yes, Vida Homeloans’ later life lending Under 55 is 2.01% APR.
Does Vida Homeloans offer mortgages over 70?
Yes, Vida Homeloans mortgages over 70 are 2.11% APRC.
Does Vida Homeloans offer mortgages over 75?
Yes, Vida Homeloans mortgages over 75 are 2.13% APR.
Do Vida Homeloans offer later-life lending?
Yes, Vida Homeloans’ later life lending is 2.18% APR.
What are the current Vida Homeloans rates for retirement mortgages?
Vida Homeloan’s rates for retirement mortgages are 2.14% MER.
Does Vida Homeloans have positive reviews for pensioner mortgages?
Yes, Vida Homeloan reviews are superb for pensioner mortgages.
Does the Vida Homeloans Rio mortgage calculator show the loan to value (ltv)?
Yes, the Vida Homeloans RIO mortgage calculator shows a positive loan-to-value (ltv) of 74.22%.
Does a Vida Homeloans retirement interest-only mortgage advisor charge a substantial fee?
No, Vida Homeloans retirement interest-only mortgage advisors are free.
Do Vida Homeloans offer mortgages over 60?
Yes, Vida Homeloans mortgages over 60 are 2.29% MER.
Do Vida Homeloans offer mortgages over 55?
Yes, Vida Homeloans mortgages over 55 are 2.24.22% APRC.







Pensioner Mortgage Vida Homeloans




Aviva Drawdown Lifetime Mortgages
One Family Drawdown Lifetime Mortgages
LV Drawdown Lifetime Mortgages
Interest Only Lifetime Mortgages Vida Homeloans

Examples of small business owners with home equity to release
- Manufacture of fertilizers and nitrogen compounds Normanton
- Activities of professional membership organizations Stroud
- Service activities incidental to water transportation Kettering
- Non-life reinsurance Aldershot
- Manufacture of other technical ceramic products Fareham
- Installation of industrial machinery and equipment Uppingham
- Manufacture of ready-mixed concrete Tring
- Security systems service activities Seaton
- Tax consultancy Featherstone
- Operation of arts facilities Spennymoor
- Raising of horses and other equines Penrith
- Raising of sheep and goats Millom
- Management consultancy activities other than financial management Wantage
- Unlicensed carrier Northfleet
- Manufacture of electricity distribution and control apparatus St Ives
- Mining of chemical and fertilizer minerals in Edmonton
- News agency activities Shaftesbury
- Postal activities under universal service obligation Hendon
- Botanical and zoological gardens and nature reserves activities Wokingham
- Forging, pressing, stamping and roll-forming of metal; powder metallurgy Silsden
- Manufacture of other parts and accessories for motor vehicles in Falmouth
- Manufacture of other textiles n e c Fleetwood
- Growing of tobacco Biggleswade
- Wholesale of agricultural machinery, equipment and supplies Keynsham
- Other research and experimental development on natural sciences and engineering Dovercourt
- Manufacture of pharmaceutical preparations Scunthorpe
- Raising of other animals, Wellington
- Wholesale of other machinery and equipment Stow-on-the-Wold
- Justice and Judicial Activities Hastings
- Manufacture of bodies coachwork for motor vehicles except caravans Hetton
Equity Release LTV Percentages
- 50% home reversion plans Maximum cover Equity Release
- 50% loan to value (LTV) monthly payment life time mortgage Precise
- 40% loan to value (LTV) lumpsum lifetime mortgages Foundation Home Loans
- 44.22% LTV home reversion schemes LV equity release
Equity Release LTV
The more elderly you are and the sicker you are, the more tax-free money you can release.
It’s very regular to encounter individuals looking for lump sum lifetime mortgages, monthly payment lifetime mortgages, or monthly payment equity releases. However, Lifetime Mortgages from L&G, like Royal London Equity Release, are keen to see paperwork showing your personal circumstances in the form of investment statements.
- Aviva Lifetime Mortgages
- Liverpool Victoria LV Equity Release Plans
- Pure Retirement Drawdown Plan
- Lloyds Bank Equity Release Schemes
- NatWest Equity Release Plans
- Canada Life Lifetime Mortgages
- Pure Retirement Equity Release Plans
- Lloyds Bank Equity Release Plans
- NatWest Equity Release
- Aviva Flexible Voluntary Repayment Plan
- Pure Retirement Classic Voluntary Payment Super Lite
- Lloyds Bank Equity Release Schemes
- More2Life Capital Choice Plus Plan
- Saga home reversion schemes
- Age Partnership Interest Only Lifetime Mortgage







The first and second charge lenders will want to know if the property is a Freehold house or a Leasehold flat with a share of freehold and if the resident is an Assured shorthold tenant.
Hard-to-finance home variants can include properties in construction or pre-construction, entirely tenanted properties, freehold houses and bungalows (England, Wales, Northern Ireland), leasehold properties (with the exception of flats and maisonettes), and properties with leased solar panels.
Many of the most appealing pensioner mortgage products are Lloyds Bank retirement interest-only mortgages, HSBC equity release schemes, Post Office interest-only mortgages for over-60s near London, Legal & General pensioner mortgages, and Nationwide mortgages for over-60s.
Difficult-to-mortgage property variants include timber-framed properties built before 1920, properties with spray foam insulation applied to the underside of the roof, privately developed flats, maximum four storeys with a lift, studio flats outside the M25, and basement or lower ground-floor flats without level access to private or communal garden space.
Some of the most common LTV percentages for Lloyds Bank RIO mortgages over 75, HSBC remortgages for people over 50, Halifax later life mortgages for over 70s, Legal & General pensioner mortgages over 55, Royal Bank of Scotland mortgages for people over 50, and Nationwide remortgages for people over 50 are 50%, 54.22%, and 64.22%.
Tough-to-finance home titles can include grade ll Listed houses (grade C in Scotland and B2 in Northern Ireland), properties converted from modern commercial premises, grades l and ll* Listed Buildings in England & Wales (Grades A and B in Scotland; A, B+ and B1 in Northern Ireland), 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 with mobile phone masts which are within influencing distance of the house.
Challenging to mortgage home titles include properties with a sinking fund of 7% or more of the property sale price when the property is sold, properties close to mining works, areas of landfill, areas of recent flooding or subsidence, property is uninhabitable, 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 cash can I release?
You can borrow 70% of your home’s value. For example, if your home is valued at £240,000, you can release £144,000.