Remove tax-free cash from your property
Not necessary to make regular monthly payments
Use the money to help your family buy their first home
Still, have a few more mortgages payments to make? We can help with that
Continue to stay in your home for as long as you like
All UK Postcodes areas are acceptable

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

Free No Obligation Quote
Release equity from:*
How Much Would You Like Release/Borrow?*
Please enter a number from 6000 to 2000000.
Estimated Value Of Your Home?*
Total amount of mortgage/loans you have on your home
About You
Please tell us about your self and what you want
Name*
First Last
Date of Birth*
Your Email Address:*
Phone Number*
First Line Of Your Address:*
Your Postcode:*

Not interested in equity release? Do you just want a conventional interest-only mortgage at 3.97% regardless of your age please Click Here

Free No Obligation Quote
Release equity from:*
How Much Would You Like Release?*
Please enter a number from 10000 to 2000000.
Estimated Value Of Your Home?*
Total amount of mortgage/loans you have on your home
About You
Please tell us about your self and what you want
Name*
First Last
Date of Birth*
Contact Phone Number:*
Your Email Address:*
First Line Of Your Address:*
Your Postcode:*

UK Equity Release Lenders

the Telegraph
Step Change
Key Retirement

Examples of small business owners with home equity to release

Retail sale of hardware, paints and glass in specialised stores Hessle
Unlicensed carrier Burford
Activities of construction holding companies Leiston
Manufacture of non-electronic measuring, testing etc equipment, not for industrial process control Wigton
Operation of rail passenger facilities at railway stations Bacup
Wholesale of petroleum and petroleum products Windsor
Manufacture of other wearing apparel and accessories n e c Craven Arms
Renting and leasing of freight air transport equipment Penwortham
Post-secondary non-tertiary education Swanage
Freight transport by road Kenilworth
Manufacture of starches and starch products Hebden Royd
Manufacture of beer Wellingborough
Manufacture of other technical ceramic products Carnforth
Motion picture production activities Modbury
Wholesale of live animals Crowland
Hotels and similar accommodation Finchley
Urban planning and landscape architectural activities Knutsford
Video production activities Ponteland
Manufacture of men’s underwear New Alresford
Manufacture of central heating radiators and boilers Ware
Manufacture of breakfast cereals and cereals-based food Chesterfield
Other activities auxiliary to insurance and pension funding Cleator Moor
Wholesale of perfume and cosmetics Alford
Recreational vehicle parks, trailer parks and camping grounds Thetford
Retail sale of carpets, rugs, wall and floor coverings in specialised stores Cramlington
Support activities for other mining and quarrying Gosport

It’s often found to find people seeking out home reversion schemes, lump sum life time mortgages or lifetime mortgage with flexible drawdown cash release, however, Key Retirement like LV Liverpool Victoria are keen to see proof of your personal circumstances in the form of investment statements.

Equity Release Loan To Value

50% lifetime mortgage with flexible drawdown cash release Legal & General
45% loan to value interest-only lifetime mortgages Optimum Credit
55% loan to value monthly payment equity release Key Retirement
30% LTV monthly payment life time mortgage Shawbrook
35% loan to value monthly payment life time mortgage Shawbrook

L&G Legal & General Flexible Plus Lifetime Mortgage
HSBC Equity Release
More to Life Capital Choice Plus Plan
Canada Life Equity Release
Just Retirement Equity Release Schemes
Nationwide Equity Release Plans
L&G Legal & General Flexi Max Voluntary Repayment Plan
HSBC Equity Release Schemes
Canada Life Voluntary Select Gold Flexi
Nationwide Equity Release
NatWest Lifetime Mortgage
Saga Lifetime Mortgage
More 2 Life Tailored Choice Plan

Pensioner Mortgage West Yorkshire Leeds Bradford

One Family Equity Release

More2Life Mortgages

One Family Retirement Mortgages

Interest Only Lifetime Mortgages West Yorkshire Leeds Bradford

Areas in the UK where retirement mortgages are routine

Beverley
Maldon
Rayleigh
Liskeard
Stourbridge
Maldon
Ross-on-Wye
Royston
Wood Green
Biggleswade
Huddersfield
Edmonton
Heathfield
Ambleside
Axbridge
Heanor and Loscoe
Bicester

Disadvantages of Lifetime Mortgages

Monthly payment equity release can reduce your estate value. Lifetime mortgage with flexible drawdown cash release may impact entitlements to benefits. You may need to pay a valuation fee and you could be exposed to changes in interest rates with some products.

Equity Release LTV Percentages

The older you are and the the more illnesses you have you are the more cash you can release.

The lender will want to know if the property is a Semi detached freehold house or a Leasehold flat with share of freehold and if the resident is an Private Tenant.

Hard to mortgage property variants include properties in the course of construction or pre-construction, age restricted properties, right to buy – properties in England, Wales and Northern Ireland, properties where the customer is offering only part of the title as security for the loan and properties with single skin brickwork .

Some of the most common retirement mortgage products are Lloyds over 60 lifetime mortgages, Barclays later life interest only mortgages over 70, Post Office interest only mortgages for people over 70, L&G mortgages over 65 and Nationwide retirement interest only mortgages.

Hard to mortgage home variants can include Timber-framed properties constructed post 1965, properties with any externally applied insulation to the walls after construction, properties with minimum floor area of 30 square metres, coach houses i.e. freehold properties with garages beneath and properties where the flat is accessed via a deck or balcony.

Popular LTV percentages of Lloyds interest only lifetime mortgages for over 60s, HSBC mortgages over 65, Post Office retirement interest only mortgages over 60, Legal and General later life interest only mortgages over 75, RBS interest only mortgages for over 65 year olds and Nationwide interest only mortgages for over 60s near London are 50%, 55% and 65%.

Challenging 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 room(s) or outbuilding(s) used for a small amount of personal commercial use, properties without direct access to an adopted highway or which are accessed over an unmade road, properties with mobile phone masts which are not within influencing distance of the house and properties adversely affected by existing or proposed issues including roads, rail, airports, power plants, power lines/pylons, wind turbines, sub stations, sewage works, quarries, fuel stations, refuse sites, sports grounds, noise, light or environmental pollution.

Challenging to finance home variants include properties with legal agreements such as Overage, Clawback, Option, Pre-emption, or any onerous Restrictive Covenant, properties with any kind of structural defect, damp, dry or wet rot, property is uninhabitable, mundic homes and concrete panel houses.

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