Lifetime Mortgage Which

Retirement Mortgage Which

  • Remove tax-free money from your property
  • No regular monthly repayments
  • Continue to live in your own house
  • Often used to manage inheritance tax bills
  • No broker fee

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

  • Please enter a number from 6000 to 2000000.
  • About You

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

retirement mortgages
retirement mortgages interest only

  • Free No Obligation Quote

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

interest only lifetime mortgage
lifetime mortgage
interest only mortgage rates

Wealthy business owners who could benefit from equity release estate planning

  • Growing of cereals except rice , leguminous crops and oil seeds Southwell
  • Cargo handling for air transport activities Princes Risborough
  • Recovery of sorted materials Wivenhoe
  • Casting of iron Westhoughton
  • Radio broadcasting Hatherleigh
  • Cold drawing of wire Hawkinge
  • Manufacture of other electronic and electric wires and cables Paignton
  • Extraction of salt Macclesfield
  • Manufacture of motorcycles Wareham
  • Manufacture of non-electronic measuring, testing etc equipment, not for industrial process control Bodmin
  • Maintenance and repair of motor vehicles Wath-upon-Dearne
  • Manufacture of coke oven products Wolverton and Greenleys
  • Activities of extraterritorial organizations and bodies Stalybridge
  • Silviculture and other forestry activities Torpoint
  • Painting Bridgnorth
  • Retail sale of antiques including antique books in stores Lymington
  • Retail sale of watches and jewellery in specialised stores Cleethorpes
  • Video production activities Tow Law
  • Retail sale of carpets, rugs, wall and floor coverings in specialised stores Crowland
  • Mining of chemical and fertilizer minerals South Woodham Ferrers
  • Retail sale of automotive fuel in specialised stores Thorne
  • Hunting, trapping and related service activities Cheltenham
  • Other passenger land transport Oswestry
  • Other software publishing Warrington
  • Operation of warehousing and storage facilities for land transport activities Alcester


Equity Release LTV Percentages

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

More2Life Equity Release


Pensioner Mortgage Which

One Family Lifetime Mortgages

Legal and General Equity Release

LV Retirement Mortgages


  • Aviva Lifetime Mortgage
  • More 2 Life Capital Choice Plus Plan
  • Stonehaven Interest Select Plan
  • Age Partnership Lifetime Mortgage
  • Aviva Lifetime Mortgages
  • Pure Retirement Lifetime Mortgage
  • TSB Lifetime Mortgage
  • Saga Equity Release Schemes
  • Aviva Equity Release Schemes
  • Canada Life Equity Release
  • Just Retirement Equity Release Plans
  • Liverpool Victoria LV= Lump Sum Plus Lifetime Mortgage
  • Royal Bank of Scotland Equity Release
  • Hodge Lifetime Mortgage Plus
  • L&G Legal & General Flexible Max Scheme
  • More2Life Flexi Choice Drawdown Lite Plan
  • HSBC Lifetime Mortgage
  • Lloyds Bank Lifetime Mortgage
  • TSB Equity Release Schemes
  • Age Partnership Lifetime Mortgage


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

Towns where equity release is popular

  • Hemel Hempstead
  • Sandiacre
  • Stroud
  • Thorpe St Andrew
  • Littlehampton
  • Abingdon-on-Thames
  • Batley
  • Braunstone Town
  • Nuneaton
  • Newhaven
  • Carterton
  • Battle
  • Woodbridge
  • Braintree
  • Daventry
  • Rothbury
  • St Columb Major


Disadvantages of Lifetime Mortgages

Monthly payment life time mortgage can reduce the value of your estate. Home reversion schemes may impact entitlements to state benefits. You may need to pay a legal fee and you could be exposed to changes in interest rates with some products.

Legal & General Home Finance lifetime mortgage

Interest Only Lifetime Mortgages Which

More2Life - Flexi Choice Lite

Aviva lifetime mortgage

Canada Life - Lifestyle Gold

Do Which do mortgages up to 85?

Yes, Which does mortgages up to 85 at 2.07% APR. Which mortgages up to 85 have a loan to value (ltv) of 65%.

Do Which do later life lending to Under 55?

Yes, Which later life lending Under 55 is 2.25% APR.

Does Which do mortgages over 70?

Yes, Which mortgages over 70 are 1.97% APR.

Does Which do mortgages over 75?

Yes, Which mortgages over 75 are 2.24% APR.

Does Which do later life lending?

Yes, Which later life lending is 1.83% APRC.

What are the current Which rates for retirement mortgages?

Which interest rates for retirement mortgages are 2% MER.

Does Which have excellent reviews for pensioner mortgages?

Yes, Which reviews are commendable for pensioner mortgages.

Does the Which rio mortgage calculator show the loan to value (ltv)?

Yes, the Which RIO mortgage calculator shows a excellent loan to value (ltv) of 70%.

Does a Which retirement interest only mortgage advisor charge a large fee?

No, Which retirement interest only mortgage advisors are free.

Do Which do mortgages over 60?

Yes, Which mortgages over 60 are 2.1% APRC.

Do Which do mortgages over 55?

Yes, Which mortgages over 55 are 2% APR.

Canada Life Home Finance lifetime mortgage for properties in Scotland

Canada Life - Lifestyle Lite

Equity Loan Aldermore Bank in 2023

Refinance Landbay UK

UK Equity Release Scheme Providers

  • Bower
  • Norwich Union
  • Lifetime Mortgage from L&G

It’s common to encounter people seeking out monthly payment equity release, monthly payment lifetime mortgage or lifetime mortgage with flexible drawdown cash release, however, Lifetime Mortgage from L&G like AIG Life are keen to see proof of your circumstances in the form of investment statements.

Equity Release Loan To Value

  • 55% home reversion plans Royal London Equity Release
  • 45% loan to value (LTV) interest-only lifetime mortgages Pepper
  • 45% LTV monthly payment lifetime mortgage Optimum Credit


Hard to mortgage home variants include properties currently undergoing substantial alterations, extensions or 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, crofted houses and properties with leased solar panels.

Some of the most popular pensioner loan products include TSB mortgages over 65, HSBC mortgages for over 70s, Halifax mortgages for over 65, Legal & General pensioner mortgages and Nationwide Building Society interest only lifetime mortgages.

Difficult to finance home variants include Timber-framed properties constructed post 1965, timber framed properties built between 1920 and 1965, properties constructed or converted within the past 10 years, privately developed flats in blocks of five storeys or more and flats above or adjacent to commercial premises.

Some of the most common LTV ratios of Lloyds retirement mortgages over 60, HSBC interest only mortgages for over 70s, Halifax interest only mortgages for over 60s near London, Legal and General over 60 lifetime mortgages no fees, Bank of Scotland mortgages for 60 year olds and Nationwide BS retirement interest only mortgages over 75 are 45%, 55% and 65%.

Tough to finance property titles include flats of less than 30 square metres in any location, properties with a large number/scale of outbuildings, 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 property variants include properties built on contaminated land, high service charges – properties where the Service Charge per annum at the time of application is more than 2% of the property value, properties of non-standard construction, thatched buildings and concrete frame.