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
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:*

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.

Interest Only Lifetime Mortgages Which

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.

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.

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