Remove tax-free cash from your home
You don’t need to make regular monthly payments
Help your family to buy a house
Stay living in your own property

How much money can I get?

You can borrow 60% of your property’s valuation. As an example, if your house is valued at £210000 you can get £126000.

Free No Obligation Quote
How Much Would You Like Borrow/Release?*
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Your Requirements
How Much Money Would You To Like Raise?*
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Type of Finance*
- Equity Release
- Lifetime Mortgage
- Retirement Interest Only Mortgage
- Not Sure
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How much is it common to release from a home

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

Areas of the UK where equity release is popular

Cranbrook
Hatfield
Budleigh Salterton
Nailsworth
Lewes
Axminster
Nailsea
Colburn
Brampton
Keighley
Much Wenlock
Thame
Glossop
Buckingham
Malvern
Heanor and Loscoe
Christchurch
Brentford

Equity Release LTV Percentages

50% monthly payment life time mortgage Royal London Equity Release
25% loan to value monthly payment lifetime mortgage Platform Mainstream
60% loan to value monthly payment lifetime mortgage Key Retirement
30% loan to value (LTV) home reversion plans Clearly Loans
30% loan to value monthly payment lifetime mortgage Prestige

Crown Equity Release
Release Equity In House Under 55

More to life Mortgages

Pure Retirement Lifetime Mortgages

Hodge Lifetime Mortgage Flexible Drawdown Plan
More to life Capital Choice Plan
HSBC Equity Release Schemes
Bridgewater Equity Release Schemes
Pure Retirement Classic Voluntary Payment Super Lite
Lloyds Bank Equity Release
Saga home reversion schemes
Age Partnership Equity Release
Liverpool Victoria LV Equity Release Schemes
NatWest Equity Release Plans
Royal Bank of Scotland Equity Release
Aviva Equity Release Schemes
Stonehaven Equity Release Plan
More 2 Life Capital Choice Plus Plan
Age Partnership Lifetime Mortgage

What are the current Bath Building Society interest rates for equity release?

Bath Building Society rates for equity release are 2.18% APRC.

Challenging to finance home variants can include rentcharges properties with a high estate rentcharge, leasehold properties with a short lease, typically less than 70 years, or a defective lease, derelict property or where part of the building is in severe disrepair and needs demolishing, asbestos construction and missing planning permission or building regulations approval.

Retired small business owners that may be interested in lifetime mortgages

Other processing and preserving of fruit and vegetables Dewsbury
Hairdressing and other beauty treatment Crook
Tanning and dressing of leather; dressing and dyeing of fur Withernsea
Research and experimental development on biotechnology Chard

Tough to finance home titles can include properties built or converted into dwellings more than 10 years ago, properties with a single annexe or other self-contained part of the property, properties without direct access to an adopted highway or which are accessed over an unmade road, properties that have solar farms or a large number of wind turbines on the land and properties with mobile phone masts which are within influencing distance of the house.

Difficult to mortgage property variants include pre-fabricated reinforced concrete (PRC), timber framed properties built between 1920 and 1965, properties with minimum floor area of 30 square metres, coach houses i.e. freehold properties with garages beneath and basement or lower ground floor flats without level access to private or communal garden space.

Difficult to finance home variants can include properties where proposed building works have not yet commenced, age-restricted properties, right to buy – properties in England, Wales and Northern Ireland, leasehold properties (with the exception of flats and maisonettes) and properties where the borrower(s) own the freehold with any connected party.

Common loan to value percentage ratios of Aviva retirement mortgages over 65, Shepherds Friendly interest only mortgages for people over 60, Churchill over 60 lifetime mortgages, Skipton Building Society interest only lifetime mortgages for people over 60, Nottingham Building Society later life interest only mortgages over 75 and Progressive Building Society later life interest only mortgages over 60 are 50%, 55% and 70%.

Does Bath Building Society offer Equity Release?

Yes, Bath Building Society Equity Release is 1.84% MER.

Do Bath Building Society do Pensioner Mortgages?

Yes, Bath Building Society Pensioner Mortgages are 1.83% APR.

Pitfalls of Equity Release Plans

Interest-only lifetime mortgages can reduce your estate value. A monthly payment lifetime mortgage may impact the ability to claim entitlements. You may need to pay a legal fee and you could be exposed to changes in interest rates with some products.

It is often found to discover individuals looking for lifetime mortgage with flexible drawdown cash release, lumpsum lifetime mortgages or lifetime mortgage with flexible drawdown cash release, however, the Telegraph like Zurich are keen to see paperwork to show your personal circumstances in the form of investment statements.

Some of the most common loan to values of LV= interest only lifetime mortgages for over 70s, More to life later life mortgages for over 70s, One Family mortgages for pensioners over 60, Yorkshire Bank later life interest only mortgages over 75, Royal London pensioner mortgages over 70s and SunLife later life borrowing schemes over 55 are 35%, 60% and 65%.

Do Bath Building Society do Retirement Mortgages?

Yes, Bath Building Society Retirement Mortgages are 1.94% MER.

UK Equity Release Providers

Key Retirement
Liverpool Victoria
More to life
Legal & General

Common loan to value percentage ratios of TSB equity release plans for people over 60, Barclays Bank retirement mortgages over 65, Post Office remortgages for people over 50 years old, Legal & General interest only mortgages for over 60s near London, Royal Bank of Scotland RIO mortgages over 75 and Nationwide Building Society pensioner mortgages over 70s are 45%, 60% and 70%.

Does Bath Building Society offer Equity Release Under 55?

Yes, Bath Building Society Equity Release Under 55 is 2.22% MER.

The 1st and 2nd charge lender will want to know if the property is a Detached freehold house or a Leasehold house and if the resident is a Private Tenant.

Agricultural tie or restriction•Over 10 acres of land•Farms/smallholdings

Properties with more than 10 acres of land•Small scale hobby farming

Properties with up to 10 acres of land without large outbuildings or equestrian facilities
Properties with more than 6 bedrooms

Many of the most appealing retirement finance offerings are Lloyds mortgages for 60 plus pensioners, Barclays Bank interest only mortgages for over 65 year olds, Post Office mortgages for over 65, Legal & General pensioner mortgages over 70s and Nationwide Building Society mortgages for 60 plus pensioners.

Does Bath Building Society offer Lifetime Mortgages?

Yes, Bath Building Society do lifetime mortgages at 2.01% MER. Bath Building Society Lifetime Mortgages have a loan to value (ltv) of 70%.

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