Release equity from your house
No monthly repayments
Use the cash to pay off loans and credit cards
Stay living in your own house for as long as you like
Could be used to manage inheritance tax bills
Self-contained with/without private facilities
With/without direct access to the highway via covered common parts
No limit of stories
No minimum floor area

Your Requirements
How Much Would You Like Borrow/Release?*
Please enter a number from 4000 to 200000000.
Value of your property*
Please enter a number from 50000 to 10000000.
Total amount of mortgage/loans you have on your property
Type of Finance*
- Equity Release
- Lifetime Mortgage
- Retirement Interest Only Mortgage
- New Mortgage For New Home
- I'm Not Sure

About You
Name*
First Last
First Line Of Your Address:*
Your Postcode:*
Please Agree To Our T&C and Privacy*
- I Agree

Date of Birth*
Your Email Address:*
Phone Number*

Customer Reviews

William from London

I was told by my lawyer my inheritance tax bill would be around £250,000. I got a lifetime mortgage to give money to my son and daughter so they could buy bigger homes and we bought a house in the south of France for us all to use as a holiday home.

Mr Smith from Kendal

My financial advisor told me that I should get equity release and gift money to my 5 children now as it would save a massive amount of inheritance tax.

David P

With my power of attorney, I got equity release on my father’s house to pay for disability provisions including a lift and a new kitchen.

Ms G from Dover

I divorced my husband who was a violent alcoholic. I really feared losing my home as I sometimes look after my daughter’s children. Equity release enabled me to pay off my ex and stay secure in my home.

Your Requirements
My Property or Home:*
How Much Money Would You To Like Raise?*
Please enter a number from 4000 to 20000000.
Type of Finance*
- Equity Release
- Lifetime Mortgage
- Retirement Interest Only Mortgage
- Not Sure
I would like to
- Refinance my existing property and stay
- Get new finance for a new property
Estimated Value Of Your Property?*
Total amount of mortgage/loans you have on your property
About You
Please tell us about yourself and what you need
Name*
First Last
Phone*
Date of Birth*
Your Email Address:*
First Line Of Your Address:*
Your Postcode:*
Please Agree To Our T&C and Privacy*
- I Agree
By clicking Submit and ticking the box above you agree to be contacted by an FCA authorised advisor that you have read and agreed to our Terms & Conditions and our Privacy Policy.

Downsides of Equity Release Schemes

Lifetime mortgage with flexible drawdown cash release can reduce the inheritance for your family. Lifetime mortgage with flexible drawdown cash release may impact ability to claim entitlements. You may need to pay a legal fee and some products expose you to changes in interest rates.

The 1st and 2nd charge lender will want to know if the property is a Freehold house or a Leasehold house and if the resident is an Owner Occupier.

Towns of the UK where equity release is popular

Ferndown
Blyth
Rothwell
Christchurch
Ealing
Caistor
Bishops Waltham
Romford
Rye
St Neots
Thaxted
Kempston
Heathfield
Tamworth
Shepshed
Kington

Equity Release LTV

60% interest-only lifetime mortgages LV Liverpool Victoria
30% loan to value (LTV) monthly payment life time mortgage Lloyds Bank
35% loan to value monthly payment lifetime mortgage Norwich Union
30% LTV home reversion plans Metro Bank Plc

It’s usual to encounter individuals searching for lump sum lifetime mortgages, lump sum lifetime mortgages or home reversion schemes, however, Age Concern like LV Liverpool Victoria are keen to see proof of your personal circumstances in the form of pension statements.

Hodge Lifetime Mortgages
Equity Release Mortgage Under 55

More2Life Lifetime Mortgages

LV Mortgages

Aviva Retirement Mortgages

UK Equity Release Scheme Providers

Bower
Saga
Key Retirement
Fortify Insurance Solutions

What percentage can be released?

The older you are and the sicker you are the more cash you can release.

Canada Life Landlord Voluntary Select Plan
Just Retirement Interest Only Lifetime Mortgage
Nationwide Interest Only Lifetime Mortgage
NatWest Equity Release Plans
Saga home reversion schemes
Stonehaven Lifetime Mortgage
Royal Bank of Scotland Equity Release
Pure Retirement Equity Release Schemes
Stonehaven Equity Release Plan
NatWest Equity Release Schemes
Royal Bank of Scotland Equity Release Plans
Stonehaven Equity Release Scheme
HSBC Equity Release Schemes
Lloyds Bank Equity Release

Successful business owners who could benefit from Home Reversion Scheme estate planning

Processing and preserving of meat Kirkby Stephen
Retail sale of tobacco products in specialised stores Worksop
Manufacture of plastic plates, sheets, tubes and profiles Queenborough-in-Sheppey
Fire service activities Haslingden
Wholesale of live animals Swanage
Manufacture of electrical and electronic equipment for motor vehicles and their engines Swaffham
Cultural education Preesall
Other professional, scientific and technical activities n e c Thorne
Translation and interpretation activities Winsford
Other telecommunications activities Alston
Activities of venture and development capital companies Paddock Wood
Retail sale of sports goods, fishing gear, camping goods, boats and bicycles West Bromwich
Manufacture of footwear Neston
Manufacture of printed labels Devizes
Operation of rail passenger facilities at railway stations Eye
Wholesale of tobacco products Tavistock
Manufacture of glass fibres Kirkham
Manufacture of earthmoving equipment Silloth

Commercial properties, guest houses or hotels•Holiday Lets

Small scale “home office” business use•Small scale bed and breakfast

Properties with more than 6 bedrooms

Common are properties where a ‘granny annexe’ is present. However, we must be able to establish that the annexe does not benefit from its own facilities (self-contained) and will not be occupied independently of the main property.

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