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Bad credit equity release at 2.22% APR with no fees for 2022


  • Remove tax-free money from your home in 2022 with Bad credit equity release
  • Not necessary to make regular monthly payments
  • Help your family with the money you release
  • Continue to live in your own home
  • Often used as a vehicle to reduce tax bills
  • Status check for identity verification but no credit checks

Loan to value for equity release?

You can achieve 70% of your property’s valuation. For example, if your home is valued at £260,000 you can borrow £182,000.

  • Free No Obligation Quote

  • Please enter a number from 3000 to 2000000000.
  • Please enter a number from 30000 to 100000000.
  • Leave blank if no mortgage outstanding
  • About You

Recently completed mortgage, equity release and lifetime mortgage cases


Mrs G from Leeds

My daughter is a single mother, and I got a £120,000 lifetime mortgage to buy her a flat outright as she has had a succession of poorly maintained rental flats not suitable for her child.


Mrs E from London

I was advised to get equity release from my East London home to minimise inheritance tax. My son and daughter used the money to pay down their mortgages. The interest rate on the equity release was so low it was close to their mortgage rate.


Mrs V from Hastings

I had spent my life running up credit cards and loans then getting interest-only mortgages to pay off the debt. I got to retirement age and still owed the bank £160,000. The term was about to expire, and I could not afford the payments on my pension anyway. I got £180,000 equity release and now I am more comfortable with no monthly repayments and I spent £20,000 on a new bathroom and kitchen. I now know I can stay in my home.


Sophie G from Aberdeen

The financial advisor I’ve had for 25 years said I could save inheritance tax by getting £350,000 of equity release. The money was lent at a very low-interest rate close to 2% and competitive with normal mortgages you would get by proving income. I have saved a lot of tax.


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.


Mr G from Kent

I got an interest-only lifetime mortgage and gave my sons £100,000 each so they could put a deposit down on a home. My money made it possible for them to get a very good mortgage deal, especially one son who is not well paid.


Julia A

My mother has dementia. With my solicitor and my power of attorney, I got equity release on my mother’s house to pay for specialist modifications for her comfort.


Ms T from Hammersmith

My husband recently died leaving me with a mortgage I could not afford to pay. The lifetime mortgage allowed me to pay off the mortgage and have enough money left over for a new bathroom, kitchen, and roof repair.

  • Free No Obligation Quote

  • Please enter a number from 4000 to 20000000.
  • Leave blank if no mortgage outstanding
  • About You

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London House Finance
Southfields House
Under 65 Home owner
Old money home

  • Hodge Lifetime Mortgage Flexible Drawdown Plan
  • Stonehaven Equity Release Plan
  • TSB Equity Release Plans
  • More to Life Flexi Choice Drawdown Lite Plan
  • Saga Equity Release Plans
  • Bridgewater Equity Release Schemes
  • Canada Life Landlord Voluntary Select Plan
  • More to life Flexi Choice Drawdown Lite Plan
  • Pure Retirement Lifetime Mortgage
  • HSBC Equity Release Plans
  • Saga Equity Release Plans
  • Aviva Equity Release
  • More to life Flexi Choice Drawdown Lite Plan
  • L&G Legal & General Flexi Max Voluntary Repayment Plan
  • Liverpool Victoria LV= Flexible Lifetime Mortgage
  • Stonehaven Interest Select Plan
  • Royal Bank of Scotland Equity Release Schemes
  • Saga Equity Release Schemes
  • Age Partnership Lifetime Mortgage
  • More to life Flexi Choice Voluntary Payment Super Lite
  • Pure Retirement Classic Voluntary Payment Super Lite
  • NatWest Equity Release Plans
  • Royal Bank of Scotland Lifetime Mortgage

It is usual to find people seeking out Bad credit equity release, lump sum lifetime mortgages or monthly payment equity release, however, Age Concern like LV Liverpool Victoria are keen to see proof of your personal circumstances in the form of bank statements.

more 2 life joint lifetime mortgage

Does TSB offer Equity Release?

Yes, TSB Equity Release is 2.15% APR.

Canada LIfe - Interest Select Gold Flexi

Canada Life Home Finance lifetime mortgage for properties in Scotland

Bad credit equity release

Equity Release percentages of your current property value – Bad credit equity release

  • 50% lump sum lifetime mortgages Legal & General
  • 55% loan to value interest-only lifetime mortgages Precise
  • 45% loan to value monthly payment lifetime mortgage Optimum Credit

Successful business owners who could benefit from bad credit equity release tax planning

  • Motion picture, video and television programme post-production activities Enfield
  • Repair of personal and household goods n e c Stapleford
  • Veterinary activities Bradford-on-Avon
  • Manufacture of other ceramic products n e c Kirkham
  • Freshwater aquaculture Shrewsbury
  • Technical testing and analysis Barnard Castle
  • Growing of oleaginous fruits Royal Tunbridge Wells
  • Manufacture of steel drums and similar containers Crosby
  • Manufacture of bearings, gears, gearing and driving elements Congleton
  • Production of meat and poultry meat products Batley
  • Manufacture of hollow glass Neston
  • Wholesale of furniture, carpets and lighting equipment Soham
  • Residential care activities for the elderly and disabled Kempston
  • Television programming and broadcasting activities Willenhall
  • Manufacture of other knitted and crocheted apparel Penrith
  • Transmission of electricity Cotgrave
  • Portrait photographic activities Southwick
  • Motion picture production activities Peterlee

Equity Release Loan To Value

The more aged you are and the more serious your illnesses you are the more tax-free money you can release.

Does TSB offer Pensioner Mortgages?

Yes, TSB Pensioner Mortgages are 2.25% APR.

Crown Equity Release

Pure Retirement Retirement Mortgages

Does TSB offer Retirement Mortgages?

Yes, TSB Retirement Mortgages are 1.84% APR.

Just Retirement Mortgages

Crown Lifetime Mortgages

Market Harborough Building Society Over 75 Mortgage

Market Harborough Building Society Mortgage Rates 2022

Pitfalls of Bad credit equity release

A monthly payment lifetime mortgage can reduce the inheritance for your family. A monthly payment lifetime mortgage may impact entitlements to benefits. You may need to pay an advisor’s fee and you could be exposed to changes in interest rates with some products.

UK Providers for Equity Release

  • Key Retirement
  • Saga
  • Age Concern
  • Bad credit equity release

Does TSB offer Equity Release Under 55?

Yes, TSB Equity Release Under 55 is 1.89% APR.

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

Towns where Bad credit equity release are common

  • Watchet
  • Seaton
  • Newhaven
  • Middlesbrough
  • Midsomer Norton
  • Ryde
  • Barking
  • Fowey
  • Mildenhall
  • Widnes
  • Westbury
  • Withernsea
  • Solihull
  • Keynsham
  • Helston
  • Fleet
  • Barnet

Difficult to finance home types include homes requiring essential repairs, age restricted properties, right to buy – properties in Scotland, commonhold properties and properties with owned solar panels.

Do TSB do Lifetime Mortgages?

Yes, TSB does lifetime mortgages at 1.87% MER. TSB Lifetime Mortgages can have a loan to value of 70%.