Nationwide Building Society Equity Release Rates & Criteria 2026

Release money from your house with the Nationwide Building Society Equity Release.
No monthly repayments
Use the money to buy another property
Continue to stay in your house.
5.28%

Equity release loan to value?

You can get 70% of your property’s valuation. For example, if your home is worth £290,000, you can get £203,000.

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Customer Testimonials

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.

Mrs L from Nottingham

For my lifetime mortgage, I had to pay a valuation fee and a solicitor’s fee, but no lender or broker fees. As I was divorcing my husband of 30 years, the money went to him for his share of the house. I am happy now as I am secure and do not need to move from home.

Ms G from Dover

I divorced my husband, who was a violent alcoholic. I 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 house.

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 take out an equity release on 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.

Mr Williamson from Chiswick

My son is a chef in a care home. He is poorly paid, and his bank would not lend him the money to buy a flat. My equity release let him put down a substantial deposit, so his mortgage was tiny. My equity release interest rate was close to the interest rate his bank offered.

Sandra from Manchester

I got an equity release to give my daughter money to buy a house. Without the money I borrowed, her buying a home would have been impossible.

Does the Nationwide Building Society have favourable reviews for equity release?

Yes, Nationwide Building Society reviews are splendid for equity release.

Recently completed mortgage, equity release and lifetime mortgage cases

https://www.nationwide.co.uk/

Equity release is standard among small business owners, as shown below

Construction of bridges and tunnels in Christchurch
Manufacture of builders ware of plastic, Newbury
Architectural activities Tipton
Manufacture of doors and windows of metal in Hetton
Combined office administrative service activities Kingston-upon-Thames
Public order and safety activities, Bingham
Manufacture of other general-purpose machinery n e c Horsforth
Primary education in Erith
Youth hostels Rayleigh
Manufacture of margarine and similar edible fats, Buckfastleigh
Child day-care activities Pudsey
Logging Godmanchester
Retail sale of audio and video equipment in specialised stores in Edenbridge
Manufacture of synthetic rubber in primary forms, Withernsea
Manufacture of other men’s outerwear, Lutterworth
Manufacture of other plastic products, Waltham Cross
Non-specialised wholesale of food, beverages and tobacco in Bicester
Retail sale of newspapers and stationery in specialised stores, Haxby

What are Nationwide Building Society’s interest rates for equity release?

Nationwide Building Society’s equity release rates are 5.41% MER.

How much is it expected to release from a home

50% monthly payment lifetime mortgage, Maximum cover, Equity Release
35% loan-to-value (LTV) interest-only lifetime mortgages Vida
30% loan-to-value (LTV) lifetime mortgage with flexible drawdown cash release, Newcastle Building Society

Areas where retirement mortgages are routine

Pickering
Wincanton
Okehampton
Broseley
Whaley Bridge
Bicester
Wickwar
Northallerton
Hastings
Thaxted
Walsall
Berkhamsted
Hebden Royd
Eastleigh
Buntingford
Mansfield
Newhaven
Bacup

Crown Drawdown Lifetime Mortgages

Does Nationwide Building Society do Equity Releases?

Yes, Nationwide Building Society Equity Release is 5.41% APRC.

Hodge Lifetime

One Family Lifetime Mortgages

Does Nationwide Building Society do Pensioner Mortgages?

Yes, Nationwide Building Society Pensioner Mortgages are 5.41% MER.

Just Drawdown Lifetime Mortgages Interest Rates

Bridgewater Lifetime Mortgage
Nationwide Equity Release Schemes
NatWest Interest-Only Lifetime Mortgage
Nationwide Equity Release Schemes
Lloyds Bank Lifetime Mortgage
Saga home reversion schemes
Age Partnership Equity Release
More to Life Flexi Choice Voluntary Payment Super Lite
Canada Life Voluntary Select Gold
Liverpool Victoria LV= Lump Sum Plus Lifetime Mortgage
More 2 Life Capital Choice Plan
Saga Lifetime Mortgage
More to Life Capital Choice Plan
Pure Retirement Equity Release Plans
Lloyds Bank Lifetime Mortgage

Natwest Retirement Mortgage Interest Rate

The lender will want to know if the property is a Detached freehold house or a Leasehold flat, and if the resident is an owner-occupier’s Primary Residence.

Does Nationwide Building Society offer Retirement Mortgages?

Yes, Nationwide Building Society Retirement Mortgages are 2.21% MER.

Tough-to-finance home variants include properties with legal agreements such as Overage, Clawback, Option, Pre-emption, or any onerous Restrictive Covenant, leasehold properties with a short lease, typically less than 70 years, or a defective lease; properties where there are boundary disputes or where planning applications have not been applied for correctly, asbestos construction and missing planning permission or building regulations approval.

Equity Release Providers

Just Retirement
Stonehaven Mortgage
Legal and General
Saga

Pitfalls of Equity Release Plans

A monthly payment lifetime mortgage can reduce your family’s inheritance. Home reversion plans may affect eligibility for state benefits. You may need to pay a valuation fee, and with some products, you could be exposed to changes in interest rates.

Tough-to-mortgage home titles include properties built or converted into dwellings within the last 10 years, properties with a large number/scale of outbuildings, properties with a small number of solar panels or a wind turbine on the land for domestic use, properties that have solar farms or a large number of wind turbines on the land and properties where Japanese Knotweed is present.

Does Nationwide Building Society do Equity Release Under 55?

Yes, Nationwide Building Society Equity Release Under 55 is 2.09% APR.

Equity Release LTV

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

It’s common to find individuals seeking out monthly payment lifetime mortgages, interest-only lifetime mortgages, or fixed-rate lifetime mortgages. However, More to Life, like Zurich, is keen to see proof of your circumstances in the form of bank statements.

Hard-to-finance property types can include timber-framed properties built before 1920, timber-framed properties built between 1920 and 1965, large concrete panel systems, former local authority flats and privately developed flats in blocks of three or four storeys without a lift.

The common LTV ratios of TSB help to buy for people over 60, Barclays interest-only mortgages for people over 70, Halifax pensioner mortgages over 60, Legal & General help to buy for people over 60, Bank of Scotland retirement interest-only mortgages over 75, and Nationwide Building Society retirement interest-only mortgages over 75 are 40%, 55%, and 70%, respectively.

Hodge Lifetime - Lump Sum Lifetime Mortgage

Typical loan-to-values of LVE help to buy for over 60s, More to Life later life mortgages for over 70s, One Family mortgages over 65, Yorkshire Bank mortgages for 60 plus, Metro Bank mortgages for 60 year olds and SunLife later life interest-only mortgages over 75 are 50%, 55% and 65%.

Popular LTV ratios of Virgin Money over 60 lifetime mortgages, Direct Line pensioner mortgages over 60, Sainsbury’s lifetime mortgages for people over 55, Principality Building Society mortgages for over 60s, West Bromwich Building Society over 60 lifetime mortgages and National Counties Building Society retirement mortgages over 65 are 45%, 55% and 65%.

Legal & General Home Finance lifetime mortgage

Difficult-to-mortgage property variants can include properties where proposed building works have not yet commenced, properties where multiple third parties are living in an annexe, right to buy – properties in England, Wales and Northern Ireland, and properties which are made up of various titles and freehold flats (England, Wales, Northern Ireland).

Nationwide Building Society Equity release

Because of Nationwide’s size, we have the economies of scale to offer the best rates for home equity release.
Locations of our head offices

Nationwide Head Office Address – Swindon
Nationwide Building Society
Nationwide House
Pipers Way
Swindon
SN38 1NW
GPS/Geographical Post Code Only: SN3 1TA

Nationwide Administration Centre address – Northampton
Nationwide Building Society
Kings Park Road
Moulton park
Northampton
NN3 6NW

Portman House Bournemouth Administration Centre
Richmond Hill
Bournemouth
BH2 6EP

Popular pensioner loan products include Lloyds equity release schemes, retirement mortgages, Halifax mortgages over 70s, Legal and General pensioner mortgages and Nationwide mortgages for 60 plus.