Release tax-free money from your home – Lifetime mortgage best rates
Not necessary to make regular monthly payments
Help your family with the equity you release
Continue to stay in your house for as long as you like
Often used to optimise tax planning

How much can I borrow?

You can borrow 65% of your home’s valuation. As an example, if your house is valued at £320000 you can get £208000.

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

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Your Requirements
How Much Money Would You To Like Raise?*
Please enter a number from 4000 to 20000000.
Estimated Value Of Your Property?*
Total amount of mortgage/loans you have on your property
About You
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Crown Mortgages

Hodge Lifetime Lifetime Mortgages

Pure Retirement Retirement Mortgages

Equity Release LTV

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

Equity Release LTV

60% lumpsum lifetime mortgages AA equity release
50% loan to value (LTV) monthly payment lifetime mortgage Aviva
30% loan to value (LTV) home reversion plans Spring Finance
60% loan to value monthly payment lifetime mortgage Together Money
30% LTV interest-only lifetime mortgages Hanley Economic
55% loan to value monthly payment equity release More to life
40% loan to value interest-only lifetime mortgages Stonehaven
60% loan to value lump sum lifetime mortgages Together Money
30% LTV lump sum lifetime mortgages Stafford Railway Building Society

Business owners details likely with equity to release

Retail sale of antiques including antique books in stores Berkeley
Site preparation Manningtree
Shaping and processing of flat glass Kington
Taxi operation Beccles
Manufacture of starches and starch products Askern
Manufacture of other carpets and rugs Skelton-in-Cleveland
Mixed farming Halifax
Banks Bury
Manufacture of other electrical equipment Cirencester
Wholesale of china and glassware and cleaning materials Southminster
Test drilling and boring Warminster
Agents involved in the sale of furniture, household goods, hardware and ironmongery Bury St Edmunds
Funeral and related activities St Ives
Regulation of and contribution to more efficient operation of businesses Gosport
Activities of property unit trust Kirkby Lonsdale
Farm animal boarding and care Denholme
Risk and damage evaluation Chagford
Security systems service activities Chorley

Downsides of Equity Release Schemes

Monthly payment equity release can reduce the value of your estate. Lumpsum lifetime mortgages may impact the ability to claim benefits. You may need to pay a legal fee and you could have higher rates to pay with some schemes.

Challenging to mortgage home variants include properties built on contaminated land, properties without a kitchen or bathroom, properties with structural problems, corrugated iron construction and Airey, Boot, Cornish Unit, Dorran, Dyke, Gregory, Hamish Cross, Myton, Newland, Orlit and Parkinson Frame.

Challenging to mortgage home variants include grade ll Listed houses (grade C in Scotland and B2 in Northern Ireland), properties with a single annexe or other self-contained part of the property, properties with more than one annexe or self-contained part of the property, properties that are being used for personal commercial use and properties with mobile phone masts which are within influencing distance of the house.

Difficult to finance home types can include timber framed properties built before 1920, timber framed properties built between 1920 and 1965, studio flats located within the M25, privately developed flats in blocks of five storeys or more and basement or lower ground floor flats without level access to private or communal garden space.

It’s usual to encounter individuals searching for monthly payment equity release, lump sum lifetime mortgages or lifetime mortgage with flexible drawdown cash release, however, Key Retirement like Old Mutual Wealth is keen to see evidence of your personal situation in the form of investment statements.

Popular loan to value percentage ratios of Liverpool Victoria retirement mortgages over 70, More 2 Life later life mortgages for over 70s, One Family mortgages for people 60 plus, YBS interest only mortgages for over 70s, Metro Bank interest only lifetime mortgages for over 70s and Sun Life mortgages for 60 year olds are 45%, 60% and 70%.

Common loan to value percentages of Aviva interest only mortgages for people over 70, Shepherds Friendly interest only lifetime mortgages for people over 60, Sainsburys mortgages for over 60s, Skipton Building Society interest only mortgages for over 60s, Nottingham Building Society pensioner mortgages over 55 and National Counties Building Society mortgages over 70s are 45%, 55% and 70%.

Bridgewater Equity Release Plans
More to life Capital Choice Plan
Nationwide Equity Release
Lloyds Bank Equity Release
NatWest Equity Release
Saga Equity Release Plans
Liverpool Victoria LV Equity Release
Stonehaven Interest Select Plan
More 2 Life Flexi Choice Voluntary Payment Super Lite
Aviva Lifetime Mortgages for Pensioners
More to life Flexi Choice Drawdown Lite Plan
Canada Life Lifetime Mortgage
Hodge Lifetime Mortgage Flexible Drawdown Plan
More 2 Life Tailored Choice Plan
Lloyds Bank Equity Release Schemes
TSB Equity Release Schemes
Royal Bank of Scotland Lifetime Mortgage
Just retirement equity release lifetime mortgages
More to life Capital Choice Plus Plan
Age Partnership Lifetime Mortgage

Popular LTV percentages of TSB interest only retirement mortgages for over 70s, Barclays over 60 lifetime mortgages, Halifax interest only lifetime mortgages for people over 60, L&G mortgages for 60 year olds, RBS help to buy for over 60s and Nationwide mortgages for people 60 plus are 45%, 60% and 70%.

Areas where retirement mortgages are popular

Corbridge
Mitcheldean
Ashburton
Barnes
Crowland
Redruth
Bromyard
Malvern
Silloth
Penzance
Ashbourne
Alfreton
Loughton
Dursley
Gainsborough

Hard to mortgage home variants include properties where proposed building works have not yet commenced, entirely tenanted properties, right to buy – properties in England, Wales and Northern Ireland, properties with unregistered titles subject to these being registered as part of the legal process and freehold flats (England, Wales, Northern Ireland).

UK Equity Release Scheme Providers

Age Partnership
Pure Retirement
Legal and General

The mortgage lender will want to know if the property is a Freehold house or a Leasehold flat and if the resident is an AST Tenant.

Many of the most appealing pensioner mortgage products include Lloyds Bank mortgages for 60 year olds, HSBC mortgages over 70s, NatWest pensioner mortgages, Legal & General equity release plans and Nationwide later life interest only mortgages over 60.

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Equity Release LTV

Equity Release LTV

Business owners details likely with equity to release

Downsides of Equity Release Schemes

Areas where retirement mortgages are popular

UK Equity Release Scheme Providers