Sorting by

×

Lifetime mortgages best rates new for 2026

Lifetime mortgages best rates company number registration number
  • Release tax-free money from your home – Lifetime mortgage best rates
  • It is 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. For example, if your house is valued at £320,000, you can get £208,000.

  • Get your 1 minute no obligation quote
  • Please enter a number from 10000 to 25000000.
    Please enter a value between £10,000 and £25,000,000
  • Please enter a number from 50000 to 25000000.
    Please enter a value between £50,000 and £25,000,000
early repayment charge
pensions retirement
secured against your home



Crown Mortgages aged 55

Fixed interest Hodge Lifetime Mortgages

Pure Retirement Retirement Mortgages registration number

Equity Release LTV

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

lifetime mortgage work
aged 55 interest rates
fixed interest equity release adviser
repayment charges

Equity Release LTV

  • 60% lumpsum lifetime mortgages AA equity release interest is charged
  • 50% loan to value (LTV) monthly payment lifetime mortgage Aviva worth at least £70,000
  • 30% loan to value (LTV) home reversion plans Spring Finance pay back when you die or go into long-term care
  • 60% loan to value monthly payment lifetime mortgage Together Money you never owe more than your home is worth
  • 30% LTV interest-only lifetime mortgages Hanley Economic the amount you owe will never be more than your home
  • 55% loan to value monthly payment equity release More to life pay the interest daily
  • 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

Downsides of Equity Release Schemes

Monthly payment equity release can reduce the value of your estate. Lump-sum lifetime mortgages may affect eligibility for benefits. You may need to pay legal fees, and you may face higher rates with some schemes.

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

lifetime mortgage interest rates

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 another 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 common to encounter individuals seeking monthly payment equity releases, lump-sum lifetime mortgages, or lifetime mortgages with flexible cash drawdowns; however, Key Retirement, like Old Mutual Wealth, is keen to see evidence of your personal situation, such as 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 those over 70s and SunLife mortgages for 60 year olds are 45%, 60% and 70%.

life mortgage options

Standard loan-to-value percentages of Aviva interest-only mortgages for people over 70, Shepherds Friendly interest-only lifetime mortgages for people over 60, Sainsbury 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 loan amount
  • More to life Capital Choice Plan interest rate
  • Nationwide Equity Release for Home Improvements
  • Lloyds Bank Equity Release with interest roll-up
  • NatWest lifetime mortgage interest rates
  • Saga Equity Release Plans tax position
  • Liverpool Victoria LV Equity Release property value
  • Stonehaven Interest Select Plan family member
  • More 2 Life Flexi Choice Voluntary Payment Super Lite inheritance tax

  • Aviva Lifetime Mortgage for Pensioners completion fee
  • More to life Flexi Choice Drawdown Lite Plan prudential regulation authority
  • Canada Life Lifetime Mortgage loan amounts
  • Hodge Lifetime Mortgage Flexible Drawdown Plan lending criteria
  • More 2 Life Tailored Choice Plan state benefits

  • Lloyds Bank Equity Release calculator Schemes cash lump sum
  • TSB Equity Release Schemes eligibility criteria
  • Royal Bank of Scotland Lifetime Mortgage products arrangement fee
  • Just retirement equity release lifetime mortgage advice fee
  • More to Life Capital Choice Plus Plan
  • Age Partnership Lifetime Mortgage

Popular LTV percentages of TSB interest-only retirement mortgages for those over 70, Barclays over 60-lifetime mortgage, Halifax interest-only lifetime mortgage 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 them being registered as part of the legal process, and freehold flats (England, Wales, Northern Ireland).

UK Best 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, mortgages over 70, NatWest pensioner mortgages, Legal & General equity release plans, and Nationwide later life interest-only mortgages over 60.

Content Author

Companies House