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Lifetime mortgages best rates new for 2022


  • 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

  • Please enter a number from 4000 to 200000000.
  • Please enter a number from 50000 to 10000000.

Putney Home
West London Home

  • Your Requirements

  • Please enter a number from 4000 to 20000000.
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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.

Just Retirement - Roll-Up Lifetime Mortgage

Legal & General - Flexible Pink

More to life  - Tailored Choice Plan

LV= lifetime mortgage

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.

Natwest Retirement Mortgage Loan

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%.

Natwest Retirement Mortgage Comparison

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.