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.

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How Much Would You Like Borrow/Release?*
Please enter a number from 3000 to 2000000000.
Value of your property*
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About You
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Free No Obligation Quote
How Much Money Would You To Like Raise?*
Please enter a number from 4000 to 20000000.
Estimated Value Of Your Property?*
Approximate outstanding mortgage you have on your property (if applicable)
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About You
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Crown Mortgages aged 55

fixed interest Hodge Lifetime Lifetime Mortgages

Pure Retirement Retirement Mortgages registration number

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 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. 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 SunLife 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 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 over 70s, 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 these 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, 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 Best Equity Release Scheme Providers