- Release cash from your house.
- Best Equity Release Rates for January 2026
- Lender not available on the comparison sites
- No monthly payments – or make interest payments if you prefer
- Help your family with the cash you release
- Continue to live in your own home for as long as you like
- 5.01%
Equity release loan to value?
You can achieve 65% of your property’s value. For example, if your home is valued at £310,000, you can release it for £201,500.
UK Lenders for Equity Release with the best equity release rates 2026
- Key Retirement
- Step Change
- Key Retirement
Best Equity Release Rates 2026
- Rates Equity Release Comparison
- Swansea Building Society No Fees
- mortgage for the over 60s
- Derbyshire Building Society, Heanor
- Hanley Economic Building Society Over 60 Mortgage
- Marsden Building Society Lifetime Mortgage
- Shared Equity Release House
- Leek United Building Society Retirement Mortgage
- Melton Mowbray Building Society Interest Only Mortgage
- Mortgage Age Limit Nationwide
- Liverpool Victoria Lifetime Mortgage Interest Rates
- Darlington Building Society Middlesbrough
- Barclays Retirement Interest Only Mortgage Advisers
- Current Equity Release Interest Rates
- Liverpool Victoria Equity Release Reviews
- Equity Release Schemes
- Equity Release in the home under 50
- Legal And General Interest Only Lifetime Mortgage
- Scottish Building Society Over 70 Mortgage
- Post Office Bank Later Life Mortgages
- Equity Release Flat Roof
- Beverley Bs Equity Release Interest Rates
- Sun Life Lifetime Interest Only Lifetime Mortgage
- Mansfield Building Society Pensioner Mortgage
- NatWest Equity Release Scheme
- Aldermore Mortgage Comparison
- NatWest Lifetime Mortgage Fixed Rate
- London Equity Release Age
- Cheshire Building Society Equity Release House
- Equity Release Under 40 Broker
- Bath Building Society Equity Release Broker
- Santander Retirement Mortgage
- Thatch – Roof
- Buckinghamshire Building Society Equity Release
- Loughborough Building Society Equity Release Interest Rate
- Retirement Mortgages
- Nationwide Lifetime Mortgage Over 55
- Gloucester Building Society Later Life Mortgages
- Saffron Building Society Equity Release Interest Rates
- BISF Equity Release Plan
- Equity Release Interest Rates
- Vernon Building Society Mortgage Rates 2026
- Cambridge BS Lifetime Mortgage
- Farm Mortgage
- Bad Credit Mortgage Loan
- Ipswich Building Society Over 55 Mortgage
- Age Partnership Equity Release Age
- Yorkshire Building Society Properties
- Rbs Retirement Mortgage No Credit Check
- Borrowing Against Your House
- Tipton & Coseley Mortgage Home Reversion Plan
Successful business owners who could benefit from equity release estate planning – Best Equity Release Rates 2023
- Undifferentiated service-producing activities of private households for own use, Towcester
- Agents involved in the sale of fuels, ores, metals, and industrial chemicals in Wantage
The 1st and 2nd charge lender will want to know if the property is a Freehold house or a Leasehold flat, and if the resident is an Owner Occupier – Best Equity Release Rates 2026 lenders below:
- Canada Life Equity Release Schemes
- Liverpool Victoria LV Equity Release Plans
- More to Life Capital Choice Plus Plan
- Nationwide Equity Release Plans
- Saga home reversion plan
- Aviva Equity Release
- Hodge Equity Release Schemes
- Liverpool Victoria LV= Flexible Lifetime Mortgage
- Saga home reversion plan
- More to Life Flexi Choice Voluntary Payment Super Lite
- Bridgewater Equity Release Plans
- Best Equity Release Rates 2026
- More 2 Life Flexi Choice Drawdown Lite Plan
- Stonehaven Interest-Only Lifetime Mortgage
- More to Life Flexi Choice Voluntary Payment Super Lite
- Bridgewater Equity Release Plans
- Just Retirement Interest Only Lifetime Mortgage
- Pure Retirement Equity Release Plans
- Nationwide Equity Release Plans
- NatWest Lifetime Mortgage
- Saga Equity Release Schemes
Equity Release LTV Percentages – Best Equity Release Rates 2026
- 50% lump sum lifetime mortgages Royal London Equity Release
Tough-to-mortgage property variants can include properties built or converted into dwellings within the last 10 years, properties with grounds above five acres, properties with more than one annexe or self-contained part of the property, properties using rooms, land or outbuildings for business purposes which are not personal to the borrower(s) or which extend to more than 50% of the property to be secured and properties where Japanese Knotweed is present.
More to Life Retirement Mortgages
Release Equity In House Under 55
Challenging to mortgage home variants include properties with a sinking fund of 7% or more of the property sale price when the property is sold, ground rent where the lease or any deed varying the lease provides for a ground rent exceeding, or where the escalating provisions would result in the ground rent exceeding £250 per annum (or £1000 per annum where the property is in Greater London), properties of non-standard construction, cob property and concrete frame.
Retirement interest only mortgage rates 2026
Challenging to finance property variants include timber-framed properties built before 1920, properties with spray foam insulation on the underside of the roof, large concrete panel systems, freehold/feuhold flats (Scotland only), and basement or lower-ground-floor flats with level access to private or communal garden space.
Hard-to-finance home types include properties in poor condition, properties where a letting arrangement is not appropriate, feuhold/freehold properties (including flats) in Scotland, properties with multiple titles, and properties where the borrower(s) own the freehold with any connected party.
Popular loan-to-value percentage ratios for Aviva later life interest-only mortgages over 75, Shepherds Friendly pensioner mortgages over 70s, Sainsbury’s later life interest-only mortgages over 60, Coventry Building Society interest-only mortgages for over 65-year-olds, Nottingham Building Society retirement mortgages over 60, and National Counties Building Society equity release plans for people over 60 are 45%, 60%, and 65%.
Some of the most popular loan-to-value percentages of Liverpool Victoria interest-only lifetime mortgages for those over 60, More to Life pensioner mortgages over 60, OneFamily interest-only lifetime mortgages for people over 60, YBS mortgages for over 50-year-olds, Metro Bank equity release schemes for people over 70, and Sun Life later life borrowing schemes over 55 are 45%, 60%, and 65%.
Standard loan-to-value percentage ratios of Lloyds Bank mortgages for over 70s, mortgages for 60 plus, Post Office mortgages for people over 50, L&G retirement interest-only mortgages over 75, Bank of Scotland RIO mortgages over 75 and Nationwide pensioner mortgages over 55 are 45%, 60% and 65%.
Drawbacks of Home Reversion Schemes – Best Equity Release Rates 2026
A monthly payment lifetime mortgage can reduce the value of your estate. Home reversion plans may impact entitlements to state benefits. You may need to pay legal fees, and you may face higher rates with some schemes.
People often search for home reversion schemes, lump-sum lifetime mortgages, or both. However, Lifetime mortgages from L&G, like those from Aegon, are keen to see bank statements to assess your circumstances.
Towns where equity release is routine
- Penzance
- Newquay
- Corringham
- Chippenham
- Ashburton
- Broadstairs and St Peters
- Ormskirk
- Bridlington
- Lydd
- Sidmouth
- Lutterworth
- Cheshunt
- Ashton-under-Lyne
- Cirencester
- Havant
- Dinnington St Johns
- Great Torrington
- Clay Cross
- Braintree
- Wickwar
- Coleshill
- Ollerton and Boughton
What percentage can be released – Best Equity Release Rates 2026?
The older and unhealthier you are, the more tax-free cash you can release. Find the Best Equity Release Rates 2026.
Some of the most common pensioner finance products are Lloyds interest-only mortgages for over-65-year-olds, interest-only mortgages for over-70s, Post Office retirement mortgages, Legal & General Help to Buy for over-60s 60s and Nationwide BS pensioner mortgages for 70s.
