Release equity from your property
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Help your family get a deposit for their own home
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Continue to live in your own home

Equity release loan to value?

You can achieve 70% of your property’s value. As an example, if your home is valued at £300000 you can release £210000.

Free No Obligation Quote
How Much Would You Like Borrow/Release?*
Please enter a number from 3000 to 2000000000.
Value of your property*
Please enter a number from 30000 to 100000000.
Approximate outstanding mortgage you have on your property (if applicable)
Leave blank if no mortgage outstanding
About You
Name*
First Last
First Line Of Your Address:*
Your Postcode:*
Date of Birth*
Your Email Address:*
Phone Number*

Testimonials and Example Cases

William from London

I was told by my lawyer my inheritance tax bill would be around £250,000. I got a lifetime mortgage to give money to my son and daughter so they could buy bigger homes and we bought a house in the south of France for us all to use as a holiday home.

Mr Smith from Kendal

My financial advisor told me that I should get equity release and gift money to my 5 children now as it would save a massive amount of inheritance tax.

David P

With my power of attorney, I got equity release on my father’s house to pay for disability provisions including a lift and a new kitchen.

Mrs Daly from Glasgow

My daughter lives in the states and does not have health insurance. My £30,000 lifetime mortgage paid the medical bills for her son to be born and a years rent in advance for a new flat for the baby.

Mrs V from Hastings

I had spent my life running up credit cards and loans then getting interest-only mortgages to pay off the debt. I got to retirement age and still owed the bank £160,000. The term was about to expire, and I could not afford the payments on my pension anyway. I got £180,000 equity release and now I am more comfortable with no monthly repayments and I spent £20,000 on a new bathroom and kitchen. I now know I can stay in my home.

Sandra from Manchester

I got equity release to give money to my daughter to buy a house. Without the money I borrowed, her buying a home would have been impossible.

Mrs G from Leeds

My daughter is a single mother, and I got a £120,000 lifetime mortgage to buy her a flat outright as she has had a succession of poorly maintained rental flats not suitable for her child.

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)
Leave blank if no mortgage outstanding
About You
Name*
First Last
Phone*
Date of Birth*
Your Email Address:*
First Line Of Your Address:*
Your Postcode:*
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Towns where equity release is common

Rotherham
Walton-on-Thames
Leiston
Malmesbury
Rothwell
Matlock
Bridlington
Wareham
Crook
Whitehill
Bromsgrove
South Brent
Skelmersdale
Brixham

Drawbacks of Lifetime Mortgages

Home reversion schemes can reduce the value of your estate. A monthly payment lifetime mortgage may impact entitlements to benefits. You may need to pay an advisor’s fee and you could have higher rates to pay with some schemes.

The mortgage lender will want to know if the property is a Freehold terraced house or a Leasehold flat with share of freehold and if the resident is an Owner Occupier.

It’s very regular to discover individuals looking for lump sum lifetime mortgages, lumpsum lifetime mortgages or monthly payment equity release, however, Age Partnership like VitalityLife Equity Release are keen to see paperwork to show your personal situation in the form of pension statements.

Equity release is common among business owners like below

Manufacture of paper stationery Market Rasen
Manufacture of musical instruments Devizes
Retail sale of beverages in specialised stores Chesterfield
Joinery installation Swindon
Manufacture of office and shop furniture Arlesey
Manufacture of paper and paperboard Amesbury
Renting and leasing of other machinery, equipment and tangible goods n e c Heywood
Manufacture of concrete products for construction purposes Market Deeping
Manufacture of builders ware of plastic South Molton
Manufacture of prepared pet foods Chertsey
Other information service activities n e c Corbridge
Other building completion and finishing Ulverston
Manufacture of bread; manufacture of fresh pastry goods and cakes Diss
Motion picture distribution activities Leigh-on-Sea
Investigation activities Barnard Castle
Extraction of salt Minster
Specialists medical practice activities Newark-on-Trent
Growing of grapes Alcester

Aviva Equity Release

Hodge Lifetime Mortgages

Pure Retirement Equity Release

LV Drawdown Lifetime Mortgages

Canada Life Equity Release

One Family Mortgages

Providers for UK Equity Release

Aviva
Step Change
Key Retirement
AA equity release

Challenging to finance property variants include properties with a sinking fund of 7% or more of the property sale price when the property is sold, leasehold properties with a short lease, typically less than 70 years, or a defective lease, derelict property or where part of the building is in severe disrepair and needs demolishing, cob property and concrete panel houses.

Challenging to finance property variants include properties with land in addition to the domestic grounds up to a maximum property size of five acres, where the land is for normal domestic use, properties converted from modern commercial premises, grades l and ll* Listed Buildings in England & Wales (Grades A and B in Scotland; A, B+ and B1 in Northern Ireland), properties that are being used for personal commercial use and properties which have been built on a previously contaminated land are acceptable provided the result of an environmental search determines the land to be clear of contamination.

Difficult to mortgage home types include Timber-framed properties constructed post-1965, properties with any externally applied insulation to the walls after construction, large concrete panel systems, former local authority flats and flats above or adjacent to commercial premises.

Hard to finance property types can include properties where proposed building works have not yet commenced, entirely tenanted properties, leasehold properties where the lease length is currently unacceptable, properties where the customer is offering only part of the title as security for the loan and properties with owned solar panels.

Does Bridgewater offer Equity Release?

Yes, Bridgewater Equity Release is 1.88% APRC.

Equity Release percentages of your current property value

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

How much is it common to release from a home

60% monthly payment lifetime mortgage Fortify Insurance Solutions
55% LTV home reversion plans Bower
45% loan to value interest-only lifetime mortgages United Trust Bank
55% loan to value monthly payment equity release 1st Stop Home Loans
30% loan to value monthly payment lifetime mortgage New Street Mortgages

Popular loan to value ratios of LVE interest only lifetime mortgages for people over 60, More 2 Life pensioner mortgages over 60, One Family interest only retirement mortgages for over 70s, YBS over 60 lifetime mortgages, Principality Building Society mortgages for over 65 and Axa interest only mortgages for over 60s near London are 40%, 55% and 70%.

Does Bridgewater offer Retirement Mortgages?

Yes, Bridgewater Retirement Mortgages are 1.82% APR.

Does Bridgewater offer Pensioner Mortgages?

Yes, Bridgewater Pensioner Mortgages are 2.07% APRC.

Popular LTV ratios of TSB later life borrowing schemes over 55, Barclays Bank pensioner mortgages over 70s, Post Office pensioner mortgages over 60, Legal and General mortgages over 70s, Royal Bank of Scotland interest only retirement mortgages for over 70s and Nationwide retirement interest only mortgages over 60 are 45%, 55% and 65%.

Do Bridgewater do Equity Release Under 55?

Yes, Bridgewater Equity Release Under 55 is 1.83% APRC.

Common LTV ratios of Aviva mortgages for 60 plus pensioners, Shepherds Friendly lifetime mortgages for over 60s, Leeds Building Society over 60 lifetime mortgages no fees, Skipton Building Society equity release schemes for people over 70, Nottingham Building Society help to buy for over 60s and National Counties Building Society mortgages for over 70s are 35%, 55% and 70%.

Aviva Lifetime Mortgages for Pensioners
More 2 Life Flexi Choice Drawdown Lite Plan
Bridgewater Lifetime Mortgage
More to life Capital Choice Plus Plan
Nationwide Interest Only Lifetime Mortgage
Nationwide Equity Release Schemes
Lloyds Bank Lifetime Mortgage
More 2 Life Flexi Choice Drawdown Lite Plan
TSB Lifetime Interest Only Mortgage
Canada Life Equity Release Plans
Just retirement defined benefit
Stonehaven Lifetime Mortgage
NatWest Equity Release Plans
Royal Bank of Scotland Lifetime Mortgage
Saga Equity Release Schemes
Hodge Indexed Lifetime Mortgage
Just retirement equity release lifetime mortgages
Nationwide Equity Release
HSBC Equity Release Plans
NatWest Equity Release Schemes

Popular pensioner mortgage products are Lloyds mortgages for 60 plus, HSBC lifetime mortgages, Halifax pensioner mortgages over 70s, Legal & General later life interest only mortgages over 60 and Nationwide Building Society later life mortgages.

Do Bridgewater do Lifetime Mortgages?

Yes, Bridgewater do lifetime mortgages at 1.99% MER. Bridgewater Lifetime Mortgages have a loan to value (ltv) of 65%.

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