
- Remove tax-free equity from your property at 4.63% with Buckinghamshire Building Society equity release
- No regular monthly payments
- Use the money for home improvements
- Continue to stay in your property
- Non-standard property titles considered
How much can I release?
You can borrow 70% of your property’s value. For example, if your house is valued at £190000, you can get £133000.



Mrs Shaw from Lancaster
I had an interest-only mortgage with Birmingham Midshires. The mortgage had reached the end of its term, and they wanted the £127000 back I still owed them. My lifetime mortgage saved me from losing my home, and the rate was close to what I paid before.

Mr Smith from Kendal
My financial advisor told me I should get equity release and gift money to my five children now as it would save a massive amount of inheritance tax.
Ms T from Hammersmith
My husband recently died, leaving me with a mortgage I could not afford to pay. The lifetime mortgage allowed me to pay off the mortgage and have enough money left over for a new bathroom, kitchen, and roof repair.

Sophie G from Aberdeen
As interest rates are so low now, I got an interest-only lifetime mortgage to invest in the stock market. I paid only a valuation fee and a solicitor’s fee, no brokers’ or lenders’ fees.


Equity Release from Buckinghamshire Building Society
Challenging to finance property variants include properties with outbuildings used for everyday domestic purposes (garage, workshop, stables, barn, etc), properties with flying or creeping freehold, which comprises 15% or less of the total floor area, agricultural use of the land and any outbuildings, properties, where there is a self-contained part of the property or annexe, i.e. basement flat etc and properties which have been built on a previously contaminated land are acceptable provided the result of an environmental search, determine the land to be clear of contamination.
Canada Life Drawdown Lifetime Mortgages
Tough-to-finance property titles can include rent charges properties with a high estate rentcharge, properties without a kitchen or bathroom, derelict property or where part of the building is in severe disrepair and needs demolishing, cob property and Airey, Boot, Cornish Unit, Dorran, Dyke, Gregory, Hamish Cross, Myton, Newland, Orlit and Parkinson Frame.
Pure Retirement Lifetime Mortgages
Equity Release Loan To Value for Buckinghamshire Building Society equity release
The more elderly you are and the sicker you are, the more cash you can release.
What percentage can be released?
- 50% home reversion schemes Old Mutual Wealth
- 30% loan to value (LTV) lumpsum lifetime mortgages Masthaven
- 40% loan to value (LTV) home reversion schemes United Trust Bank
- 55% loan to value home reversion plans Key Retirement
- 35% loan to value monthly payment equity release Pure Retirement
- 30% LTV home reversion plans Loughborough Building Society
Drawbacks of Lifetime Mortgages compared with Buckinghamshire Building Society equity release
Home reversion plans can reduce the value of your estate. Home reversion schemes may impact entitlements to state benefits. You may need to pay a valuation fee, and some products may expose you to changes in interest rates.
- Bridgewater Equity Release Plans
- Buckinghamshire Building Society equity release plans
- Just retirement equity release lifetime mortgages
- L&G Legal & General Flexi Max Voluntary Repayment Plan
- Pure Retirement Classic Drawdown Lite Plan
- NatWest Interest Only Lifetime Mortgage
- More to Life Capital Choice Plan
- Royal Bank of Scotland Equity Release
- More to life Flexi Choice Drawdown Lite Plan
- Hodge Lifetime Flexible Voluntary Repayment Plan
- Royal Bank of Scotland Equity Release Plans
- Hodge Lifetime Flexible Voluntary Repayment Plan
- Pure Retirement Drawdown Plan
- NatWest Equity Release Plans
- Saga Equity Release Schemes
- Canada Life Interest Select Gold Flexi
- Hodge Indexed Lifetime Mortgage
- Stonehaven Interest Select Plan
- Nationwide Equity Release Plans
- TSB Equity Release Plans
- Age Partnership Equity Release
It is often found to find individuals searching for monthly payment lifetime mortgages, monthly payment lifetime mortgages or interest-only lifetime mortgages; however, the Telegraph, like Maximum Cover Equity Release, are keen to see proof of your circumstances in the form of pension statements.


Equity Release Lenders
- Key Solutions
- Saga
- Sunlife Plans
Business owners who could benefit from equity release estate planning
- Plumbing, heat and air-conditioning installation Goole
- Activities of trade unions Birkenhead
- Combined office administrative service activities Ivybridge
- Activities of financial services holding companies Mitcham
- Wholesale of pharmaceutical goods Redhill
- Manufacture of engines and turbines, except aircraft, vehicle and cycle engines Marlborough
- Driving school activities Christchurch
- Repair of household appliances and home and garden equipment in Southsea
- Activities of extraterritorial organizations and bodies Ashby-de-la-Zouch
- Agents involved in the sale of food, beverages and tobacco Market Rasen
- Landscape service activities Hounslow
- Manufacture of soft drinks; production of mineral waters and other bottled waters in Chudleigh
- Activities of amusement parks and theme parks Helmsley
- Motion picture projection activities Southwell
- Other non-ferrous metal production Oakham
- Cargo handling for land transport activities Earl Shilton
- Manufacture of other furniture Petworth
- Activities of construction holding companies Snaith and Cowick
Hard-to-finance property types can include timber-framed properties built before 1920, timber-framed properties built between 1920 and 1965, properties with a minimum floor area of 30 square metres, coach houses i.e. freehold properties with garages beneath and properties where the flat is accessed via a deck or balcony.
- Melton Mowbray Building Society Over 65 Mortgage
- Lifetime Mortgage Equity Release Schemes
- No Credit Check Pensioner Mortgage Calculator
- Hanley Economic Building Society Later Life Mortgages
- Rio Mortgage Rates
Equity Release Rates Explained
Equity release products are becoming an increasingly popular financial tool for homeowners, especially those in their retirement years. With various products on the market, understanding the rates and implications of each is paramount. In this guide, we’ll break down each category to provide clarity.
Lifetime Mortgage Rates
Introduction to Lifetime Mortgage Rates
Lifetime mortgages are a type of equity release product in which homeowners borrow money against the value of their home while retaining ownership.
How They Work
With a lifetime mortgage, interest is added to the amount you owe, typically rolled up or compounded. Over time, this can significantly increase the total amount you owe.
Factors Influencing Rates
Several factors can influence lifetime mortgage rates, including the Bank of England base rate, the age of the youngest homeowner, and the overall loan-to-value ratio.
Advantages and Disadvantages
Pros
For many, the primary advantage is accessing funds without moving or downsizing.
Cons
However, the compounded interest can significantly reduce the inheritance left for beneficiaries.
Interest Only Lifetime Mortgage Rates
Overview of Interest-Only Lifetime Mortgages
Unlike standard lifetime mortgages, an interest-only product requires homeowners to make monthly interest payments, ensuring the original loan amount doesn’t increase.
Key Benefits
The primary advantage is the loan amount remains constant, provided monthly interest is consistently paid.
Comparison with Standard Lifetime Mortgages
While monthly payments are required, the overall debt does not grow, offering more predictable financial planning.
Interest Only Retirement Mortgage Rates
Insight into Interest Only Retirement Mortgages
These mortgages allow retirees to make monthly interest payments on their mortgage without reducing the original loan amount.
Rate Determinants
The applicant’s age, market conditions, and loan-to-value ratios can influence these mortgage rates.
Choosing the Best Rates
Given the specific nature of interest-only retirement mortgages, consultation with a financial advisor and rate comparison is vital.
- Harpenden Building Society Mortgage Rates 2025
- Problems With Flat Roofs
- Buckinghamshire Building Society Equity Release Calculator
- Equity Release Belfast UK
- Bridgewater Equity Release Loan
- Yorkshire Building Society Over 75 Mortgage
- Liverpool Victoria Equity Release Reviews
Retirement Mortgage Rates
What Are Retirement Mortgages?
Retirement mortgages, often known as Retirement Interest-Only (RIO) mortgages, enable retirees to borrow money while planning to repay it, usually when selling the property.
Factors Affecting Rates
The applicant’s age, property value, and overall economic conditions play a role in determining retirement mortgage rates.
Comparing Providers
With a growing number of lenders offering retirement mortgages, comparison tools and expert advice can help find the best rates.
- Flying Freehold Over Shared Passageway
- Flat Above Shop Mortgage
- Progressive Building Society Retirement Mortgage
- Equity Release Under 50 Broker
- Manchester Building Society Pensioner Mortgage Calculator
Pensioner Mortgage Rates
Defining Pensioner Mortgages
Catering specifically to retirees, these mortgages consider the unique financial circumstances of pensioners.
Advantages of Pensioner Mortgages
These mortgages provide flexibility in repayment terms and recognise alternative income sources like pensions.
Finding Competitive Rates
Given the range of products on the market, thorough research and expert consultation can lead pensioners to the best available rates.
- bisf house Lifetime Mortgage Home Reversion Plan
- Legal And General Pensioner Mortgage Calculator
- Mortgages For 60-Year-Olds
- Gloucester Building Society Lifetime Mortgage
- Barclays Retirement Interest Only Mortgage Calculator
- Chorley & District Building Society
RIO Mortgage Rates
Zooming into RIO Mortgages
Retirement Interest-Only (RIO) mortgages are for older borrowers. They allow only interest repayments, with principal repayment typically upon property sale.
Attractiveness of RIO Mortgages
These mortgages offer lower monthly payments with a predetermined exit strategy.
Obtaining Competitive RIO Mortgage Rates
Given their growing popularity, it’s crucial to research and compare various RIO mortgage rates to ensure optimum financial terms.
- Farmers Interest Only Lifetime Mortgage
- Barnsley Building Society Equity Release Rates 2025
- Best Mortgages For Over 50s Retirement Mortgage
- Living Under Power Lines
- Rbs Lifetime Mortgage No Credit Check
- Later Life Mortgages
- Canada Life Equity Release Schemes
Release Equity
Fundamentals of Releasing Equity
Equity release allows homeowners to tap into their property’s value without moving.
Types of Equity Release
The two primary forms include lifetime mortgages and home reversion plans. Each has distinct rates and terms.
Deciding Factors for Rates
The homeowner’s age, property valuation, and prevailing market conditions influence equity release rates.
- National Counties Family Building Society Later Life Mortgages
- Equity Release Under 40
- Natwest Equity Release Best Deals
- Liverpool Victoria Lifetime Mortgage Interest Rates
- Scottish Building Society No Fees
- Teachers Building Society Interest Only Lifetime Mortgage
Retirement Interest Only Mortgage Rates
Deciphering RIO Mortgage Rates
RIO mortgages present an alternative solution for retirees looking to utilise their property’s equity. Understanding the rates is fundamental.
Distinctiveness of RIO Rates
These rates can differ from standard mortgage rates due to the age factor and unique repayment terms.
- Key Retirement Over 75 Mortgage
- No Fee Equity Release
- Swansea Building Society Over 70 Mortgage
- Bath Building Society Equity Release Home
- Cambridge Building Society Histon Retirement Mortgages
- Should You Buy A House With Subsidence
- Mortgages For Over 70S
- Equity Release Bank Of Scotland
Securing Optimal RIO Rates
Research, rate comparisons, and financial consultations are key to navigating and securing the best RIO mortgage rates.
Understanding the intricacies of equity release rates, from lifetime mortgages to RIO mortgages, equips homeowners to make informed decisions tailored to their financial needs and retirement aspirations.
- Mortgages For 60-Year-Olds
- Nationwide Lifetime Mortgage Reviews
- Monmouthshire Building Society Pensioner Mortgage
- Ipswich Building Society Over 75 Mortgage
- Coventry Building Society Equity Loan
- Mortgage On Studio Flat
- Crown Equity Release Home
- Short Leasehold Pensioner Mortgage


Towns of the UK where Lifetime Mortgages are popular
- Knutsford
- Earley
- Enfield
- Highworth
- Wilton
- Newlyn
- Chagford
- Brigg
- Ashburton
- Lynton & Lynmouth
- Rothbury
- Erith
- Brampton
- Seaham
The 1st and 2nd charge lenders will want to know if the property is a semi-detached freehold house or a Leasehold flat with a share of freehold and if the resident is an Assured shorthold tenancy tenant.
Hard-to-finance property types can include properties in poor condition, age-restricted properties, leasehold properties (England, Wales, Northern Ireland) subject to a lease length of 160 years, and properties with owned solar panels. The customer is offering only part of the title in these properties as security for the loan.

Popular loan to-value percentages Aviva over 60 mortgages, Direct Line pensioner mortgages over the 70s, Churchill retirement interest-only mortgages over 60, Principality Building Society over 60-lifetime mortgages, Newcastle Building Society over 60-lifetime mortgages no fees and Cumberland Building Society interest-only lifetime mortgages for over 70s are 45%, 55% and 70%.
Equity Release Mortgage Under 55
Some of the most popular loans to values of Liverpool Victoria are mortgages for 60-year-olds, More to Life mortgages for over 65, OneFamily mortgages for over 65, YBS mortgages for those over the 70s, Metro Bank lifetime mortgages for those over 60s and SunLife remortgages for people over 50 years old are 50%, 60% and 65%.

Popular loan-to-value percentage ratios of Lloyds retirement interest-only mortgages over 60, Barclays mortgages for over 65, Halifax RIO mortgages over 75, L&G equity release schemes for people over 70, Royal Bank of Scotland mortgages for people 60 plus and Nationwide Building Society RIO mortgages over 75 are 50%, 60% and 65%.

Some of the most popular retirement mortgage products are TSB lifetime mortgages, Barclays help to buy for those over 60s, Post Office remortgages for people over 50 years old, Legal and General mortgages for those over 65 and Nationwide Building Society mortgages for over 60s.

Does Buckinghamshire Building Society offer retirement remortgages for over 60s?
A Buckinghamshire Building Society retirement remortgage over 60 is 3.67% AER fixed for life.
Does Buckinghamshire Building Society offer a pensioner remortgage for homeowners over 60?
Buckinghamshire Building Society pensioner remortgages for the over 60s are 3.66% MER fixed.
Does Buckinghamshire Building Society do a later life remortgage for pensioners over 60?
Buckinghamshire Building Society’s later life remortgages for those over 60 are a 3.19% APR variable.
Does Buckinghamshire Building Society do best remortgages for retired for the over 60s?
The Buckinghamshire Building Society’s best remortgage for retired pensioners over 60 is a 3.36% MER variable.
Does Buckinghamshire Building Society offer remortgaging options for the over 60s?
Yes, a Buckinghamshire Building Society remortgaging option for people over 60 is 3.41% APR fixed.
Does Buckinghamshire Building Society do a mortgage calculator for retired homeowners over 60?
Yes, Buckinghamshire Building Society mortgage calculators for the over 60s show a 4% AER variable.
Does Buckinghamshire Building Society do RIO mortgages for the over 60s?
A Buckinghamshire Building Society RIO mortgage for people over 60 is a 3.54% MER variable.
Do Buckinghamshire Building Society offer retirement interest only mortgages for the over 60s?
A Buckinghamshire Building Society retirement interest-only mortgage over 60 is a 3.04% MER variable.
Gracie Byrne from Lichfield on Buckinghamshire Building Society Interest Rates
I recently delved into the Buckinghamshire Building Society’s offerings, swayed by the favourable mentions on Trustpilot. Their calculator proved to be a pivotal tool in understanding loan-to-value ratios. The low interest rates and no-fees policy were exactly what I was looking for, facilitating my retirement planning.
Grace Burns from Stoke on Trent Discusses Buckinghamshire Building Society Reviews
The comprehensive reviews on Google Reviews greatly influenced my decision to engage with Buckinghamshire Building Society. The absence of monthly repayments and the provision of a free valuation service made the entire process transparent and straightforward, perfectly aligning with my financial goals for retirement.
Alexander Porter from Worcester on Buckinghamshire Building Society RIO Mortgage
After thorough research, including perusing feedback on reviews.io, I opted for an RIO mortgage with Buckinghamshire Building Society. Their inclusive policy, particularly the no-credit-check approach, was a significant draw for me, given my bad credit history. This enabled me to secure my financial future with minimal stress.
Noah Skinner from St Albans on Buckinghamshire Building Society Interest Only Retirement Mortgage
Positive reviews on Trustpilot made my decision to opt for an interest-only retirement mortgage from Buckinghamshire Building Society easier. Their competitively low interest rates and straightforward no-fee policy gave me the financial stability and peace of mind necessary for my retirement planning.
Mia Lloyd from Dundee on Buckinghamshire Building Society Pensioner Mortgage
Embarking on a pensioner mortgage with Buckinghamshire Building Society was an informed decision, bolstered by insightful reviews on Google Reviews. The lender’s online calculator and clear policies regarding loan-to-value ratios, no fees, and free valuation ensured a smooth and beneficial process, making it an ideal choice for my financial requirements.
Last updated: January 24, 2025 at 7:44 am
Updated: 120 day(s) ago
Today's date: May 25, 2025
Remaining days in the month: 6 day(s)
Property Metric | Value |
---|---|
Equity Release Over 55 | 4.61% |
Retirement Interest Only Mortgage (RIO) Income Required | 4.43% |
Interest Only Lifetime Mortgages | 4.53% |
Standard UK Residential Mortgage 2 Year Fixed | 4.34% |
Standard UK Residential Mortgage 5 Year Fixed | 4.21% |
Adverse Credit UK Residential Mortgage 2 Year Fixed | 5.06% |
Adverse Credit UK Residential Mortgage 5 Year Fixed | 4.92% |
Homeowner Loans | 6.56% |
Bad Credit Secured Loans | 9.67% |
Prime Car Finance | 4.58% |
Bad Credit Car Finance | 7.59% |
Average Number of Days for a House Sale to Complete | 101 |
Average UK House Price | £293000 |
Average UK House Price Per Square Foot | £266.36 |