Remove tax-free money from your home or BTL Buy to Let property with buy to let equity release
No regular monthly payments – unless you prefer to just pay interest
Free valuation
Use the money to keep another family member away from a high LTV mortgage
Continue to collect rent from your rental property

How much cash can I release?

You can get 70% of your home’s valuation. As an example, if your house is valued at £240000 you can get £168000.

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Equity Release LTV – buy to let equity release

50% interest-only lifetime mortgages AIG Life
25% loan to value (LTV) monthly payment lifetime mortgage Central Trust
60% LTV lifetime mortgage with flexible drawdown cash release Paragon Personal Finance
35% loan to value (LTV) home reversion plans Shawbrook
30% loan to value (LTV) lifetime mortgage with flexible drawdown cash release Mansfield

Areas where buy to let equity release is popular

Barnes
Carnforth
Arundel
Billericay
Yate
Reepham
Lynton & Lynmouth
Eastbourne
Downham Market
Normanton
Weston-super-Mare
Gillingham
Hungerford
Bottesford
Budleigh Salterton
Bury

It’s common to find individuals seeking out lump sum lifetime mortgages, lump sum lifetime mortgages or monthly payment equity release, however, Sunlife Plans like AIG Life are keen to see evidence of your circumstances in the form of bank statements.

Business owners who could benefit from equity release tax planning

Manufacture of plaster products for construction purposes Rushden
Wholesale of meat and meat products Frodsham
Landscape service activities Keynsham
Activities of professional membership organizations Bollington
Another retail sale of new goods in specialised stores, not commercial art galleries and opticians Tavistock
Mixed farming Oundle
Collection of hazardous waste Kidderminster
Raising of other animals Thame
Manufacture of electronic industrial process control equipment Watton
Archives activities Pickering
Ready-made interactive leisure and entertainment software development Fordbridge
Risk and damage evaluation Southam
Hotels and similar accommodation Woodstock
Security and commodity contracts dealing activities Longridge
Other passenger land transport Chipping Campden
Other activities of employment placement agencies Broadstairs and St Peters
Wholesale of textiles East Grinstead
Specialised cleaning services Leatherhead

LV Mortgages

Many of the most appealing pensioner finance products are Lloyds Bank retirement mortgages, Barclays mortgages for people 60 plus, Post Office retirement mortgages, Legal and General interest only mortgages for over 60s near London and Nationwide BS mortgages for people 60 plus.

Canada Life Mortgages

Popular loan to value percentages of Lloyds Bank retirement mortgages over 60, Barclays Bank retirement mortgages over 70, NatWest lifetime mortgages for over 55s, Legal and General mortgages for over 60s, Royal Bank of Scotland interest only lifetime mortgages for people over 60 and Nationwide lifetime mortgages for over 55s are 45%, 55% and 70%.

Popular loan to value percentages of LV= help to buy for over 60s, More to Life over 60 mortgages, One Family remortgages for people over 50 years old, Yorkshire Building Society later life borrowing schemes over 55, Metro Bank RIO mortgages over 75 and Sun Life retirement mortgages over 70 are 45%, 60% and 70%.

Common loan to values of Virgin Money mortgages for 60 year olds, Zurich mortgages over 65, Sainsburys retirement mortgages over 70, Principality Building Society later life interest only mortgages over 70, Nottingham Building Society mortgages for 60 plus and Progressive Building Society remortgages for people over 50 years old are 40%, 60% and 65%.

Difficult to mortgage home types can include poorly maintained at the time of the valuation inspection, properties where multiple third parties are living in an annexe, right to buy – properties in England, Wales and Northern Ireland, leasehold properties (with the exception of flats and maisonettes) and properties with single skin brickwork.

Difficult to finance home variants can include pre-fabricated reinforced concrete (PRC), properties with spray foam insulation applied to the underside of the roof, studio flats located within the M25, coach houses i.e. freehold properties with garages beneath and basement or lower ground floor flats without level access to private or communal garden space.

Downsides of buy to let equity release

Interest-only lifetime mortgages can reduce the value of your estate. Interest-only lifetime mortgages may impact entitlements to state benefits. You may need to pay an advisor’s fee and you could be exposed to changes in interest rates with some products.

The mortgage lender will want to know if the property is a Freehold terraced house or a Leasehold flat and if the resident is an Private Tenant.

More 2 Life Tailored Choice Plan
Just Retirement Drawdown Lifetime Mortgage
Nationwide Equity Release Schemes
HSBC Interest Only Lifetime Mortgage
Aviva Lifestyle Flexible Option
More to life Capital Choice Plan
Hodge Equity Release Plans
buy to let equity release
HSBC Lifetime Mortgage
TSB Equity Release Schemes
NatWest Equity Release Schemes
NatWest Equity Release Schemes
Canada Life Equity Release
Nationwide Equity Release
HSBC Equity Release
Royal Bank of Scotland Interest Only Lifetime Mortgage

Equity Release LTV with buy to let equity release

The older you are and the unhealthier you are the more tax free cash you can release.

Equity Release Scheme Lenders for buy to let equity release

Age Partnership
LV equity release
Age Partnership
Prudential Lifetime
AIG Life

Challenging to mortgage property variants include properties built or converted into dwellings more than 10 years ago, 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 have solar farms or a large number of wind turbines on the land and properties adversely affected by existing or proposed issues including roads, rail, airports, power plants, power lines/pylons, wind turbines, sub stations, sewage works, quarries, fuel stations, refuse sites, sports grounds, noise, light or environmental pollution.

Tough to finance property variants include high service charges, properties with any kind of structural defect, damp, dry or wet rot, some properties with sitting tenants or regulated tenancies, mundic homes and missing planning permission or building regulations approval.

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