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Lifetime mortgages and Equity Release on buy to let properties

buy to let equity release

  • 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.

  • Free No Obligation Quote

  • Please enter a number from 3000 to 2000000000.
  • Please enter a number from 30000 to 100000000.
  • Leave blank if no mortgage outstanding
  • About You

Home equity Tied Up
Wandsworth Family Home
Putney Home
Raise money with your home

  • Free No Obligation Quote

  • Please enter a number from 4000 to 20000000.
  • Leave blank if no mortgage outstanding
  • About You

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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

Voluntary Payments Equity Release UK

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%.

Aviva lifetime mortgage

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%.

Just Retirement - Roll-Up Lifetime Mortgage

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%.

Hodge Lifetime - Lump Sum Lifetime Mortgage

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.

Just lifetime mortgage

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.

Voluntary Payments Equity Release Bad Credit

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.