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4.43% APRC Crown Equity Release With Free Valuation

Crown Equity Release

  • Release tax-free cash from your house
  • Not necessary to make monthly payments with Crown Equity Release
  • Free valuation
  • Use the equity released for anything you like
  • Are you still paying a mortgage? No problems
  • Stay living in your own home for as long as you like
  • Can be used to optimise tax planning

How much cash can I release?

You can achieve 65% of your property’s valuation. As an example, if your house is valued at £360000 you can borrow £234000.

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Testimonials and Example Cases


Sophie G from Aberdeen

The financial advisor I’ve had for 25 years said I could save inheritance tax by getting £350,000 of equity release. The money was lent at a very low-interest rate close to 2% and competitive with normal mortgages you would get by proving income. I have saved a lot of tax.


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 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.


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 E from London

I was advised to get equity release from my East London home to minimise inheritance tax. My son and daughter used the money to pay down their mortgages. The interest rate on the equity release was so low it was close to their mortgage rate.


Mr Williamson from Chiswick


My son is a chef in a care home. He is not well paid. No way his bank would lend him the money to buy a flat. My equity release enabled him to put a substantial deposit down so his mortgage was very small. My equity release interest rate was close to his interest rate offered by his bank.

Ms G from Dover

I divorced my husband who was a violent alcoholic. I really feared losing my home as I sometimes look after my daughter’s children. Equity release enabled me to pay off my ex and stay secure in my home.


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.


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.


Mrs L from Nottingham

I had to pay a valuation fee and a solicitor’s fee, but no lender or broker fees for my lifetime mortgage. As I was divorcing my husband of 30 years the money went to him for his share of the house. I am happy now as I am secure, and I do not need to move from my home.

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  • Please enter a number from 4000 to 20000000.
  • Leave blank if no mortgage outstanding
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London House Finance

Tough to mortgage property variants include rentcharges properties with a high estate rentcharge, properties close to mining works, areas of landfill, areas of recent flooding or subsidence, some properties with sitting tenants or regulated tenancies, thatched buildings and missing planning permission or building regulations approval.

Cash tied up in home

Tough to mortgage home variants can include flats of less than 30 square metres in any location, properties with room(s) or outbuilding(s) used for a small amount of personal commercial use, grades l and ll* Listed Buildings in England & Wales (Grades A and B in Scotland; A, B+ and B1 in Northern Ireland), properties with mobile phone masts which are not within influencing distance of the house 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.

Legal & General Home Finance lifetime mortgage

Hard to mortgage property types include Timber-framed properties constructed post-1965, timber framed properties built between 1920 and 1965, steel frame/clad properties built before 1990, former local authority flats and privately developed flats in blocks of three or four storeys without a lift.

More to life - Capital Choice Plan

Difficult to finance home types can include poorly maintained at the time of the valuation inspection, properties where the ownership is set up on a tenancy in common basis, leasehold properties (England, Wales, Northern Ireland) subject to a lease length of 160 years, crofted houses and properties with leased solar panels.

Pure Retirement Ltd lifetime mortgage

Common loan to value ratios of Aviva lifetime mortgages for over 55s, Shepherds Friendly equity release plans for people over 60, Sainsburys mortgages for over 60s, Coventry Building Society retirement mortgages over 70, West Bromwich Building Society lifetime mortgages for over 60s and Progressive Building Society pensioner mortgages over 55 are 45%, 60% and 70%.

Just Retirement - Roll-Up Lifetime Mortgage

Popular loan to value ratios of Liverpool Victoria retirement mortgages over 70, More 2 Life mortgages for people over 50, One Family mortgages for over 65, YBS interest only lifetime mortgages for over 60s, Royal London interest only mortgages for over 60s and SunLife interest only mortgages for over 65 year olds are 40%, 60% and 65%.

Downsides of Equity Release Plans

Monthly payment equity release can reduce the inheritance for your family. Monthly payment equity release 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.

  • Canada Life Lifetime Mortgage
  • Hodge Equity Release Schemes
  • Just retirement equity release key features
  • More to life Capital Choice Plan
  • Lloyds Bank Equity Release
  • Aviva Equity Release Plans
  • Hodge Lifetime Flexible Voluntary Repayment Plan
  • More to Life Capital Choice Plus Plan
  • Pure Retirement Equity Release Schemes
  • Nationwide Equity Release
  • TSB Equity Release Plans
  • Age Partnership Interest Only Lifetime Mortgage
  • Bridgewater Equity Release Schemes
  • Hodge Indexed Lifetime Mortgage
  • Pure Retirement Equity Release Schemes
  • Nationwide Interest Only Lifetime Mortgage
  • NatWest Equity Release
  • Saga Equity Release Plans
  • Hodge Lifetime Mortgage Plus
  • Just Retirement Equity Release
  • Lloyds Bank Equity Release Plans
  • Royal Bank of Scotland Equity Release Schemes
  • Age Partnership Equity Release Plans

Equity Release Loan To Value

  • 55% monthly payment life time mortgage AIG Life
  • 30% loan to value monthly payment equity release Evolution Money
  • 35% loan to value interest-only lifetime mortgages Pure Retirement
  • 40% loan to value lump sum lifetime mortgages Foundation Home Loans
  • 25% loan to value (LTV) lifetime mortgage with flexible drawdown cash release Holmesdale Building Society
Lloyds Retirement Mortgage Rates 2019

How much is it common to release from a home

The more elderly you are and the more illnesses you have you are the more cash you can release.

It is often found to find people seeking out interest-only lifetime mortgages, monthly payment life time mortgage or monthly payment crown equity release, however, Legal and General like Fortify Insurance Solutions are keen to see evidence of your circumstances in the form of pension statements.

Lloyds Retirement Mortgage UK

Does Crown offer Equity Release?

Yes, Crown Equity Release is 2.15% APR.


Legal and General Lifetime Mortgages

LV Lifetime Mortgages

Areas where equity release is popular

  • Eastwood
  • Littlehampton
  • Brandon
  • Droitwich Spa
  • Crowborough
  • Swanscombe and Greenhithe
  • Epping
  • Woking
  • Norton-on-Derwent
  • Wirksworth
  • Kendal
  • Church Stretton
  • Fleet
  • Brackley
  • St Ives
  • Upton-upon-Severn
  • Desborough
  • Poynton-with-Worth
  • Cramlington

Does Crown offer Pensioner Mortgages?

Yes, Crown Pensioner Mortgages are 1.8% MER.

Understanding Your Options: Crown Equity Release and Mortgages

When considering financial solutions in your later years, exploring all available avenues is essential. Crown equity release and crown lifetime mortgages are two prominent choices in the UK market.

Crown Equity Release: This option can be a lifeline for those aged 70 and above. It allows homeowners to unlock the value tied up in their property without moving out. The funds can be used for various purposes, from home improvements to helping out loved ones. The interest is often rolled up, meaning you don’t need to make monthly repayments. Instead, the loan and accrued interest are repaid once the house is sold.

Crown Lifetime Mortgage: Targeted at those over 60, a crown lifetime mortgage is a type of loan secured against your home. You retain full ownership of your property but can access a portion of its value in cash. Like with equity release, there are typically no monthly repayments. The loan amount, along with interest, is settled when the property is eventually sold.

Both options can provide valuable financial flexibility in retirement, but seeking professional advice is crucial to understand which might be best for your circumstances.

Equity Release Rates: An In-depth Look

Equity release has grown in popularity as a means for homeowners, especially those in the senior age bracket, to tap into the value of their properties without selling. With various schemes tailored to different age groups and needs, it’s crucial to understand the landscape. Here, we’ll dive deep into equity release rates, shedding light on options available for different age groups.

Mortgages Over 55

As individuals approach retirement, the prospect of securing a traditional mortgage can become challenging. However, equity release schemes tailored for those over 55 can be a viable solution.


  • Provides homeowners with the opportunity to access funds without monthly repayments.
  • Flexible fund use, be it for travel, home improvement, or debt repayment.


  • Rates might be higher than traditional mortgages, given the age factor.
  • It’s essential to understand the long-term implications for your estate and potential inheritance.

Mortgages Over 60

A time when many are deep into their retirement plans, considering equity release can provide additional financial security.


  • Increased loan amounts due to age and typically higher property value.
  • More providers offer products for this age group, ensuring competitive rates.


  • Evaluate the impact on means-tested benefits.
  • Understand the compound nature of interest over time.

Mortgages Over 65

The demand for products catering to this age group has seen significant growth. As a result, there are tailored packages with competitive rates.


  • Potentially higher loan-to-value ratios.
  • More flexibility in how you receive and use the funds.


  • The longer the loan’s duration, the more interest accrues.
  • Professional advice is essential to navigate potential pitfalls.

Mortgages Over 70

With a growing number of septuagenarians opting for equity release, the market has responded with products tailored specifically for them.


  • Higher potential loan amounts.
  • Several options are available, from lump-sum to drawdowns.


  • Interest can accumulate quickly, reducing the estate’s value.
  • Ensure the plan aligns with your financial goals.

Mortgages Over 75

Age can bring about more significant financial needs, from health to general living expenses, making equity release an appealing option for those over 75.


  • High loan-to-value offerings.
  • Typically lower interest rates due to shorter loan durations.


  • It’s essential to assess the impact on inheritance.
  • Consultation with family members is advisable.

Retirement Remortgages

Not solely about equity release, retirement remortgages allow retirees to refinance their existing mortgages under favorable terms.


  • Potentially lower interest rates.
  • Can consolidate other debts into a single payment.


  • There may be fees associated with remortgaging.
  • Ensure the new terms align with your retirement financial plan.

Pensioner Remortgage

Specifically designed for pensioners, these products consider the unique financial circumstances of those drawing a pension.


  • Tailored to the pensioner’s income structure.
  • Provides financial flexibility in retirement.


  • Rates can vary; it’s essential to shop around.
  • Understand any potential impact on pension income or benefits.

Lifetime Mortgage

One of the most popular equity release products, a lifetime mortgage allows homeowners to secure a loan against their property.


  • No need to make monthly repayments.
  • Interest is ‘rolled up’ and paid when the property is sold.


  • Interest can compound over time, increasing the total amount owed.
  • Can impact the value of your estate and potential inheritance.

Release Equity vs. Equity Release

While they sound similar, these are distinct concepts. Releasing equity involves any method of accessing your home’s value, while equity release refers to specific financial products.

Equity Release Scheme Lenders similar to Crown Equity Release

  • Key Retirement
  • LV lifetime mortgage
  • Age Concern
  • Stonehaven
  • Crown Equity Release

Does Crown offer Retirement Mortgages?

Yes, Crown Retirement Mortgages are 2.03% APR.

Popular pensioner mortgage products are Lloyds interest only mortgages for over 65 year olds, Barclays Bank mortgages for people over 50, Halifax interest only lifetime mortgages, L&G over 60 mortgages and Nationwide Building Society interest only lifetime mortgages.

Does Crown offer Equity Release Under 55?

Yes, Crown Equity Release Under 55 is 2.16% MER.

Successful business owners who could benefit from Crown equity release tax planning

  • Non-life insurance Christchurch
  • Manufacture of plastic packing goods Minchinhampton
  • Retail sale of telecommunications equipment other than mobile telephones Ulverston
  • Wholesale of mining, construction and civil engineering machinery Rothwell
  • Manufacture of basic pharmaceutical products Glossop
  • Pre-press and pre-media services Kempston
  • Retail sale of sports goods, fishing gear, camping goods, boats and bicycles Oakham
  • The casting of light metals Mitcham
  • Production of abrasive products Irthlingborough
  • Cold drawing of bars Hedge End
  • Manufacture of wine from grape Ashington
  • Manufacture of other paper and paperboard containers Shanklin
  • Transmission of electricity Seaford
  • Post-harvest crop activities Wendover
  • Television programme distribution activities Maltby
  • Cutting, shaping and finishing of stone Carnforth
  • Manufacture of cider and other fruit wines Bexley
  • Renting and leasing of other personal and household goods Saxmundham

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

Popular loan to value percentage ratios of TSB RIO mortgages over 75, Barclays Bank mortgages for people over 50, Post Office retirement mortgages over 65, Legal & General mortgages over 65, Bank of Scotland retirement mortgages over 70 and Nationwide Building Society equity release schemes for people over 70 are 45%, 60% and 70%.

Does Crown offer Lifetime Mortgages?

Yes, Crown does lifetime mortgages at 2.11% APRC. Crown Lifetime Mortgages have a loan to value of 65%.

Does Crown offer retirement remortgages for the over 60s?

Yes, a Crown retirement remortgage for retired homeowners over 60 is 3.17% APR variable.

Does Crown do pensioner remortgages for the over 60s?

Yes, a Crown pensioner remortgage for retired homeowners over 60 is 3.89% AER fixed for life.

Does Crown do later life remortgages for over 60s?

Yes, a Crown later life remortgage for homeowners over 60 is 3.42% MER variable.

Does Crown offer the best remortgages for the over 60s?

Yes, a Crown the best remortgage for retired for pensioners over 60 is 3.18% AER fixed.

Does Crown offer remortgage options for the over 60s?

Yes, a Crown remortgaging option for pensioners over 60 is 3.12% APR variable.

Does Crown do mortgage calculators for over 60s?

Yes, a Crown mortgage calculator for retired homeowners over 60 will show 3.17% APRC fixed for life.

Does Crown offer a RIO mortgage for the over 60s?

Yes, Crown RIO mortgages for homeowners over 60 are 4% MER variable.

Does Crown offer retirement interest only mortgages for the over 60s?

Yes, a Crown retirement interest only mortgage over 60 is 3.03% MER fixed for life.