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Discover the benefits of Darlington Equity Release for homeowners

Darlington Equity Release

  • Remove money from your home
  • No monthly repayments with Darlington Building Society Equity Release
  • Help your family get a deposit for their own home
  • Continue to stay in your house for as long as you like

How much cash can I get?

You can achieve 65% of your home’s valuation. For example, if your home is worth £180000 you can get £117000.

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Customer Testimonials


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.


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.


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.


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.


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.


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.


Mr G from Kent

I got an interest-only lifetime mortgage and gave my sons £100,000 each so they could put a deposit down on a home. My money made it possible for them to get a very good mortgage deal, especially one son who is not well paid.


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.


Mrs Shaw from Lancaster

I had an interest-only mortgage with Birmingham Midshires. The mortgage had come to 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.


David P

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

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Money tied up in home
Cash tied up in home
Over 60 Retirement Mortgage
Over 60 Retirement Mortgage Home

It’s very common to discover people seeking out lifetime mortgages with flexible drawdown cash release, monthly payment lifetime mortgages or lifetime mortgages with flexible drawdown cash release, however, Key Retirement like Maximum cover Equity Release are keen to see paperwork to show your personal circumstances in the form of investment statements.

Mortgages Over 55

Equity release is an increasingly popular tool for homeowners aged 55 and over. As the name suggests, it allows homeowners to release equity from their homes, providing them with a potentially substantial cash lump sum or regular income.

The Appeal for the 55+ Demographic

Early Retirement

The option of taking a mortgage over 55 can aid in early retirement, granting homeowners an additional income stream to supplement pension or savings.

Home Improvement

Many choose to reinvest in their property, funding renovations or adaptations to make their homes more comfortable for their later years.

Assisting Family

The funds can be used to provide financial assistance to younger family members, perhaps contributing towards a house deposit or education.

Darlington BS Mortgages Over 60

Financial Freedom

Fulfilling Aspirations

The age of 60 often brings with it dreams of travelling or pursuing passions that were earlier sidelined due to responsibilities. The funds from equity release can make these aspirations a reality.

Debt Clearance

The mortgage can be a boon in clearing any lingering debts, ensuring a smoother financial journey through retirement.

Darlington Building Society Mortgages Over 65

Continued Financial Stability

Healthcare Needs

As we advance in age, healthcare becomes a more significant concern. Mortgages over 65 can aid in covering medical bills or even in-home care services.

Lifestyle Maintenance

Ensuring a consistent lifestyle, without significant downscaling, becomes feasible with the financial cushion provided by equity release.

Darlington Building Society Mortgages Over 70

Why It’s Still a Viable Option

Longer Life Expectancy

With people living longer, the need for funds extends. An equity release at this stage can still offer 15-20 years (or more) of additional financial support.

Homeownership Benefits

Owning a home is an asset. Those over 70 can still capitalize on their property’s value, ensuring they have funds for any unforeseen circumstances.

Darlington Building Society Mortgages Over 75

While less common, these mortgages are tailored to meet the specific needs of the older generation.

Meeting Immediate Financial Needs

Health and Care

With advancing age, health considerations might necessitate more immediate financial needs, and these mortgages provide the required support.

Legacy Considerations

Equity release can also be a tool for estate planning, ensuring that the homeowner’s wishes regarding property and inheritance are realized.

Retirement Remortgages

A Shift in Perspective

From Long-term to Immediate

Unlike traditional mortgages focused on long-term financial planning, retirement remortgages are about addressing immediate and short-to-mid-term needs.

Flexible Terms

These mortgages often come with more flexible terms, recognizing the unique needs and constraints of retirees.

Darlington Building Society Pensioner Remortgage

Addressing the Needs of Pensioners

Supplementing Pension

With some pensions not sufficient to maintain a desired lifestyle, remortgaging offers an avenue for additional income.

Adapting to Changing Circumstances

As pensioners navigate through retirement, their needs and circumstances can change, making the flexibility of a remortgage particularly appealing.

Darlington Building Society Lifetime Mortgage

One of the most popular equity release schemes, a lifetime mortgage, allows homeowners to borrow a portion of their home’s value.

Understanding the Terms

Interest Roll-up

Interest on the loan is ‘rolled up’ and is repaid, along with the amount borrowed, when the property is sold.

No Monthly Repayments

Borrowers are not required to make monthly repayments, making it a viable option for many retirees.

Release Equity

Equity release provides homeowners the opportunity to unlock the wealth tied up in their property.

Types of Equity Release

Home Reversion Plans

This involves selling a part or all of your home in exchange for a lump sum or regular payments while retaining the right to remain in it.

Drawdown Lifetime Mortgages

This allows homeowners to draw out money in stages as and when they need it.

Darlington Building Society Equity Release

The Growing Trend

Increasing Property Values

With property prices seeing consistent growth over the decades, homeowners have found a reservoir of untapped wealth in their homes.

Financial Independence

Equity release schemes offer a path to financial independence, ensuring retirees have access to funds without relying heavily on pensions or savings.

RIO Mortgage Darlington Building Society

Retirement Interest Only (RIO) mortgages are a relatively new addition to the financial landscape, designed specifically for older borrowers.

How it Works

Interest-only Payments

Borrowers make monthly payments covering only the interest, ensuring the loan amount remains constant.

Loan Repayment

The loan is repaid from the sale of the property, either when the homeowner passes away or moves into long-term care.

Key Benefits

Financial Clarity

With consistent monthly payments and a stable loan amount, RIO mortgages provide financial clarity and predictability.

Property Appreciation

As the principal loan amount doesn’t increase, any appreciation in property value is to the homeowner’s benefit.

In summary, equity release and its associated products offer versatile financial tools tailored to meet the unique needs of retirees. With a comprehensive understanding and the right advice, these financial products can greatly enhance the quality of life during retirement.

Darlington Building Society Interest Rates

In the UK, the landscape of mortgage interest rates, especially for those over 60, is ever-evolving. Among the prominent players is the Darlington Building Society, offering competitive interest rates that appeal to many in this age group.

Darlington Mortgages for Over 60s

For homeowners aged 60 and above, there’s an increasing interest in lifetime mortgages. Darlington mortgages stand out due to their tailored products for this demographic, providing flexible options and rates that consider the financial dynamics of retirees.

Mortgage Broker Darlington: Navigating the Options

It’s crucial for potential borrowers to seek expert advice to understand the nuances of these mortgages. Working with a mortgage broker in Darlington can provide clarity on the various offerings and ensure that homeowners make informed decisions that suit their financial needs.

Equity Release Rates Over 70

Equity release schemes have gained traction among homeowners over 70 in the UK, given the opportunity to tap into the wealth locked in their homes without having to sell. The Darlington Building Society is among the institutions that offer such schemes.

Darlington Building Society Darlington: A Local Perspective

Darlington Building Society, headquartered in Darlington, understands the local market dynamics. This gives them an edge in designing products that resonate with the community’s needs, ensuring that over 70s find equity release options that are both competitive and flexible.

Darlington Building: Beyond Just Mortgages

While mortgages and equity release schemes are a significant part of their portfolio, the Darlington Building Society offers a range of financial products and services. Their holistic approach ensures that residents have a one-stop solution for their financial requirements.

Darlington Building Society Bishop Auckland

Expanding its reach beyond Darlington, the Darlington Building Society has a notable presence in Bishop Auckland. This branch further cements the society’s commitment to serving the broader community, offering the same high standards of service and product range.

Darlington BS: A Tradition of Trust

Darlington BS (Building Society) has built a reputation based on trust, transparency, and customer-centricity. Their consistent emphasis on community welfare and financial inclusivity has made them a preferred choice for many homeowners, whether it’s for mortgages or equity release.

Why Consider Darlington Building Society?

The society’s emphasis on understanding individual needs, combined with competitive interest rates and a comprehensive range of products, positions them as a go-to institution for financial solutions in the region.

In summary, for homeowners over 60 and 70, understanding the intricacies of lifetime mortgage interest rates and equity release schemes is vital. With institutions like Darlington Building Society offering tailored solutions, it becomes easier for retirees to make decisions that align with their financial goals and aspirations.

Tough-to-finance property variants include high service charges, leasehold properties with a short lease, typically less than 70 years, or a defective lease, properties of non-standard construction, cob property and missing planning permission or building regulations approval.

Premier Flexible Black

Challenging to-finance home variants include properties with outbuildings used for normal domestic purposes (garage, workshop, stables, barn etc), properties with the room(s) or outbuilding(s) used for a small amount of personal commercial use, agricultural use of the land and any outbuildings, properties with flying or creeping freeholds which comprise over 15% of the total floor area and properties with mobile phone masts which are within influencing distance of the house.

More to life  - Capital Choice Plus Plan

Hard-to-finance home variants can include pre-fabricated reinforced concrete (PRC), properties with pre-1945 asbestos or similar composition roof tiles, large concrete panel systems, freehold/feuhold flats (Scotland only) and properties where the flat is accessed via a deck or balcony.

Aviva lifetime mortgage with cashback

Does Darlington Building Society have favourable reviews for equity release?

Yes, Darlington Building Society reviews are superb for equity release.

Hard-to-finance home types include properties in poor condition, age-restricted properties, freehold houses and bungalows (England, Wales, Northern Ireland), commonhold properties and properties with owned solar panels.

Darlington Building Society Equity Release

What percentage can be released with the Darlington Building Society Equity Release?

  • 55% lump sum lifetime mortgages AIG Life
  • 30% loan to value (LTV) lumpsum lifetime mortgages Optimum
  • 40% loan to value (LTV) monthly payment life time mortgage Bridgewater
  • 55% loan to value (LTV) monthly payment equity release Precise
  • 30% loan to value lifetime mortgage with flexible drawdown cash release Co-operative Bank

Equity Release Under 55

Common loan-to-value percentages of Standard Chartered mortgages over 65, Zurich retirement mortgages over 70, Churchill interest-only lifetime mortgages for over 70s, Principality Building Society pensioner mortgages over 55, Nottingham Building Society later life interest-only mortgages over 75 and Cumberland Building Society later life interest-only mortgages over 70 are 40%, 60% and 65%.

What are the current Darlington Building Society interest rates for equity release?

Darlington Building Society rates for equity release are 2.19% APR.

Towns of the UK where Darlington Building Society Equity Release are routine

  • Coggeshall
  • Portishead and North Weston
  • Wotton-under-Edge
  • Nantwich
  • Twickenham
  • Rushden
  • Redenhall with Harleston
  • Wellingborough
  • Whitehaven
  • Blandford Forum
  • Verwood
  • South Shields
  • Kidsgrove
  • East Cowes
  • Fordingbridge
  • Wolsingham
  • Ferndown
  • Bovey Tracey
  • Market Weighton
  • Wells-next-the-Sea
  • Darley Dale
  • Loddon

Do Darlington Building Society do Equity Release?

Yes, Darlington Building Society Equity Release is 2.11% APRC.

Retired business owners who may be interested in lifetime mortgages

  • Urban and suburban passenger railway transportation by underground, metro and similar systems Quedgeley
  • Retail sale of hardware, paints and glass in specialised stores Rowley Regis
  • Repair of personal and household goods n e c Spalding
  • Wholesale of flowers and plants Harworth and Bircotes
  • Casting of light metals Malton

Do Darlington Building Society do Pensioner Mortgages?

Yes, Darlington Building Society Pensioner Mortgages are 2.18% APR.

UK Equity Release Lenders

  • Lifetime Mortgage from L&G
  • Liverpool Victoria
  • Darlington Building Society Equity Release
  • the Telegraph

Does Darlington Building Society offer Retirement Mortgages?

Yes, Darlington Building Society Retirement Mortgages are 1.82% APR.

Disadvantages of Lifetime Mortgages

Monthly payment equity release can reduce your estate value. Lumpsum lifetime mortgages may impact the ability to claim entitlements. You may need to pay a valuation fee and some products expose you to changes in interest rates.

Equity Release LTV

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


Some of the most common loan-to-value ratios of LV= interest only mortgages for people over 60, More to life later life interest only mortgages over 60, OneFamily interest only mortgages for over 70s, Yorkshire Bank over 60 lifetime mortgages, Royal London mortgages for 60 plus pensioners and Axa pensioner mortgages over 55 are 35%, 55% and 65%.

One Family


Common LTV ratios of Lloyds mortgages for over 70s, Barclays Bank interest only lifetime mortgages for people over 60, Post Office mortgages for over 50-year-olds, Legal & General interest only mortgages for people over 60, Bank of Scotland later life borrowing schemes over 55 and Nationwide Building Society mortgages for people 60 plus are 45%, 60% and 65%.

More to Life Equity Release

  • Aviva Equity Release Schemes
  • Bridgewater Lifetime Mortgage
  • Just retirement equity release key features
  • Liverpool Victoria LV Equity Release
  • More to Life Tailored Choice Plan
  • Stonehaven Interest Only Lifetime Mortgage
  • More to Life Flexi Choice Voluntary Payment Super Lite
  • Royal Bank of Scotland Equity Release Plans
  • Saga Equity Release Plans
  • Age Partnership Interest Only Lifetime Mortgage
  • Bridgewater Equity Release Schemes
  • Just Retirement Equity Release
  • L&G Legal & General Flexible Max Plus
  • Liverpool Victoria LV Equity Release Schemes
  • More 2 Life Flexi Choice Voluntary Payment Super Lite
  • Royal Bank of Scotland Equity Release Schemes
  • More to life Flexi Choice Voluntary Payment Super Lite
  • More to Life Capital Choice Plus Plan
  • Royal Bank of Scotland Interest Only Lifetime Mortgage
  • Saga home reversion schemes

The 1st and 2nd charge lenders will want to know if the property is a Freehold house or a Leasehold flat with a share of freehold and if the resident is a Private Tenant.

Popular retirement finance offerings are Lloyds Bank retirement interest only mortgages, Barclays later life interest only mortgages over 60, NatWest interest only mortgages for people over 60, Legal & General retirement interest only mortgages and Nationwide Building Society retirement interest only mortgages.

Does Darlington Building Society offer Lifetime Mortgages?

Yes, Darlington Building Society does lifetime mortgages at 1.89% APRC. Darlington Building Society Lifetime Mortgages have an LTV of 75%.

Does Dudley Building Society offer a retirement remortgage for pensioners over 60?

Yes, Dudley Building Society retirement remortgages for the over 60s are 3.81% APR fixed.

Does Dudley Building Society do a pensioner remortgage for people over 60?

Yes, Dudley Building Society pensioner remortgages for the over 60s are 3.17% APRC fixed for life.

Does Dudley Building Society offer later life remortgages for over 60s?

Yes, a Dudley Building Society later life remortgage for homeowners over 60 is 3.44% MER fixed for life.

Does Dudley Building Society offer the best remortgage for retired homeowners over 60?

Yes, Dudley Building Society’s best remortgages for retired for over 60s are 3.19% AER fixed for life.

Does Dudley Building Society do remortgaging options for over 60s?

Yes, a Dudley Building Society remortgaging option for retired homeowners over 60 is 3.85% MER fixed for life.

Does Dudley Building Society offer a mortgage calculator for retired homeowners over 60?

Yes, Dudley Building Society mortgage calculators for over 60s show 3% APRC variable.

Does Dudley Building Society do an RIO mortgage for the over 60s?

Yes, Dudley Building Society RIO mortgages for pensioners over 60 are a 3.04% MER variable.

Does Dudley Building Society offer retirement interest only mortgages for the over 60s?

Yes, a Dudley Building Society retirement interest only mortgage for pensioners over 60 is a 3.28% MER variable.