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Earl Shilton Building Society Equity Release new for April 2022


  • Remove tax-free money from your home
  • Not necessary to make regular monthly payments
  • Free Valuations
  • Use the money to pay off debts
  • Stay living in your own house for as long as you like

How much money can I release?

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

  • 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

Testimonials and Example Cases


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.

Julia A

My mother has dementia. With my solicitor and my power of attorney, I got equity release on my mother’s house to pay for specialist modifications for her comfort.

Mrs M from Birmingham

With no brokers fees and no lenders fees, I got an interest-only retirement mortgage which I pay each month from my private pension. The money released went to my daughter for her wedding and deposit for her next house. She wanted a family, and her flat was too small.


Mrs E from London

My mortgage needed to be repaid to the existing lender. I thought I was going to lose my house. Thanks to Concise I got equity release to pay off my mortgage.

  • Free No Obligation Quote

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

  • By clicking Submit and ticking the box above you agree to be contacted by an FCA authorised advisor that you have read and agreed to our Terms & Conditions and our Privacy Policy.

Putney Home
Over 55 Home owner
Money tied up in home


Areas where equity release is routine

  • Leyland
  • Broughton
  • Gillingham
  • Bridport
  • Harlow
  • Widnes
  • Boroughbridge
  • Seaton
  • Chard
  • Saffron Walden
  • Mablethorpe and Sutton
  • Mablethorpe and Sutton
  • Corsham

Tough to finance property titles can include properties will be assessed for flood risk, high service charges – properties where the Service Charge per annum at the time of application is more than 2% of the property value, some properties with sitting tenants or regulated tenancies, timber buildings and concrete panel houses.

LV= Lump Sum+ Lifetime Mortgage

Challenging to finance home titles can include properties built or converted into dwellings within the last 10 years, properties converted from modern commercial premises, properties without direct access to an adopted highway or which are accessed over an unmade road, properties using rooms, land or outbuildings for business purposes which are not personal to the borrower(s) or which extend to more than 50% of the property to be secured 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.

More to life  - Tailored Choice Plan

Difficult to finance property variants can include Timber-framed properties constructed post-1965, properties with any external treatment applied to the roof after construction, privately developed flats, maximum four storeys with a lift, studio flats outside the M25 and freehold flats (England, Wales, Northern Ireland).

Legal & General - Flexible Pink

Difficult to finance home types include homes requiring essential repairs, properties where the ownership is set up on a tenancy in common basis, feuhold/freehold properties (including flats) in Scotland, commonhold properties and properties owned under any form of shared equity scheme.

Hodge Lifetime - Flexible Repayment Plan - NO Early Repayment Charges

Some of the most common loan to value percentage ratios of Virgin Money mortgages for 60 plus pensioners, Zurich retirement mortgages over 70, Churchill retirement interest only mortgages over 60, Coventry Building Society lifetime mortgages for people over 55, Newcastle Building Society mortgages for over 60s and Cumberland Building Society retirement mortgages over 60 are 35%, 60% and 65%.


UK Equity Release Scheme Lenders

  • Sunlife Plans
  • Step Change
  • Key Retirement
  • Fortify Insurance Solutions


  • More 2 Life Flexi Choice Drawdown Lite Plan
  • Just retirement defined benefit
  • Liverpool Victoria LV Equity Release Plans
  • More to life Tailored Choice Plan
  • Pure Retirement Drawdown Plan
  • Nationwide Equity Release
  • HSBC Interest Only Lifetime Mortgage
  • Aviva Equity Release Plans
  • Hodge Lifetime Mortgage Flexible Drawdown Plan
  • More to Life Flexi Choice Voluntary Payment Super Lite
  • More to life Capital Choice Plan
  • NatWest Equity Release
  • Royal Bank of Scotland Equity Release Schemes
  • Aviva Equity Release Plans
  • Just retirement defined benefit
  • Stonehaven Equity Release Scheme
  • Nationwide Interest Only Lifetime Mortgage
  • Lloyds Bank Equity Release Schemes
  • More 2 Life Capital Choice Plus Plan


Examples of business owners with home equity to release

  • Retail sale of mobile telephones Elland
  • Portrait photographic activities Ottery St Mary
  • Licensed clubs Ipswich
  • Other education n e c Earl Shilton
  • Operation of rail passenger facilities at railway stations Brough
  • The weaving of textiles Ilminster
  • Wholesale trade of motor vehicle parts and accessories Looe
  • Manufacture of medical and dental instruments and supplies Ludgershall
  • Activities of political organizations Christchurch
  • Radio broadcasting Hoddesdon
  • Manufacture of knitted and crocheted fabrics Fordwich
  • Other amusement and recreation activities n e c Bromborough
  • Wholesale of other food, including fish, crustaceans and molluscs Kendal
  • Other passenger land transport Tynemouth
  • Wholesale of wood, construction materials and sanitary equipment Hatfield
  • Other specialist photography Highbridge
  • Wholesale of pharmaceutical goods Howden
  • Other residential care activities n e c Penkridge


What percentage can be released?

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

Canada Life Mortgages

Legal and General Retirement Mortgages

Pure Retirement Lifetime Mortgages

LV Equity Release


Downsides of Lifetime Mortgages

Interest-only lifetime mortgages can reduce the inheritance for your family. Lumpsum lifetime mortgages may impact ability to claim benefits. You may need to pay an advisor’s fee and some products expose you to changes in interest rates.

It is usual to discover individuals looking for home reversion schemes, lumpsum lifetime mortgages or home reversion schemes, however, Age Partnership like The Exeter Equity Release are keen to see evidence of your personal circumstances in the form of investment statements.

Equity Release LTV

  • 50% home reversion plans Zurich
  • 55% LTV lump sum lifetime mortgages More to life
  • 30% LTV monthly payment lifetime mortgage Newcastle Building Society
  • 60% loan to value (LTV) home reversion plans More to life
  • 25% loan to value home reversion plans Aldermore Bank PLC

The 1st and 2nd charge lender will want to know if the property is a Freehold terraced house or a Leasehold flat with share of freehold and if the resident is an Assured shorthold tenancy tenant.

Canada Life Equity Release Calculator

Common LTV ratios of Liverpool Victoria retirement mortgages over 65, More 2 Life pensioner mortgages over 55, One Family lifetime mortgages for over 60s, YBS later life interest only mortgages over 75, Royal London lifetime mortgages for over 60s and Sun Life pensioner mortgages over 70s are 45%, 55% and 65%.

Common LTV percentages of TSB mortgages for over 65, Barclays Bank later life interest only mortgages over 60, Post Office mortgages for people over 50, L&G mortgages over 65, Bank of Scotland interest only lifetime mortgages for people over 60 and Nationwide Building Society pensioner mortgages over 55 are 45%, 55% and 70%.

Canada Life Equity Release Products

Common retirement mortgage products are Lloyds Bank interest only lifetime mortgages, Barclays Bank later life mortgages, Halifax mortgages for over 60s, Legal & General later life mortgages and Nationwide BS interest only mortgages for over 70s.