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Ex-local authority housing or social housing owner and need equity release?


  • Remove tax-free cash from your property
  • Ex local authority property accepted
  • Social housing accepted
  • Variable rates as low as 1.56% APR
  • No regular monthly payments
  • Use the money to pay off credit cards and loans
  • Continue to stay in your house

How much can I borrow?

You can get 65% of your property’s value. For example, if your home is valued at £330000 you can get £214500.

  • 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

Recently completed mortgage, equity release and lifetime mortgage 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.


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.


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.


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 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.


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.


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.


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.

  • Free No Obligation Quote

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

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Home equity Tied Up
Wandsworth Family Home

Tough to finance property variants can include properties with legal agreements such as Overage, Clawback, Option, Pre-emption, or any onerous Restrictive Covenant, properties close to mining works, areas of landfill, areas of recent flooding or subsidence, property is uninhabitable, timber buildings and Reema Hollow panel, Schindler and Hawksley SGS, Stent, Stonecrete, Stour, Tarran, Underdown, Unity and Butterley, Waller, Wates, Wessex, Winget and Woolaway.

Canada Life - Lifestyle Gold

Challenging to finance property titles include properties built or converted into dwellings more than 10 years ago, properties with a large number/scale of outbuildings, properties with a small number of solar panels or a wind turbine on the land for domestic use, properties that have solar farms or a large number of wind turbines on the land and properties in coastal areas that may be affected by erosion.

Legal & General - Flexible Blue

Difficult to finance property variants can include eco houses and modern methods of construction, properties with spray foam insulation applied to the underside of the roof, privately developed flats, maximum four storeys with a lift, former local authority flats and freehold flats (England, Wales, Northern Ireland).

Just Retirement - Roll-Up Lifetime Mortgage

Difficult to mortgage home types can include properties in the course of construction or pre-construction, entirely tenanted properties, freehold houses and bungalows (England, Wales, Northern Ireland), commonhold properties and properties with owned solar panels.

Canada Life - Lifestyle Lite

Popular loan to value ratios of Virgin Money interest only lifetime mortgages for over 60s, Direct Line retirement mortgages over 70, Sainsburys pensioner mortgages over 55, Skipton Building Society mortgages for over 70s, Nottingham Building Society help to buy for over 60s and Progressive Building Society mortgages for 60 plus pensioners are 35%, 55% and 65%.

Lloyds Lifetime Interest Only Mortgage Interest Rates

Common loan to value percentages of LV= lifetime mortgages for over 55s, More to life over 60 lifetime mortgages, One Family equity release schemes for over 55’s, YBS retirement interest only mortgages over 60, Metro Bank lifetime mortgages for people over 55 and Axa mortgages for pensioners over 60 are 35%, 55% and 70%.

Equity Release Scheme Lenders

  • Key Solutions
  • One Family
  • Key Retirement
  • LV equity release

It’s very regular to discover individuals searching for home reversion plans, lump sum lifetime mortgages or interest-only lifetime mortgages, however, Just Retirement like Legal & General are keen to see evidence of your personal circumstances in the form of bank statements.

Business owners details likely with equity to release

  • Other software publishing Shepton Mallet
  • Manufacture of other machine tools Prescot
  • Activities of property unit trust Highbridge
  • Dismantling of wrecks Henley-in-Arden
  • Landscape service activities Royston
  • Taxi operation Elstree and Borehamwood
  • Manufacture of essential oils Featherstone
  • Wholesale of watches and jewellery Crewkerne
  • Wholesale of radio, television goods & electrical household appliances other than records, tapes, CD’s & videotapes and the equipment used for playing them Bawtry
  • Activities of tourist guides East Retford
  • Manufacture of loaded electronic boards Alfreton
  • Marine aquaculture Brough
  • Non-specialised wholesale of food, beverages and tobacco Loddon
  • Manufacture of doors and windows of metal Clay Cross
  • Development of building projects Earby
  • Manufacture of steam generators, except central heating hot water boilers Selsey
  • Manufacture of other ceramic products n e c Skelton-in-Cleveland
  • Television programme production activities Faringdon



Areas of the UK where equity release is common

  • Woodley
  • Wivenhoe
  • Market Deeping
  • Hungerford
  • Skelton-in-Cleveland
  • Whitehill
  • Thame
  • Sandhurst
  • Southwick
  • Stockton-on-Tees
  • Elland
  • Torpoint
  • Chingford
  • Bebington

Lloyds Lifetime Interest Only Mortgage Providers

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 AST Tenant.

Equity Release LTV

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

  • Bridgewater Equity Release Schemes
  • More to life Tailored Choice Plan
  • Stonehaven Interest Select Plan
  • Nationwide Equity Release Plans
  • Lloyds Bank Equity Release Schemes
  • Age Partnership Equity Release Plans
  • Bridgewater Equity Release Plans
  • L&G Legal & General Flexible Max Plus
  • Lloyds Bank Equity Release
  • More 2 Life Flexi Choice Drawdown Lite Plan
  • NatWest Equity Release Schemes
  • Royal Bank of Scotland Equity Release
  • Bridgewater Equity Release Plans
  • Hodge Lifetime Mortgage Flexible Drawdown Plan
  • Stonehaven Equity Release Plan
  • Lloyds Bank Equity Release Schemes
  • Canada Life Prestige Flexi Option
  • L&G Legal & General Flexible Max Scheme
  • Liverpool Victoria LV Equity Release Schemes
  • More to life Tailored Choice Plan
  • Nationwide Equity Release Schemes
  • Lloyds Bank Equity Release
  • TSB Lifetime Interest Only Mortgage
  • Royal Bank of Scotland Equity Release
  • Saga home reversion plan
  • Age Partnership Equity Release Plans

Canada Life Drawdown Lifetime Mortgages

Crown Mortgages
Equity Release Mortgage Under 55

Pure Retirement Mortgages

Popular loan to values of Lloyds retirement interest only mortgages over 60, Barclays Bank pensioner mortgages over 55, Halifax help to buy for over 60s, Legal & General later life mortgages for over 70s, Royal Bank of Scotland later life mortgages for over 70s and Nationwide BS interest only lifetime mortgages for over 60s are 50%, 60% and 70%.



Drawbacks of Lifetime Mortgages

Lump-sum lifetime mortgages can reduce the inheritance for your family. Lumpsum lifetime mortgages may impact the ability to get state benefits. You may need to pay a broker’s fee and you could have higher rates to pay with some schemes.

Equity Release LTV Percentages

  • 50% monthly payment lifetime mortgage Maximum cover Equity Release
  • 25% loan to value (LTV) home reversion plans Spring Finance
  • 25% loan to value monthly payment lifetime mortgage Penrith
  • 45% loan to value monthly payment lifetime mortgage Blemain

Retirement and sheltered housing• Ex- local authority, MoD or housing association flats and maisonettes• Properties purchased via a “Right to Buy” scheme and within preemption period• Studio flats• Park or mobile homes• Houseboats• Second or holiday homes•Houses in Multiple Occupation
Ex-local authority, MoD or housing association houses and bungalows• Flats and maisonettes in private blocks of more than 10 storeys.• New build houses and flats•Properties with an annexe, 2 kitchens or which are sub-divided.

Appealing pensioner loan products include TSB mortgages for pensioners, Barclays interest only lifetime mortgages, Post Office later life borrowing schemes, Legal and General lifetime mortgages and Nationwide Building Society mortgages for 60 year olds.