- Remove tax-free cash from your property
- Ex local authority property accepted
- Social housing accepted
- Variable rates as low as 5.34% 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.
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 typical mortgages you would get by providing income. I have saved a lot of tax.
Mrs Shaw from Lancaster
I had an interest-only mortgage with Birmingham Midshires. The mortgage ended 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 allowed them to get an excellent mortgage deal, especially one poorly paid son.
Mr Williamson from Chiswick
My son is a chef in a care home. He is not well paid, and his bank would not lend him the money to buy a flat. My equity release let him put a substantial deposit down, so his mortgage was very small. My equity release interest rate was close to the 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 and solicitor fees 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 do not need to move from 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 an equity release to pay off my mortgage.
Mrs M from Birmingham
With no broker or lender fees, I got an interest-only retirement mortgage, which I pay monthly from my private pension. The money released went to my daughter for her wedding and a 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 an equity release on my mother’s house to pay for specialist modifications for her comfort.
Challenging 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, the 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.
Challenging to finance property titles include properties built or converted into dwellings more than ten 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.
Difficult-to-finance property variants can include eco houses and modern construction methods, properties with spray foam insulation applied to the underside of the roof, privately developed flats, a maximum of four storeys with a lift, former local authority flats, and freehold flats (England, Wales, Northern Ireland).
Difficult-to-mortgage home types can include properties during construction or pre-construction, entirely tenanted properties, freehold houses and bungalows (England, Wales, Northern Ireland), commonhold properties and properties with owned solar panels.
Popular loan-to-value ratios of Virgin Money interest-only lifetime mortgages for those over 60, Direct Line retirement mortgages for over 70, Sainsbury’s pensioner mortgages for over 55, Skipton Building Society mortgages for those over 70, Nottingham Building Society help to buy for those over 60. Progressive Building Society mortgages for 60-plus pensioners are 35%, 55% and 65%.
Typical loan-to-value percentages of LV= lifetime mortgages for those 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 common to find individuals searching for home reversion plans, lump sum lifetime mortgages, or interest-only lifetime mortgages; however, Just Retirement, like Legal & General, is keen to see evidence of your personal circumstances in the form of bank statements.
Business owner’s 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
- Key Advice Lifetime Interest Only Mortgage No Credit Check
- Tenants In Common Over 70 Mortgage
- Crown Equity Release Providers
- Loughborough Building Society Equity Release Providers
- Melton Mowbray Building Society Over 75 Mortgage
- 55+ Mortgage
- Saffron Building Society Equity Release Interest Rates
- Legal And General Over 55 Mortgage
- Barclays Retirement Interest Only Mortgage Broker
- Buckinghamshire Building Society Equity Release Comparison
- Monmouthshire Building Society Over 55 Mortgage
- Furness Building Society Later Life Mortgages
- Vernon Building Society Pensioner Mortgage
- Nationwide Lifetime Mortgage Broker
- Japanese Knotweed UK Law
- Newcastle Building Society Over 75 Mortgage
- Over 55 Mortgage
- National Counties Family Building Society Over 75 Mortgage
- Bad Credit Mortgage Reviews
- Rbs Equity Release Broker
- L&G Equity Release Risk Area
- Derbyshire Building Society Glossop
- Canada Life Equity Release Schemes
- Equity Release Under 50 Rates 2025
- BISF Equity Release Drawdown
- Marsden Building Society Over 55 Mortgage
- Beverley Bs Equity Release Advice
- Equity Release Under 60 Interest Rates
- Mortgage Over 70
- Just Retirement Over 55 Mortgage
- Cheshire Building Society Equity Release Interest Rate
- lifetime mortgages for over 60s
- Lifetime Mortgage Fee
- Natwest Lifetime Mortgage Rates 2025
- Equity Release On Spanish Property
- Liverpool Victoria Equity Release Interest Only
- Contaminated Property Equity Release
- Newbury Building Society Retirement Mortgage
- Harpenden Building Society Pensioner Mortgage Calculator
- Best Mortgages For Over 50s Pensioner Mortgage Loan
- Nationwide Equity Release On Second Homes
- Tipton And Coseley Building Society
- Nfu Mortgages
- Ni Mortgage Rates 2025
- Bridgewater Equity Release Interest Rates
- Equity Release Property With Land
- Mortgages For Retirees
- Precast Reinforced Concrete
- Mortgages For Over 75s Pensioner Mortgage Interest Rate
- Swansea Building Society No Fees
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
The 1st and 2nd charge lender will want to know if the property is a Freehold terraced house or a Leasehold flat with a share of freehold and if the resident is an AST Tenant.
Equity Release LTV
The older and 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
Popular loan to values of Lloyds retirement interest-only mortgages over 60, Barclays Bank pensioner mortgages over 55, Halifax help to buy for over the 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%.