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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
  • Your Requirements

  • Please enter a number from 4000 to 200000000.
  • Please enter a number from 50000 to 10000000.

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.

  • Your Requirements

  • Please enter a number from 4000 to 20000000.
  • About You

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Home equity Tied Up
Wandsworth Family Home
Canada Life - Lifestyle Gold

Legal & General - Flexible Blue

Just Retirement - Roll-Up Lifetime Mortgage

Canada Life - Lifestyle Lite

Lloyds Lifetime Interest Only Mortgage Interest Rates

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
  • More2Life 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
  • More2Life 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



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.