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Farm Properties Equity Release and Lifetime Mortgages

farms-and-farmers farm mortgage

  • Release-tax free equity from your house
  • You don’t need to make monthly payments
  • Farms/smallholdings
  • Over 10 acres of land
  • Small scale hobby farming
  • Agricultural tie or restriction
  • Help a member of your family buy their own home that they couldn’t afford otherwise
  • Still, have a mortgage? We can help with that
  • Continue to stay in your house
  • Your Requirements

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

Customer Reviews

agricultural mortgages

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.

agricultural mortgage lenders

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.

agricultural mortgage rates

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.

farm mortgage

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.

agricultural mortgage

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.

agricultural mortgages

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 farm mortgages

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.

farm buildings registered office

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.

business plan

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 high street

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.
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London House Finance
Under 65 Home owner repayments on your mortgage
Aviva Equity Release

Canada Life Equity Release

Crown Lifetime Mortgages

Pure Retirement Lifetime Mortgages

Just Lifetime Mortgages

LV Drawdown Lifetime Mortgages

One Family Mortgages

The mortgage lender will want to know if the property is a Freehold terraced house or a Leasehold house and if the resident is an Owner Occupier.

Areas in the UK where retirement mortgages are common

  • Tenterden
  • Ormskirk
  • Gillingham
  • Dartford
  • Dunstable
  • Chipping Campden
  • Fordwich
  • Blackwater and Hawley
  • Fowey
  • Chorleywood
  • Redenhall with Harleston
  • Brighouse
  • St Austell
  • New Romney
  • Bradley Stoke
  • Dagenham
  • Exmouth

Nationwide Lifetime Mortgage Broker home may be repossessed

  • Bridgewater Equity Release Plans
  • Aviva Flexible Voluntary Repayment Plan
  • Bridgewater Equity Release Schemes
  • Just Retirement Equity Release
  • Saga Equity Release Plans
  • Age Partnership Equity Release
  • Aviva Lifetime Mortgages for Pensioners
  • Lloyds Bank Equity Release Plans
  • Saga Equity Release Schemes
  • Canada Life Lifestyle Gold Flexi
  • More to Life Flexi Choice Drawdown Lite Plan
  • HSBC Interest Only Lifetime Mortgage
  • TSB Equity Release
  • More 2 Life Tailored Choice Plan

more 2 life lifetime mortgage high street banks

Aviva lifetime mortgage farming industry

More2Life - Tailored Choice Plan mortgage term credit history

Pure Retirement - Classic Super Lite Plan bank statements

Pitfalls of Home Reversion Plans

Lifetime mortgage with flexible drawdown cash release can reduce the inheritance for your family. A monthly payment lifetime mortgage may impact the ability to claim entitlements. You may need to pay a solicitor’s fee and you could be exposed to changes in interest rates with some products.

How much is it common to release from a home

  • 60% lumpsum lifetime mortgages LV Liverpool Victoria
  • 60% LTV lumpsum lifetime mortgages Legal and General
  • 40% loan to value monthly payment equity release Pepper
  • 40% loan to value monthly payment equity release LV lifetime mortgage
  • 30% loan to value (LTV) lifetime mortgage with flexible drawdown cash release Prestige

Nationwide Lifetime Mortgage No Payments mortgage application
Equity Release Under 55

Examples of retired business owners likely to have equity to release – lending criteria

  • Residential care activities for the elderly and disabled Oakengates
  • Private security activities Kirton-in-Lindsey
  • Logging Frodsham
  • Other building and industrial cleaning activities Ilkeston
  • Retail sale of computers, peripheral units and software in specialised stores Carnforth
  • Manufacture of oils and fats Dunstable
  • Other research and experimental development on natural sciences and engineering Bradley Stoke
  • Post-harvest crop activities farming enterprise Coulsdon
  • Other software publishing Burford
  • Activities of other membership organizations n e c Barnoldswick
  • Marine fishing Dalton Town with Newton
  • Manufacture of ceramic insulators and insulating fittings Burnley
  • Manufacture of woven or tufted carpets and rugs Great Torrington
  • Manufacture of other machine tools Crosby
  • Repair and maintenance of ships and boats New Romney
  • Non-scheduled passenger air transport Leigh
  • Manufacture of farm building and related articles Elland
  • Other specialised construction activities n e c Leek

It’s very regular to encounter individuals looking for lumpsum lifetime mortgages, monthly payment life time mortgage or home reversion plans, however, Sunlife Plans like Maximum cover Equity Release are keen to see proof of your personal situation in the form of investment statements.

UK Equity Release Scheme Providers mortgage application process

  • More2Life
  • Crown
  • Aviva
  • Pure Retirement
  • LV Liverpool Victoria

Equity Release percentages of your current property value

The more aged you are and the more serious your illnesses you are the more tax free cash you can release.

Agricultural tie or restriction•Over 10 acres of land•Farms/smallholdings

Properties with more than 10 acres of land•Small scale hobby farming

Properties with up to 10 acres of land without large outbuildings or equestrian facilities