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
How Much Would You Like Borrow/Release?*
Please enter a number from 4000 to 200000000.
Value of your property*
Please enter a number from 50000 to 10000000.
Type of Finance*
- Equity Release
- Lifetime Mortgage
- Retirement Interest Only Mortgage
- Retirement Mortgage
- Conventional Payment Mortgage

About You
Name*
First Last
First Line Of Your Address:*
Your Postcode:*
Please Agree To Our T&C and Privacy*
- I Agree

Date of Birth*
Your Email Address:*
Phone Number*

Customer Reviews

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.

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.

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.

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.

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.

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

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

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

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

Your Requirements

About You