5.19% MER rate
No brokers fee
No lenders fee
Lender not available on comparison sites
Free valuation for flat roof equity release
All complex property titles are considered, including those with bitumen flat roof felt.
Release tax-free cash from your house
No regular monthly payments
Still have a mortgage? No problems
Steel frame/panels
Concrete frame/panels
Pitched roofs of concrete, slate or stone tiles
Pitched roofs of asbestos cement tiles
Flat roofs over 50% of the total roof area

How much can I get?

You can release 70% of your property’s value. For example, if your house is valued at £ 350,000, you can borrow £ 245,000.

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Concise Finance Customer Reviews

Sandra from Manchester

I got an equity release to give my daughter money to buy a house. Without the money I borrowed, her buying a home would have been impossible.

Mrs V from Hastings

I had spent my life running up credit card debt and loans, then getting interest-only mortgages to pay it off. I reached retirement age and still owed the bank £160,000. The term was about to expire, and I could not afford the payments on my pension anyway. I got £180,000 equity release, and now I am more comfortable with no monthly repayments. I spent £20,000 on a new bathroom and kitchen. I now know I can stay at home.

Mrs E from London

I was advised to take out an equity release on my East London home to minimise inheritance tax. My son and daughter used the money to pay down their mortgages. The interest rate on the equity release was so low it was close to their mortgage rate.

William from London

My lawyer told me my inheritance tax bill would be around £250,000. I got a lifetime mortgage to give my son and daughter money to buy bigger homes, and we bought a house in the south of France for us all to use as a holiday home.

Mr Smith from Kendal

My financial advisor told me I should get an equity release and gift money to my five children now, as it would save a massive amount of inheritance tax.

Mr G from Kent

I took out an interest-only lifetime mortgage and gave my sons £100,000 each to put down as a deposit on a home. My money made it possible for them to get a very good mortgage deal, especially for one of their poorly paid sons.

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

For my lifetime mortgage, I had to pay a valuation fee and a solicitor’s fee, but no lender or broker fees. 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.

Julia A

My mother has dementia. With my solicitor and power of attorney, I obtained equity release on my mother’s house to pay for specialist modifications to improve her comfort.

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 enabled him to put down a substantial deposit, so his mortgage was tiny. My equity release interest rate was close to the interest rate his bank offered.

More 2 Life Flexi Choice Drawdown Lite Plan for flat roof properties

Liverpool Victoria LV Equity Release for Pitched Roof Properties
More to life Flexi Choice Voluntary Payment Super Lite specialist lender
Pure Retirement Lifetime Mortgage lender with a mandatory roof inspection
Lloyds Bank Equity Release Schemes for non standard construction
Just Retirement Drawdown Lifetime Mortgage for algae growth debris properties new roof
Liverpool Victoria LV Equity Release Schemes for Property Repair Costs
More to Life Flexi Choice Drawdown Lite Plan for properties considered non standard construction, modified bitumen
Pure Retirement Lifetime Mortgage for maintenance and repair costs roof covering
More 2 Life Flexi Choice Drawdown Lite Plan roofing material
Nationwide Equity Release Schemes green roofs
More to Life Flexi Choice Voluntary Payment Super Lite asphalt roofs
Lloyds Bank Equity Release Schemes roof decking
TSB Equity Release flat roof equity release roofing system
NatWest Equity Release Plans roofing systems
Bridgewater Equity Release Plans flat roof material
Hodge Lifetime Mortgage Flexible Drawdown Plan flat roof materials
Liverpool Victoria LV Equity Release Plans for properties with 50 years insurance flat roofing materials
Lloyds Bank Equity Release for Green Roof Properties
TSB Lifetime Interest Only Mortgage for property with flat roof coverings

flat roofs construction lifetime mortgage

Aviva Retirement Mortgages

Canada Life

Hodge Lifetime Mortgages

LV Mortgages

More to Life Lifetime Mortgages

It is common to encounter people looking for lump sum lifetime mortgages or home reversion schemes. However, More to Life, like Vitality Life Equity Release, is keen to see paperwork that shows your personal circumstances, such as pension statements.

What percentage can be released with flat roof equity release?

55% lifetime mortgage with flexible drawdown cash release AIG Life for flat roof property
30% loan to value interest-only lifetime mortgages Shawbrook for flat roofed property
55% loan to value (LTV) lump sum lifetime mortgages Paragon Personal Finance flat roof mortgage

Retired small business owners that may be interested in lifetime mortgages with flat roof house

Risk and damage evaluation Oldbury
Non-life reinsurance Reigate
Manufacture of other fabricated metal products n e c Wokingham

Challenging to mortgage home variants can include properties will be assessed for flood risk, high service charges – properties where the Service Charge per annum at the time of application is more than 5.19% of the property value, derelict property or where part of the building is in severe disrepair and needs demolishing, asbestos construction and Airey, Boot, Cornish Unit, Dorran, Dyke, Gregory, Hamish Cross, Myton, Newland, Orlit and Parkinson Frame.

What are the current Ipswich Building Society interest rates for equity release?

Ipswich Building Society interest rates for equity release are 1.86% APR.

Towns where equity release is routine

Eccleshall house with flat room
Barnard Castle flat roofed houses
Ollerton and Boughton flat roof house UK
Keynsham flat roof houses uk
Saxmundham house flat roof
Highbridgeflat roofed houses
Worksop epdm rubber roof
Blackpool
Braintree
Cranbrook
Bacup
Leek
Stroud
Higham Ferrers
Barnard Castle
Wednesbury
Lutterworth

Tough-to-finance property variants can include properties with outbuildings used for normal domestic purposes (garage, workshop, stables, barn, etc.), properties with a large number/scale of outbuildings, agricultural use of the land and any outbuildings, properties where there is a self-contained part of the property or annexe, i.e., basement flat, etc., and properties in coastal areas that may be affected by erosion.

Does Ipswich Building Society offer Equity Release?

Yes, Ipswich Building Society Equity Release is 2.03% APRC.

How much is it common to release from a home – flat roofs on houses

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

1. Consult with professionals and understand the associated rates, terms, and conditions to ensure you’re making an informed choice.

Does Ipswich Building Society do Pensioner Mortgages?

Yes, Ipswich Building Society Pensioner Mortgages are 5.08% APR.

Hard-to-mortgage property types can include complex roof structures, properties with externally applied insulation to the walls after construction, properties constructed or converted within the past 10 years, privately developed flats in blocks of two storeys without a lift, and freehold flats (England, Wales, Northern Ireland).

Lenders for UK Equity Release with flat roof extension construction – flat roofs

Sun life Plans for flat roofing
Bridgewater flat roofing construction
Age Concern flat roof system

The 1st and 2nd charge lender will want to know if the property is a Freehold terraced house or a Leasehold flat and if the resident is an Assured shorthold tenancy tenant.

Difficult-to-mortgage home types can include properties currently undergoing substantial alterations, extensions, or repairs, age–restricted properties, right–to–buy properties in Scotland, leasehold properties (except flats and maisonettes), and properties with leased solar panels.

Common LTV ratios of Virgin Money over 60 mortgages, Shepherds Friendly mortgages for people over 50, Leeds Building Society pensioner mortgages over 70s, Skipton Building Society interest-only mortgages for over 65-year-olds, West Bromwich Building Society pensioner mortgages over 55, and Progressive Building Society mortgages over 70s are 50%, 55% and 70%.

Does Ipswich Building Society offer Retirement Mortgages?

Yes, Ipswich Building Society Retirement Mortgages are 5.9% MER.

Typical loan-to-value ratios of Liverpool Victoria lifetime mortgages for over 60s, More to life interest-only lifetime mortgages for people over 60, One Family retirement interest-only mortgages over 75, YBS retirement interest-only mortgages over 60, Principality Building Society retirement interest-only mortgages over 75 and Sun Life pensioner mortgages over 55 are 40%, 55% and 70%.

Does Ipswich Building Society do Equity Release Under 55?

Yes, Ipswich Building Society Equity Release Under 55 is 1.89% APR.

Pitfalls of Lifetime Mortgages – flat roof house

Lump-sum lifetime mortgages can reduce the inheritance for your family. A monthly-payment lifetime mortgage may affect entitlement to benefits. You may need to pay a legal fee and you could have higher rates to pay with some schemes.

Some of the most popular loan-to-values of Lloyds Bank pensioner mortgages over 70s, Barclays interest-only lifetime mortgages for over 60s, Halifax interest only retirement mortgages for over 70s, L&G mortgages for pensioners over 60, Royal Bank of Scotland RIO mortgages over 75 and Nationwide equity release schemes for over 55’s are 45%, 60% and 65%.

Many of the most appealing pensioner loan products are Lloyds Bank mortgages for people over 50, pensioner mortgages, Halifax over-60 mortgages, Legal & General over-60 lifetime mortgages, and Nationwide Building Society mortgages for people over 50.

Non-Standard Property Home Index

Does Ipswich Building Society do Lifetime Mortgages?

Yes, Ipswich Building Society does lifetime mortgages at 1.95% APR. Ipswich Building Society Lifetime Mortgages can have a loan-to-value (ltv) of 75%. Flat roof repairs can be costly, and parapet walls can cause a similar problem. EPDM roofing is a flat roof system that may require repair.

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