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Flat Roof Equity Release And Mortgages – Property With Flat Roofs – Houses And Flats 2022 – No Fees

Flat Roof Equity Release UK properties

  • 2.13% MER rate
  • No brokers fee
  • No lenders fee
  • Lender not available on comparison sites
  • Free valuation for flat roof equity release
  • All difficult property titles considered including ones 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 £350000 you can borrow £245000.

  • Free No Obligation Quote

  • Please enter a number from 10000 to 2000000000.
  • Please enter a number from 50000 to 10000000.
  • Leave blank if no mortgage outstanding
  • About You

Concise Finance Customer Reviews

flat roof

Sandra from Manchester

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

 

flat roof extension construction

Mrs V from Hastings

I had spent my life running up credit cards and loans then getting interest-only mortgages to pay off the debt. I got to 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 and I spent £20,000 on a new bathroom and kitchen. I now know I can stay in my home.

 

flat roofs uk

Mrs E from London

I was advised to get equity release from 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.

 

bungalow flat roof extension

William from London

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

 

flat roof extension on bungalow

Mr Smith from Kendal

My financial advisor told me that I should get equity release and gift money to my 5 children now as it would save a massive amount of inheritance tax.

 

mr-g flat roof extension

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.

 

problems with flat roofs

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.

 

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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.

 

julia-a flat roof insurance

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.

 

flatroof

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.

 

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  • 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 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 roof home insurance lifetime mortgage

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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, lump sum lifetime mortgages or home reversion schemes, however, More to life like Vitality Life Equity Release are keen to see paperwork to show your personal circumstances in the form of 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 2% 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.

Do Ipswich Building Society do Pensioner Mortgages?

Yes, Ipswich Building Society Pensioner Mortgages are 2.08% APR.

Hard to mortgage property types can include difficult roof structures, properties with any 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 (with the exception of flats and maisonettes) and properties with leased solar panels.

 

House Subsidence Repair Cost

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 1.9% MER.

Common 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%.

Do 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 impact entitlements 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%.

 

Underpinned House

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

Do Ipswich Building Society do Lifetime Mortgages?

Yes, Ipswich Building Society do 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 very expensive and parapet walls can cause a similar problem.  EPDM roofing  is a flat roof system that could need flat roof repair.