Own a Flat above a shop or commercial property and need some equity release?


  • Release cash from your house
  • Ideal for flats above shops or other commercial property
  • Variable rates 1.98% and fixed rates 2.56%
  • No need to make monthly payments
  • Use the money to pay off debts
  • Stay living in your own home
  • Could be used to help tax planning
  • Your Requirements

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

  • Date Format: DD dash MM dash YYYY
  • By clicking Submit and ticking the box above you agree to be contacted by an FCA authorised advisor that you have read and agreed to our Terms & Conditions and our Privacy Policy.

South West London Home
West London Home
South West London Home
Money tied up in home
Money tied up in house
It is usual to encounter people seeking out lumpsum lifetime mortgages, monthly payment life time mortgage or home reversion plans, however, More2Life like The Exeter Equity Release are keen to see evidence of your circumstances in the form of pension statements.

Legal & General - Flexible Indigo

Legal & General - Flexible Blue

Canada Life - Lifestyle Lite

Pure Retirement - Classic Super Lite

Poor Credit Equity Release


Equity Release LTV

  • 60% home reversion schemes The Exeter Equity Release
  • 60% loan to value home reversion plans Age Partnership
  • 60% LTV monthly payment equity release Together Money
  • 50% loan to value lump sum lifetime mortgages Key Retirement
  • 35% loan to value monthly payment lifetime mortgage Prudential
  • 35% loan to value (LTV) lumpsum lifetime mortgages 1st Stop Home Loans


  • More 2 Life Capital Choice Plus Plan
  • L&G Legal & General Flexi Max Voluntary Repayment Plan
  • Bridgewater Lifetime Mortgage
  • More2Life Capital Choice Plan
  • L&G Legal & General Premier Flexible Lifetime Mortgage
  • Royal Bank of Scotland Lifetime Mortgage
  • Saga Lifetime Mortgage
  • Bridgewater Equity Release
  • Canada Life Prestige Flexi Option
  • More 2 Life Flexi Choice Voluntary Payment Super Lite
  • Aviva Equity Release Plans
  • TSB Equity Release Plans
  • NatWest Interest Only Lifetime Mortgage
  • Royal Bank of Scotland Lifetime Mortgage



One Family Lifetime Mortgages

Pure Retirement Drawdown Lifetime Mortgages


Downsides of Home Reversion Plans

Monthly payment lifetime mortgage can reduce your estate value. Lump sum lifetime mortgages may impact ability to get state benefits. You may need to pay an advisor’s fee and you could have higher rates to pay with some schemes.

The 1st and 2nd charge lender will want to know if the property is a Semi detached freehold house or a Leasehold house and if the resident is an Owner Occupier.

Business owners who could benefit from equity release estate planning

  • Treatment and coating of metals Long Sutton
  • Manufacture of electrical and electronic equipment for motor vehicles and their engines Nelson
  • Electrical installation Ponteland
  • Other retail sale in non-specialised stores Eye
  • Recreational vehicle parks, trailer parks and camping grounds Conisbrough
  • Manufacture of batteries and accumulators Petersfield
  • Manufacture of office and shop furniture Mablethorpe and Sutton
  • Other food services Immingham
  • Sale of other motor vehicles Sudbury
  • Wholesale of audio tapes, records, CDs and video tapes and the equipment on which these are played Malton
  • Video distribution activities Harworth and Bircotes
  • Security and commodity contracts dealing activities Pudsey
  • Manufacture of leather clothes Middlesbrough
  • Manufacture of steel drums and similar containers Crowle
  • Real estate agencies Blackrod
  • Pre-press and pre-media services Downham Market
  • Activities of collection agencies Ashby Woulds
  • Manufacture of plastics in primary forms Bolsover

Mortgages For People With Defaults

Towns of the UK where equity release is popular

  • Burnham-on-Sea
  • Haywards Heath
  • Sevenoaks
  • Sutton
  • Cirencester
  • Warminster
  • Guisborough
  • Colchester
  • Crowland
  • Newport Pagnell
  • Brighouse


Lenders for Equity Release

  • Aviva
  • Step Change
  • More2Life
  • Stonehaven Mortgage
  • Zurich


Equity Release Loan To Value

The older you are and the more serious your illnesses you are the more money you can release.

Equity release is idea for flats part of a semi-commercial property, mixed use titles and commercial property near by.