Own a Flat above a shop or commercial property and need some equity release or a mortgage in 2021?


  • Release cash from your flat even if it’s above a commercial premises
  • Ideal for flats above shops or other commercial property
  • Variable rates 1.98% and fixed rates 2.56%
  • No need to make monthly payments unless you want to make a payment
  • Use the money to pay off debts
  • Could be used to help tax planning
  • Your Requirements

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

South West London Home
West London Home
South West London Home
Money tied up in home
Money tied up in house

  • Your Requirements

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

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Buying a self contained flat above a late night shop

Finding a mortgage lender and getting a mortgage above a shop may be more difficult than say a normal freehold detached house.  Your likely to need a different bank or building society that is a specialist to get mortgages near commercial premises.

It is usual to encounter people seeking out lump sum lifetime mortgages, monthly payment lifetime 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

Smaller Building Societies and Lenders

Large banks and Building Societies

Age-related offers

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

A monthly payment lifetime mortgage can reduce your estate value. Lump-sum lifetime mortgages may impact the 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 sales 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 videotapes 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 nearby.