4.67% Equity Release Flats above shop or commercial properties 2026

flat-shop

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
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.
Total amount of mortgage/loans you have on your property*
Type of Finance*
- Equity Release
- Lifetime Mortgage
- Retirement Interest Only Mortgage
- Retirement Mortgage
- I'm Not Sure

Your Requirements
My Property or Home:*
How Much Money Would You To Like Raise?*
Please enter a number from 4000 to 20000000.
Type of Finance*
- Equity Release
- Lifetime Mortgage
- Retirement Interest Only Mortgage
- Retirement Mortgage
- Not Sure
I would like to*
- Refinance my existing property and stay
- Get new finance for a new property
Estimated Value Of Your Property?*
Total amount of mortgage/loans you have on your property*
About You
Please tell us about your self and what you want
Name*
First Last
Phone*
Date of Birth*
DD dash MM dash YYYY
Your Email Address:*
First Line Of Your Address:*
Your Postcode:*
Please Agree To Our T&C and Privacy*
- I Agree
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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.

Smaller Building Societies and Lenders

Large banks and Building Societies

Age-related offers

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

Crown

More2Life

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

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.

Information available at: https://www.concisefinance.co.uk/flat-shop
Last updated: 8th March 2026 8:45 am
First published: 26th April 2020 10:58 am
Number of updates: 1
Page visits: 15
Last visitor IP: 66.249.64.xxx
Age of last update: 157 days, 21 hours and 18 minutes

Dates and times use the site time zone: Europe/London.

Own a Flat above a shop or commercial property and need some equity release or a mortgage in 2026?