Remove tax-free equity from your property
It is not necessary to make regular monthly payments
Help your family with the money you release
Continue to stay in your home for as long as you like

How much money can I borrow?

You can release 65% of your property’s value. For example, if your house is worth £240000, you can release £156000.

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Recently completed mortgage, equity release and lifetime mortgage cases

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.

Non-Standard Property Home Index

William from London

My lawyer told me 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.

Ms G from Dover

I divorced my husband, who was a violent alcoholic. I feared losing my home as I sometimes looked after my daughter’s children. Equity release enabled me to pay off my ex and stay secure in my house.

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 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.

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.

Mrs G from Leeds

My daughter is a single mother, and I got a £120,000 lifetime mortgage to buy her a flat outright as she has had a succession of poorly maintained rental flats not suitable for her child.

Mrs Daly from Glasgow

My daughter lives in the States and does not have health insurance. My £30,000 lifetime mortgage paid the medical bills for her son’s birth and a year’s rent in advance for a new flat for the baby.

David P

With my power of attorney, I got an equity release on my father’s house to pay for disability provisions, including a lift and a new kitchen.

Equity Release Calculator Under 55

Aviva Lifetime Mortgages for Pensioners
TSB Equity Release
More to Life Capital Choice Plus Plan
Royal Bank of Scotland Lifetime Mortgage
Hodge Lifetime Flexible Drawdown Plan
Liverpool Victoria LV= Flexible Lifetime Mortgage
More to Life Flexi Choice Drawdown Lite Plan
Stonehaven Interest Only Lifetime Mortgage
Lloyds Bank Equity Release Schemes
Royal Bank of Scotland Lifetime Mortgage
Liverpool Victoria LV Equity Release
NatWest Equity Release Schemes
Just Retirement Equity Release Schemes
L&G Legal & General Flexible Max Plus
Royal Bank of Scotland Lifetime Mortgage
More 2 Life Tailored Choice Plan

Appealing retirement mortgage products include TSB interest-only lifetime mortgages, Barclays Bank pensioner mortgages for those over 70, NatWest retirement mortgages, Legal and General later-life interest-only mortgages for those over 60, and Nationwide Building Society pensioner mortgages for those over 70.

Some of the most popular loan to values of TSB retirement interest only mortgages over 60, mortgages for over 50 year olds, Halifax over 60 lifetime mortgages no fees, L&G mortgages for people 60 plus, Royal Bank of Scotland interest only mortgages for over 60 near London and Nationwide Building Society interest only mortgages for over 65 year olds are 50%, 60% and 70%.

Ecology Building Society Over 60 Mortgage

Does Buckinghamshire Building Society have good reviews for equity release?

Yes, Buckinghamshire Building Society reviews are superb for equity release.

Popular loan-to-value ratios of Liverpool Victoria later life mortgages for over 70s, More to Life interest only mortgages for over 65 year olds, OneFamily help to buy for over 60s, YBS interest only lifetime mortgages for people over 60, Metro Bank interest only mortgages for over 60s and SunLife over 60 lifetime mortgages no fees are 45%, 60% and 70%.

Difficult-to-finance home types include properties currently undergoing substantial alterations, extensions or repairs, entirely tenanted properties, leasehold properties where the lease length is currently unacceptable, properties with unregistered titles subject to these being registered as part of the legal process and properties owned under any form of shared equity scheme.

Popular loan to values of Aviva equity release schemes for over 55’s, Shepherds Friendly retirement mortgages over 70, Churchill lifetime mortgages for over 60s, Coventry Building Society retirement mortgages over 65, Newcastle Building Society mortgages over 70s and Progressive Building Society retirement mortgages over 60 are 50%, 60% and 70%.

The 1st and 2nd charge lender will want to know if the property is a semi-detached freehold house or a Leasehold flat with a share of freehold and if the resident is an owner-occupier.

What are the current Buckinghamshire Building Society rates for equity release?

Buckinghamshire Building Society interest rates for equity release are 2.3% APRC.

What percentage can be released?

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

Areas where Lifetime Mortgages are popular

Corringham
Ashington
Heathfield
Somerton
Boroughbridge
Woburn
West Bromwich
Northfleet
Hatherleigh
Carterton
Loddon
Lynton & Lynmouth
Callington
Helmsley
Wath-upon-Dearne
Southborough
Ludlow
Folkestone

Hard-to-finance home variants include pre-fabricated reinforced concrete (PRC), properties with pre-1945 asbestos or similar composition roof tiles, steel frame/clad properties built before 1990, coach houses, i.e., freehold properties with garages beneath, and privately developed flats in blocks of three or four storeys without a lift.

Does Buckinghamshire Building Society do Equity Release?

Yes, Buckinghamshire Building Society Equity Release is 5.13% APRC.

Downsides of Home Reversion Schemes

A monthly payment lifetime mortgage can reduce the value of your estate. Home reversion plans may impact the ability to claim entitlements. You may need to pay a legal fee and some products expose you to changes in interest rates.

How much is it common to release from a home

60% monthly payment lifetime mortgage Maximum cover Equity Release
40% loan to value lifetime mortgage with flexible drawdown cash release Stonehaven
25% loan to value monthly payment equity release Stafford Railway Building Society
45% loan to value interest-only lifetime mortgages West One
25% LTV monthly payment lifetime mortgage Bank of China UK

Providers for Equity Release

More to life
Stonehaven Mortgage
Aviva

Does Buckinghamshire Building Society do Pensioner Mortgages?

Yes, Buckinghamshire Building Society Pensioner Mortgages are 1.92% APR.

It’s very common to encounter people looking for monthly payment equity release, lump-sum lifetime mortgages, or home reversion schemes. However, Just Retirement, like LV Liverpool Victoria, is keen to see paperwork showing your circumstances, such as investment statements.

Challenging to finance property variants can include properties with land in addition to the domestic grounds up to a maximum property size of five acres, where the land is for everyday domestic use, properties with flying or creeping freehold which comprises 15% or less of the total floor area, properties with more than one annexe or self-contained part of the property, properties where there is a self-contained part of the property or annexe, i.e. basement flat etc and properties which have been built on a previously contaminated land are acceptable provided the result of an environmental search determines the land to be clear of contamination.

Does Buckinghamshire Building Society do Retirement Mortgages?

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

Does Buckinghamshire Building Society do Lifetime Mortgages?

Yes, Buckinghamshire Building Society does lifetime mortgages at 2.12% APR. Buckinghamshire Building Society Lifetime Mortgages can have a loan to value of 55%.

More to life Mortgages

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