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Flats with short leases – Apartment lease


  • Remove tax-free equity from your property
  • 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
  • Your Requirements

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

Recently completed mortgage, equity release and lifetime mortgage cases


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.


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.


Ms G from Dover

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


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.


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.


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 to be born and a years rent in advance for a new flat for the baby.


David P

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

  • Your Requirements

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

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Homeowner in their 70s
Over 55 Home owner
Equity Release Calculator Under 55

Homeowner in their 60s
Money tied up in home


  • 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
  • HSBC Lifetime Mortgage
  • NatWest Equity Release Schemes
  • Just Retirement Equity Release Schemes
  • L&G Legal & General Flexible Max Plus
  • HSBC Equity Release Schemes
  • Royal Bank of Scotland Lifetime Mortgage
  • More 2 Life Tailored Choice Plan

Ecology Building Society Equity Loan

Ecology Building Society Over 60 Mortgage

Legal & General - Flexible Indigo

more 2 life joint lifetime mortgage

More2Life - Tailored Choice Plan

more 2 life lifetime mortgage

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

What percentage can be released?

The more elderly you are and the more serious your illnesses you are 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


Downsides of Home Reversion Schemes

Monthly payment life time mortgage can reduce the value of your estate. Home reversion plans may impact 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 life time 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

  • More2Life
  • Stonehaven Mortgage
  • Aviva

It’s very regular to encounter people looking for monthly payment equity release, lump sum life time mortgages or home reversion schemes, however, Just Retirement like LV Liverpool Victoria are keen to see paperwork to show your circumstances in the form of investment statements.

More2Life Mortgages

Pure Retirement Drawdown Lifetime Mortgages


Equity release is common among small business owners like below

  • Wholesale of perfume and cosmetics Hartland
  • Manufacture of bricks, tiles and construction products, in baked clay Coleford
  • Renting and leasing of construction and civil engineering machinery and equipment Cheltenham
  • Support activities to performing arts Mansfield
  • Sawmilling and planing of wood Wath-upon-Dearne
  • Building societies Barrow-in-Furness
  • Unlicensed carrier Crawley
  • Retail sale of watches and jewellery in specialised stores Workington
  • Publishing of computer games Windermere
  • Manufacture of irradiation, electromedical and electrotherapeutic equipment Winsford
  • Manufacture of dyes and pigments Saltash
  • Other reservation service activities n e c Romsey
  • Artistic creation Bovey Tracey
  • Other building completion and finishing St Neots
  • Manufacture of prepared pet foods Redruth
  • Retail sale by opticians Waltham Cross
  • Manufacture of machinery for textile, apparel and leather production Redenhall with Harleston
  • Raising of other animals Nailsea

Some lenders are willing to lend against property titles with a short lease.