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Flood risk warning property equity release lender – 2.78% APR


  • Remove tax-free money from your house
  • Coastal erosion risk area properties considered
  • Flood risk properties flooded in the last 10 years
  • No monthly repayments
  • Buy a family member a home without a mortgage
  • Stay living in your own property for as long as you like
  • Your Requirements

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

Concise Finance Customer Reviews


Sophie G from Aberdeen

The financial advisor I’ve had for 25 years said I could save inheritance tax by getting £350,000 of equity release. The money was lent at a very low-interest rate close to 2% and competitive with normal mortgages you would get by proving income. I have saved a lot of tax.


Ms T from Hammersmith

My husband recently died leaving me with a mortgage I could not afford to pay. The lifetime mortgage allowed me to pay off the mortgage and have enough money left over for a new bathroom, kitchen, and roof repair.


Mr Williamson from Chiswick

My son is a chef in a care home. He is not well paid. No way his bank would lend him the money to buy a flat. My equity release enabled him to put a substantial deposit down so his mortgage was very small. My equity release interest rate was close to his interest rate offered by his bank.


Mrs Shaw from Lancaster

I had an interest-only mortgage with Birmingham Midshires. The mortgage had come to the end of its term and they wanted the £127000 back I still owed them. My lifetime mortgage saved me from losing my home and the rate was close to what I paid before.


Mrs M from Birmingham

With no brokers fees and no lenders fees, I got an interest-only retirement mortgage which I pay each month from my private pension. The money released went to my daughter for her wedding and deposit for her next house. She wanted a family, and her flat was too small.


Mrs L from Nottingham

I had to pay a valuation fee and a solicitor’s fee, but no lender or broker fees for my lifetime mortgage. As I was divorcing my husband of 30 years the money went to him for his share of the house. I am happy now as I am secure, and I do not need to move from my home.


Mrs E from London

I was advised to get equity release from my East London home to minimise inheritance tax. My son and daughter used the money to pay down their mortgages. The interest rate on the equity release was so low it was close to their mortgage rate.


Mr G from Kent

I got an interest-only lifetime mortgage and gave my sons £100,000 each so they could put a deposit down on a home. My money made it possible for them to get a very good mortgage deal, especially one son who is not well paid.


Julia A

My mother has dementia. With my solicitor and my power of attorney, I got equity release on my mother’s house to pay for specialist modifications for her comfort.

  • Your Requirements

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

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Home equity Tied Up
London House Finance
Over 55 Home owner
Raise money with your home
OneFamily joint lifetime mortgage

LV= Lump Sum+ Lifetime Mortgage

Pure Retirement - Classic Super Lite

Pure Retirement Ltd lifetime mortgage

55+ Mortgage


UK Lenders for Equity Release

  • the Telegraph
  • Norwich Union
  • More2Life

Canada Life



Equity Release LTV Percentages

  • 60% lifetime mortgage with flexible drawdown cash release Old Mutual Wealth
  • 60% loan to value monthly payment life time mortgage Bower
  • 50% loan to value lifetime mortgage with flexible drawdown cash release Norton Finance
  • 25% loan to value (LTV) lump sum lifetime mortgages Halifax
  • 25% LTV interest-only lifetime mortgages Central Trust


Disadvantages of Home Reversion Schemes

Monthly payment life time mortgage can reduce the inheritance for your family. Interest-only lifetime mortgages may impact ability to claim benefits. You may need to pay a broker’s fee and some products expose you to changes in interest rates.

  • Hodge Lifetime Flexible Drawdown Plan
  • Pure Retirement Drawdown Plan
  • HSBC Equity Release
  • TSB Equity Release Schemes
  • More to Life Flexi Choice Drawdown Lite Plan
  • Royal Bank of Scotland Equity Release
  • Saga Lifetime Mortgage
  • Bridgewater Equity Release Schemes
  • Lloyds Bank Equity Release
  • TSB Equity Release Schemes
  • Saga home reversion schemes
  • Aviva Equity Release
  • More 2 Life Tailored Choice Plan
  • HSBC Interest Only Lifetime Mortgage
  • TSB Equity Release Plans
  • Age Partnership Lifetime Mortgage
  • Liverpool Victoria LV= Lump Sum Plus Lifetime Mortgage
  • Stonehaven Equity Release
  • HSBC Equity Release
  • NatWest Equity Release
  • Saga Lifetime Mortgage

Equity Release Under 55

Retired business owners that may be interested in Home Reversion Schemes

  • Compulsory social security activities Morecambe
  • Manufacture of breakfast cereals and cereals-based food Peterlee
  • Wholesale of household goods other than musical instruments n e c Royal Tunbridge Wells
  • Other sports activities Prudhoe
  • Mining of chemical and fertilizer minerals Moretonhampstead
  • Manufacture of jewellery and related articles Egremont
  • Manufacture of ceramic household and ornamental articles New Mills
  • Wholesale of sugar and chocolate and sugar confectionery Penzance
  • Risk and damage evaluation Luton
  • Other accommodation Leyburn
  • Development of building projects Banbury
  • Production of electricity Southwold
  • Printing n e c Tidworth
  • Manufacture of other men’s outerwear Uckfield
  • Manufacture of office machinery and equipment except computers and peripheral equipment Tadcaster
  • Wholesale of wine, beer, spirits and other alcoholic beverages Cranbrook
  • Retail sale of watches and jewellery in specialised stores Southsea
  • Wholesale of meat and meat products Haxby


Towns of the UK where Lifetime Mortgages are routine

  • Bradley Stoke
  • Horsforth
  • Melton Mowbray
  • Yeovil
  • Bradford-on-Avon
  • Dewsbury
  • Arlesey
  • Harrogate
  • Kesgrave
  • Steyning
  • Sale
  • Belper

It’s often found to discover individuals searching for monthly payment lifetime mortgage, monthly payment life time mortgage or monthly payment equity release, however, Legal and General like The Exeter Equity Release are keen to see proof of your personal circumstances in the form of bank statements.

What percentage can be released?

The older you are and the unhealthier you are the more cash you can release.

The 1st and 2nd charge lender will want to know if the property is a Freehold house or a Leasehold flat and if the resident is an AST Tenant.

No flooding history and/or low flood risk
Properties that have flooded morethan 10 years ago and are not situatedin a high flood riskarea.
Properties that have flooded in the last10 years or are situated in a highflood or coastal erosion risk area.