Flying freeholds and creeping freeholds equity release plans


  • Release tax-free money from your house
  • No need to make regular monthly payments
  • Use the money to pay off credit cards and loans
  • Stay living in your own house for as long as you like
  • Your Requirements

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Money tied up in home
Money tied up in house
Homeowner in their 70s


Wealthy business owners who could benefit from equity release tax planning

  • Non-life reinsurance Erith
  • Manufacture of other non-metallic mineral products n e c Lynton & Lynmouth
  • Hospital activities Buxton
  • Manufacture of other furniture Broughton
  • Manufacture of prepared feeds for farm animals Loftus
  • Holiday centres and villages Chingford
  • Retail sale in non-specialised stores with food, beverages or tobacco predominating Brough
  • Agents specialized in the sale of other particular products Romford
  • Event catering activities Craven Arms
  • Repair of household appliances and home and garden equipment Alcester
  • Transmission of electricity Barnstaple
  • Retail sale of computers, peripheral units and software in specialised stores Hebden Royd
  • Manufacture of military fighting vehicles Tenbury Wells
  • Manufacture of electronic components Garstang
  • Manufacture of basic pharmaceutical products Penryn
  • Translation and interpretation activities Prudhoe
  • Quantity surveying activities Camelford
  • Retail sale of flowers, plants, seeds, fertilizers, pet animals and pet food in specialised stores Bawtry


Equity Release LTV Percentages

  • 60% monthly payment lifetime mortgage Zurich
  • 25% LTV lump sum lifetime mortgages Equifinance
  • 45% LTV lumpsum lifetime mortgages United Trust Bank


Downsides of Equity Release Schemes

Monthly payment life time mortgage can reduce your estate value. Monthly payment lifetime mortgage may impact ability to claim entitlements. You may need to pay an advisor’s fee and you could have higher rates to pay with some schemes.

Canada Life Home Finance lifetime mortgage for properties in Scotland

Pure Retirement - Classic Super Lite Plan

Just Retirement - Roll-Up Lifetime Mortgage

More2Life - Flexi Choice Super Lite

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

Equity Release percentages of your current property value

The more elderly you are and the sicker you are the more tax free money you can release.

Equity Release Providers

  • Key Solutions
  • New Life
  • Legal and General
  • New Life

Santander Lifetime Mortgage Home Reversion Plan

Towns where Lifetime Mortgages are routine

  • Cramlington
  • Cromer
  • Royston
  • Portland
  • Didcot
  • Hunstanton
  • Kenilworth
  • Bolton
  • Kidderminster
  • Cannock
  • Eye
  • Pontefract


  • More 2 Life Flexi Choice Drawdown Lite Plan
  • Bridgewater Lifetime Mortgage
  • Just Retirement Equity Release Schemes
  • More2Life Flexi Choice Drawdown Lite Plan
  • Stonehaven Lifetime Mortgage
  • Nationwide Equity Release
  • Lloyds Bank Equity Release Schemes
  • NatWest Equity Release Plans
  • More to Life Tailored Choice Plan
  • Royal Bank of Scotland Lifetime Mortgage
  • Age Partnership Equity Release Plans
  • Aviva Equity Release Plans
  • More2Life Flexi Choice Drawdown Lite Plan
  • L&G Legal & General Flexible Plus Lifetime Mortgage
  • HSBC Equity Release Plans
  • Lloyds Bank Lifetime Mortgage
  • TSB Equity Release Schemes
  • Hodge Equity Release Schemes
  • L&G Legal & General Premier Flexible Lifetime Mortgage
  • Liverpool Victoria LV Equity Release Plans
  • TSB Equity Release Schemes
  • Age Partnership Lifetime Mortgage
  • More2Life Capital Choice Plan
  • Stonehaven Equity Release Plan
  • NatWest Equity Release

Aviva Equity Release

Pure Retirement

LV Retirement Mortgages

Just Lifetime Mortgages

Santander Lifetime Mortgage

It is common to encounter people seeking out interest-only lifetime mortgages, lumpsum lifetime mortgages or interest-only lifetime mortgages, however, Key Retirement like Royal London Equity Release are keen to see evidence of your personal situation in the form of pension statements.

Question: We have seen a mews house we would like to buy but there is a funny situation with one of the rooms. Part of the hall on the first floor is over the neighbour’s bathroom.

Answer: Freehold properties are normally divided vertically so they do not overhang or overlap each other.

Where there is an overlap, this is known as a flying freehold.