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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

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

Customer Reviews


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.


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.


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.


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 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.


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.


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 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.


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.

  • Your Requirements

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

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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

A monthly payment lifetime mortgage can reduce your estate value. A monthly payment lifetime mortgage may impact the 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
Equity Release Mortgage Under 55

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.