Is a Halifax retirement mortgage right for me in 2020? – 2.1% APR

Halifax Retirement Options

  • Remove tax-free money from your home
  • No monthly repayments-or just pay interest
  • 2.1% APR
  • Use the money you release for anything you like
  • Continue to stay in your house for as long as you like

Rates as low as 2.09% APR with rates under 3% fixed.

Only a small valuation fee to pay.  No lenders fees, no product fees and no completion fees.  A simple transparent offer.

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retirement mortgages halifax
Money tied up in home

Santander Lifetime Mortgage Home Reversion Plan


Pure Retirement - Classic Super Lite Plan

Aviva Equity Release

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Crown Equity Release

Hodge Lifetime Retirement Mortgages


Hodge Lifetime

Pure Retirement Ltd lifetime mortgage
It’s common to find individuals looking for monthly payment equity release, lumpsum lifetime mortgages or home reversion plans. However, Key Retirement like Fortify Insurance Solutions is keen to see paperwork to show your circumstances in the form of pension statements.
Santander Lifetime Mortgage Reviews
The 1st and 2nd charge lender will want to know if the property is a Semi detached freehold house or a Leasehold house and if the resident is an Owner Occupier Primary Residence.

retirement interest only mortgages halifax

Equity Release Scheme Providers

  • Key Retirement
  • Prudential Lifetime
  • Key Solutions
  • Crown
  • Legal and General
  • Liverpool Victoria LV LVE

  • Aviva Equity Release Plans
  • Bridgewater Equity Release Plans
  • Just retirement defined benefit
  • Liverpool Victoria LV Equity Release Schemes
  • Pure Retirement Classic Voluntary Payment Super Lite
  • Nationwide Equity Release Plans
  • NatWest Interest Only Lifetime Mortgage
  • Saga Lifetime Mortgage
  • Aviva Lifestyle Flexible Option
  • Bridgewater Equity Release
  • Just Retirement Equity Release Plans
  • Liverpool Victoria LV Equity Release Plans
  • Pure Retirement Drawdown Plan
  • Nationwide Equity Release
  • Lloyds Bank Lifetime Mortgage
  • Saga Lifetime Mortgage
  • Age Partnership Equity Release Plans
  • More 2 Life Flexi Choice Voluntary Payment Super Lite
  • TSB Lifetime Interest Only Mortgage
  • Aviva Equity Release Plans
  • Just retirement defined benefit
  • Liverpool Victoria LV Equity Release Plans
  • More2Life Capital Choice Plan
  • NatWest Equity Release Schemes

How much is it common to release from a home

  • 55% monthly payment lifetime mortgage Royal London Equity Release
  • 35% loan to value interest-only lifetime mortgages One Family
  • 25% loan to value lump sum lifetime mortgages Beverley

Equity Release LTV Percentages

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

Legal & General - Premier Flexible Black

Areas where retirement mortgages are common

  • Seaham
  • Featherstone
  • Lyme Regis
  • Eccles
  • Greater Willington
  • Weymouth
  • Leek
  • Bridgwater
  • Ashburton
  • Watlington
  • Uppingham

Equity release is standard among small business owners like below

  • Publishing of computer games Telscombe
  • Manufacture of other carpets and rugs Poynton-with-Worth
  • Wholesale of dairy products, eggs and edible oils and fats Hartland
  • Library activities Chertsey
  • Operation of gravel and sand pits; mining of clays and kaolin Nantwich
  • Wholesale of radio, television goods & electrical household appliances other than records, tapes, CD’s & videotapes and the equipment used for playing them Flitwick
  • Wholesale of flowers and plants Elstree and Borehamwood
  • Retail sale by opticians Soham
  • Freshwater aquaculture Bourne
  • Other amusement and recreation activities n e c Wotton-under-Edge
  • Renting and operating of Housing Association real estate Rushden
  • Activities of mortgage finance companies Ellesmere
  • Licensed clubs Haywards Heath
  • Leasing of intellectual property and similar products, except copyright, works Wolverton and Greenleys
  • Operation of warehousing and storage facilities for water transport activities Slough
  • Other holiday and other collective accommodation Lechlade
  • Deep coal mines Hadleigh
  • Renting and leasing of cars and light motor vehicles Epping

Drawbacks of Home Reversion Schemes

Lifetime mortgage with flexible drawdown cash release can reduce the value of your estate. Interest-only lifetime mortgages may impact the ability to claim entitlements. You may need to pay a broker’s fee, and you could have higher rates to pay with some schemes.

Halifax, PO Box 548, Leeds, LS1 1WU