Is a Halifax retirement mortgage right for me in 2021? – 2.1% APR

Halifax Retirement Options

  • Remove tax-free money from your home
  • No monthly repayments-or just pay interest
  • 2.1% APR with a Halifax retirement mortgage
  • £299 valuation fee
  • No lenders fee
  • No brokers fee
  • Use your own solicitor
  • 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 2.1% 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 – Retirement Mortgages Halifax.

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Halifax retirement mortgage

Testimonials and Example Cases

halifax mortgages for over 65s

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.

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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.

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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.

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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.

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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.

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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.

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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.

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retirement mortgages halifax
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Halifax Retirement Mortgage alternatives

It’s common to find individuals looking for Halifax retirement mortgage, 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

Retirement Mortgages Halifax

The 1st and 2nd charge lender Retirement Mortgages Halifax 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.  A Halifax retirement mortgage can be a great product for many pensioners with a suitable income.

retirement interest only mortgages halifax

Equity Release Scheme Providers and Halifax retirement mortgage options

  • Key Retirement
  • Prudential Lifetime
  • Key Solutions
  • Crown
  • Legal and General
  • Retirement Mortgages Halifax
  • 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
  • Retirement mortgages halifax
  • 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
  • Retirement Mortgages Halifax at low rates for 2021
  • 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 with Retirement Mortgages Halifax

  • 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 – Halifax retirement mortgage

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

Legal & General - Premier Flexible Black

Areas where a Halifax retirement mortgage is 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.

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