Remove tax-free cash from your property
No need to make regular monthly payments
Use the money you release for anything you like
Stay living in your own house

Your Requirements
How Much Would You Like Borrow/Release?*
Please enter a number from 4000 to 200000000.
Value of your property*
Please enter a number from 50000 to 10000000.
Total amount of mortgage/loans you have on your property*
Please enter a number from 50000 to 10000000.
Type of Finance*
- Equity Release
- Lifetime Mortgage
- Retirement Interest Only Mortgage
- Retirement Mortgage
- I'm Not Sure

About You
Name*
First Last
First Line Of Your Address:*
Your Postcode:*
Please Agree To Our T&C and Privacy*
- I Agree

Date of Birth*
Your Email Address:*
Phone Number*

Recently completed mortgage, equity release and lifetime mortgage cases

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.

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.

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.

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.

Mrs E from London

I was advised to get an 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.

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.

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.

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.

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.

Your Requirements
My Property or Home:*
How Much Money Would You To Like Raise?*
Please enter a number from 4000 to 20000000.
Type of Finance*
- Equity Release
- Lifetime Mortgage
- Retirement Interest Only Mortgage
- Retirement Mortgage
- Not Sure
I would like to*
- Refinance my existing property and stay
- Get new finance for a new property
Estimated Value Of Your Property?*
Total amount of mortgage/loans you have on your property*
About You
Please tell us about your self and what you want
Name*
First Last
Phone*
Date of Birth*
DD dash MM dash YYYY
Your Email Address:*
First Line Of Your Address:*
Your Postcode:*
Please Agree To Our T&C and Privacy*
- I Agree
By clicking Submit and ticking the box above you agree to be contacted by an FCA authorised advisor that you have read and agreed to our Terms & Conditions and our Privacy Policy.

It is usual to discover individuals seeking out a monthly payment lifetime mortgage, lump sum lifetime mortgages or home reversion schemes, however, Sunlife Plans like LV Liverpool Victoria are keen to see proof of your personal circumstances in the form of pension statements.

Aviva Equity Release
Bridgewater Equity Release Plans
More2Life Capital Choice Plan
Pure Retirement Drawdown Plan
Nationwide Equity Release Plans
HSBC Equity Release Plans
NatWest Equity Release Plans
More to Life Flexi Choice Drawdown Lite Plan
More2Life Tailored Choice Plan
More to Life Capital Choice Plus Plan
Pure Retirement Drawdown Plan
NatWest Equity Release
More2Life Flexi Choice Drawdown Lite Plan
L&G Legal & General Flexible Max Plus
Liverpool Victoria LV= Flexible Lifetime Mortgage
Stonehaven Equity Release Scheme
Canada Life Voluntary Select Gold
Stonehaven Interest Only Lifetime Mortgage
Nationwide Interest Only Lifetime Mortgage
Lloyds Bank Lifetime Mortgage
Royal Bank of Scotland Equity Release Schemes
More 2 Life Capital Choice Plan

Areas in the UK where retirement mortgages are common

Oundle
St Neots
Slough
Epsom and Ewell
Ross-on-Wye
Halesowen
Minehead
Hounslow
Langport
Rothwell
Leyburn
Epping
Stockton-on-Tees
Billericay
Sutton
Shipston-on-Stour

Equity Release Providers

the Telegraph
Stepchange
Aviva

Equity Release LTV

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

LV Equity Release

Canada Life Retirement Mortgages

Hodge Lifetime Mortgages

LV Retirement Mortgages

Downsides of Home Reversion Schemes

Lump-sum lifetime mortgages can reduce the inheritance for your family. Lifetime mortgage with flexible drawdown cash release may impact entitlements to state benefits. You may need to pay a valuation fee and some products expose you to changes in interest rates.

Retired business owners that may be interested in lifetime mortgages

Library activities Chingford
Veterinary activities Royal Tunbridge Wells
Construction of railways and underground railways Blackwater and Hawley
The weaving of textiles Lowestoft
Manufacture of other non-metallic mineral products n e c Cockermouth
Manufacture of magnetic and optical media Flitwick
Silviculture and other forestry activities Ipswich
First-degree level higher education Plympton
Renting and leasing of other personal and household goods Dinnington St Johns
Residential nursing care facilities Bournemouth
Other credit granting n e c Kingston-upon-Thames
Book publishing Tottenham
Scheduled passenger air transport Horncastle
Repair of footwear and leather goods Long Sutton
Manufacture of veneer sheets and wood-based panels Buckfastleigh
Motion picture projection activities Edmonton
Manufacture of household and sanitary goods and of toilet requisites Wellingborough
Activities of trade unions Slough

How much is it common to release from a home

55% home reversion schemes Legal & General
55% loan to value monthly payment equity release Age Partnership
30% loan to value (LTV) lifetime mortgage with flexible drawdown cash release Evolution Money
50% LTV lump sum lifetime mortgages Equifinance
40% loan to value (LTV) lumpsum lifetime mortgages West One
50% LTV home reversion plans Paragon Personal Finance
25% loan to value (LTV) lump sum lifetime mortgages Kent Reliance

The lender will want to know if the property is a Detached freehold house or a Leasehold flat with share of freehold and if the resident is an AST Tenant.

Hanley Economic Building Society Product name: Retirement Interest-Only Mortgages Capital repayment or interest-only? Interest-only. Minimum property value: £50,000. Minimum/Maximum loan sum: £10,000/£750,000. Maximum LTV: 65%. Minimum/Maximum age at application: 55 Minimum, no max. Minimum income: none, though you’ll need to be able to prove you can afford the interest payments. Mortgage term: 55 years max. Overpayments: unlimited, fee-free. How is the loan repaid? When you die or move into care and the property is sold (although other arrangements will be considered), or when you sell the property and move elsewhere. How to apply: directly or through selected mortgage brokers.

Your Requirements

About You