Remove money from your home
No need to make regular monthly payments
Help your family to buy a house
Continue to live 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.
Type of Finance*
- Equity Release
- Lifetime Mortgage
- Retirement Interest Only Mortgage
- Retirement Mortgage
- Conventional Payment Mortgage

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*

Concise Finance Customer Reviews

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.

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.

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 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.

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.

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.

https://www.harpendenbs.co.uk/

UK Equity Release Providers

Just Retirement
Norwich Union
Age Concern

Bridgewater Equity Release
Just Retirement Interest Only Lifetime Mortgage
More2Life Capital Choice Plan
Pure Retirement Lifetime Mortgage
Royal Bank of Scotland Equity Release
Age Partnership Lifetime Mortgage
More 2 Life Flexi Choice Drawdown Lite Plan
More2Life Tailored Choice Plan
Bridgewater Equity Release
Canada Life Second Home Voluntary Select Plan
Hodge Equity Release Plans
Just Retirement Interest Only Lifetime Mortgage
HSBC Equity Release Plans
Lloyds Bank Equity Release Plans
NatWest Lifetime Mortgage
Just retirement equity release key features
More2Life Flexi Choice Voluntary Payment Super Lite
Stonehaven Equity Release
HSBC Lifetime Mortgage
TSB Equity Release Plans
NatWest Interest Only Lifetime Mortgage
Saga Lifetime Mortgage

The 1st and 2nd charge lender will want to know if the property is a Semi detached freehold house or a Leasehold flat with share of freehold and if the resident is a Private Tenant.

It’s very regular to find people seeking out monthly payment lifetime mortgage, lumpsum lifetime mortgages or monthly payment equity release, however, Bower like AIG Life are keen to see paperwork to show your personal situation in the form of pension statements.

Downsides of Equity Release Plans

Lump-sum lifetime mortgages can reduce the value of your estate. Interest-only lifetime mortgages may impact the ability to get state benefits. You may need to pay a solicitor’s fee and you could have higher rates to pay with some schemes.

Areas where retirement mortgages are common

Basingstoke
Chesham
Goole
Amesbury
New Mills
Wimbledon
Witham
Rotherham
Stainforth
Ripley
Corsham
Harlow

Equity Release Loan To Value

55% lump sum lifetime mortgages AA equity release
45% LTV lumpsum lifetime mortgages Step Change
30% loan to value lifetime mortgage with flexible drawdown cash release Holmesdale Building Society

Aviva Retirement Mortgages

Equity Release percentages of your current property value

The older you are and the unhealthier you are the more tax-free cash you can release.

Examples of retired small business owners likely to have equity to release

Gathering of wild growing non-wood products Bromborough
Demolition Honiton
Raising of other animals Longridge
Wholesale of other intermediate products Burslem
Manufacture of pumps Helston
Support activities to performing arts Newmarket
Other retail sales in non-specialised stores Hedge End
Manufacture of prepared pet foods Loughborough
Cold drawing of bars Stafford
Manufacture of other parts and accessories for motor vehicles Steyning
Manufacture of office machinery and equipment except for computers and peripheral equipment Westbury
Public relations and communications activities New Romney
Manufacture of tools Royal Tunbridge Wells
Collection of non-hazardous waste Windsor
Manufacture of professional and arcade games and toys Chulmleigh
Processing and preserving of poultry meat Cheltenham
Wholesale of dairy products, eggs and edible oils and fats Stamford
Retail sale of textiles in specialised stores Oswestry

Your Requirements

About You