Harpenden Building Society equity release rates and criteria

• Remove money from your home with Harpenden Building Society equity release
• No need to make regular monthly payments
• Help your family to buy a house
• Free valuation
• Continue to live in your own house.
• 5.08%

How much money can I get?

You can borrow 60% of your home’s valuation. For example, if your house is valued at £290,000, you can get £174,000.

Concise Finance Customer Reviews

Sandra from Manchester

I got an equity release to give my daughter money 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 reached the end of its term, and they wanted the £127,000 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

My lawyer told me my inheritance tax bill would be around £250,000. I got a lifetime mortgage to give my son and daughter money to 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 broker or lender 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 a deposit for her next house. She wanted a family, and her flat was too small.

David P

With my power of attorney, I got an 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’s birth and a year’s 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 poorly paid, and his bank would not lend him the money to buy a flat. My equity release allowed him to put down a substantial deposit, so his mortgage was minimal. My equity release interest rate was close to the interest rate his bank offered.

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.

Tough-to-finance home variants can include properties with legal agreements such as Overage, Clawback, Option, Pre-emption, or any onerous Restrictive Covenant, ground rent where the lease or any deed varying the lease provides for a ground rent exceeding, or where the escalating provisions would result in the ground rent exceeding £250 per annum (or £1000 per annum where the property is in Greater London), derelict property or where part of the building is in severe disrepair and needs demolishing, cob property and concrete panel houses.

Harpenden Building Society equity release

Tough-to-mortgage property titles include properties built or converted into dwellings more than 10 years ago, properties with a large number/scale of outbuildings, grades l and ll* Listed Buildings in England & Wales (Grades A and B in Scotland; A, B+ and B1 in Northern Ireland), properties with flying or creeping freeholds that comprise over 15% of the total floor area, and properties in coastal areas that may be affected by erosion.

Hard-to-mortgage property types can include prefabricated reinforced concrete (PRC), properties with single-skin brickwork where the single skin comprises more than 20% of the surface area of the external walls, steel frame/clad properties built before 1990, coach houses, i.e., freehold properties with garages beneath, and basement or lower ground-floor flats with level access to private or communal garden space.

Difficult-to-mortgage property types include properties where proposed building works have not yet commenced, age-restricted properties, right–to–buy properties in Scotland, properties with unregistered titles, subject to registration as part of the legal process, and freehold flats (England, Wales, Northern Ireland).

The typical loan-to-values of Standard Chartered mortgages for over 60s, Direct Line retirement mortgages over 65, Sainsbury’s mortgages over 65, Skipton Building Society interest-only lifetime mortgages for over 60s, Nottingham Building Society later life interest-only mortgages over 60 and National Counties Building Society interest-only lifetime mortgages for people over 60 are 40%, 60% and 70%.

Common LTV ratios of LV= later life borrowing schemes over 55, More to life mortgages over 65, One Family mortgages for over 65, Yorkshire Bank mortgages for 60 plus pensioners, Metro Bank interest only mortgages for people over 60 and Axa later life interest-only mortgages over 70 are 40%, 55% and 70%.

• New Build Properties Lifetime Mortgage
• How To Pay Off Your Mortgage
• Newcastle Building Society Interest-Only Mortgage
• Chorley Building Society Interest Rates
• Age Partnership
• Post Office Over 75 Mortgage
• Mortgages Over 60

• Teachers Building Society No Fees
• Short Leasehold Mortgage Rates 2026
• Key Retirement Interest Only Lifetime Mortgage
• Yorkshire Building Society Over 55 Mortgage
• Loughborough Building Society Equity Release Comparison
• Buckinghamshire Building Society Equity Release Calculator
• Bank Of Scotland Equity Release Reviews
• Market Harborough Building Society Pensioner Mortgage
• Gloucester Building Society Over 65 Mortgage
• Sunlife Lifetime Over 70 Mortgage
• Natwest Retirement Mortgage
• Mortgages For Over 75s
• Commercial Property With Living Accommodation
• Best Mortgages For Over 50s Pensioner Mortgage Loan
• Equity Release Over 70 Providers
• Interest Rates On Equity Release
• Aldermore Mortgage Review
• Lifetime Mortgage Equity Release Scheme
• Crown Equity Release Home
• Scottish Building Society Pensioner Mortgage Calculator
• Cheshire Building Society Lifetime Mortgages Interest Only
• Marsden Building Society Later Life Mortgages
• Natwest Interest Only Mortgage
• Hodge Lifetime Interest Only Lifetime Mortgage
• Getting A Mortgage On A Property With An Annexe
• Lifetime Mortgage Broker Fees
• Halifax Equity Release Scheme
• Japanese Knotweed Map
• Nationwide Equity Release Interest Rates
• Flying Leasehold
• Just Retirement Pensioner Mortgage
• Over 65 Mortgage
• Equity Release Under 60 Interest Rate
• Shared Equity Release House
• Yorkshire Bank Equity Release Interest Rates
• Studio Flat UK
• Natwest Equity Release
• Tipton & Coseley Mortgage Advisers
• Leek United Building Society Lifetime Mortgage
• Edinburgh Over 60 Mortgage
• Nationwide mortgages for over 60s Retirement Mortgages
• Yorkshire Bank Over 75 Mortgage

UK Equity Release Providers

• Just Retirement
• Norwich Union
• Age Concern

• Bridgewater Equity Release
• Just Retirement Interest Only Lifetime Mortgage
• More to Life 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
• More to Life Tailored Choice Plan
• Bridgewater Equity Release
• Canada Life Second Home Voluntary Select Plan
• Hodge Equity Release Plans
• Just Retirement Interest Only Lifetime Mortgage
• Lloyds Bank Equity Release Plans
• NatWest Lifetime Mortgage
• Just retirement equity release key features
• More to Life Flexi Choice Voluntary Payment Super Lite
• Stonehaven Equity Release
• TSB Equity Release Plans
• NatWest Interest-Only Lifetime Mortgage
• Saga Lifetime Mortgage

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

It’s common to find people seeking out monthly payment lifetime mortgages, lump sum lifetime mortgages, or monthly payment equity releases. However, like AIG Life, Bower is keen to see paperwork that shows your personal situation, such as pension statements.

Downsides of Equity Release Plans

Lump-sum lifetime mortgages can reduce the value of your estate. Interest-only lifetime mortgages may affect eligibility for 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 Santander Lifetime mortgage
• Goole Santander’s later life mortgages
• Amesbury Santander retirement mortgages
• New Mills Santander Equity Release over 65
• Wimbledon
• Witham Santander Pensioner mortgages for bad credit homeowners 2026
• Rotherham
• Stainforth Santander Equity release
• Ripley
• Corsham
• Harlow Debt Consolidation Loans for People with Bad Credit

Equity Release Loan To Value

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

Aviva Retirement Mortgages

Canada Life

One Family

The common loan-to-value ratios of Lloyds Bank interest-only mortgages for over-60s, Barclays Bank mortgages for 60-year-olds, Halifax over-60 lifetime mortgages with no fees, Legal and General mortgages for 60 plus, RBS later life mortgages for over-60s, and Nationwide BS over-60 lifetime mortgages with no fees are 50%, 60%, and 70%.

Crown

More to life 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 in Burslem
• Manufacture of pumps in Helston
• Support activities for performing arts in Newmarket
• Other retail sales in non-specialised stores in Hedge End
• Manufacture of prepared pet foods in Loughborough
• Cold drawing of bars in Stafford
• Manufacture of other parts and accessories for motor vehicles in Steyning
• Manufacture of office machinery and equipment, except for computers and peripheral equipment, in Westbury

Some of the most popular pensioner loan products are Lloyds retirement mortgages, Barclays interest-only lifetime mortgages, NatWest interest-only lifetime mortgages, Legal & General mortgages for people 60 plus and Nationwide Building Society retirement mortgages.