1.94% MER
No lender fee
No broker fee
£289 valuation fee
Use your own solicitor
Remove tax-free equity from your house
No regular monthly repayments
Help your family to buy a house
Continue to live in your own property

2021 lifetime mortgage rates 1.94% APR for the lower loan to values, with slightly higher rates for larger amounts. No fees apart from a small valuation fee.

No pushy salespeople.

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*

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Customer Testimonials

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 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.

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.

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The mortgage lender will want to know if the property is a Freehold terraced house or a Leasehold flat and if the resident is an AST Tenant.

Successful business owners who could benefit from equity release estate planning

Manufacture of tools Whitworth
Operation of sports facilities Stalham
Manufacture of optical precision instruments Darley Dale
The weaving of textiles Honiton
Aluminium production Chipping Campden
Manufacture of imitation jewellery and related articles Kirkby Stephen
Holiday centres and villages Rochester
Non-trading company Enfield
Artistic creation St Ives
Sale of used cars and light motor vehicles Carlton Colville
Retail sale of sports goods, fishing gear, camping goods, boats and bicycles Winchelsea
Non-life reinsurance Long Sutton
Other manufacturing n e c Coleshill
Growing of cereals except for rice, leguminous crops and oil seeds Lydney
Processing and preserving of poultry meat Wickwar
Repair of machinery Westhoughton
First-degree level higher education Maryport
Repair of electronic and optical equipment Leyton

Equity Release LTV Percentages -interest-only mortgages HSBC

The older you are and the more serious your illnesses you are, the more tax-free cash you can release.

Areas in the UK where retirement mortgages are common

Aldeburgh
Hatfield
Halesworth
Bishops Waltham
Tenbury Wells
Orford
Teignmouth
Watlington
Crowland
Woburn Sands
Caistor
Loughton
Wallasey
Yeovil
Skegness
Highworth
Chippenham
Wath-upon-Dearne
Lydney
Axbridge
Chipping Sodbury
Stalbridge

What percentage can be released – HSBC lifetime mortgage?

55% lumpsum lifetime mortgages LV Liverpool Victoria
60% LTV lump sum lifetime mortgages Lifetime Mortgage from L&G
40% LTV monthly payment equity release Vida
25% loan to value lifetime mortgage with flexible drawdown cash release West Bromwich Building Society

Drawbacks of Home Reversion Schemes

Lumpsum lifetime mortgages can reduce the inheritance for your family. Monthly payment equity release may impact the ability to claim entitlements. You may need to pay an advisor’s fee and some products expose you to changes in interest rates.

Low rate HSBC lifetime mortgage options

Find out if HSBC can offer you the lowest rates for your home equity release. Options that include monthly repayments, interest-only repayments or no monthly repayments at all.

UK Lenders for Equity Release

Lifetime Mortgage from L&G
Stonehaven Mortgage
Key Solutions
Stonehaven

It’s common to find individuals searching for home reversion plans, lump sum lifetime mortgages or monthly payment equity release, however, More2Life like Legal & General are keen to see proof of your circumstances in the form of pension statements.

Canada Life Voluntary Select Gold Flexi
Hodge Lifetime Mortgage Flexible Drawdown Plan
More2Life Flexi Choice Drawdown Lite Plan
Nationwide Equity Release
HSBC Equity Release Schemes
TSB Equity Release
More to Life Flexi Choice Drawdown Lite Plan
Royal Bank of Scotland Lifetime Mortgage
Saga Equity Release Schemes
Bridgewater Equity Release Schemes
L&G Legal & General Flexible Max Scheme
Stonehaven Equity Release
Nationwide Interest Only Lifetime Mortgage
HSBC Equity Release Plans
Lloyds Bank Equity Release Schemes
More2Life Capital Choice Plus Plan
Just retirement equity release key features
L&G Legal & General Flexible Plus Lifetime Mortgage
Liverpool Victoria LV Equity Release Plans
HSBC Lifetime Mortgage
Lloyds Bank Equity Release Schemes
TSB Lifetime Mortgage
Saga Equity Release Plans

Aviva Mortgages

Canada Life Lifetime Mortgages

Crown Mortgages

HSBC UK Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register number: 765112). HSBC UK Bank plc is a company incorporated under the laws of England and Wales with company registration number 9928412 and its registered office at 1 Centenary Square, Birmingham, B1 1HQ. HSBC UK Bank plc’s registered VAT Number is GB 365684514. HSBC adheres to The Standards of Lending Practice which is monitored and enforced by the Lending Standards Board. Further details can be found at www.lendingstandardsboard.org.uk

Your Requirements

About You