Release tax-free money from your house
HSBC Pensioner Mortgage has low monthly payment options or no monthly repayments
Use the money to pay off credit cards and loans
Stay living in your own home for as long as you like

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*
Type of Finance*
- Equity Release
- Lifetime Mortgage
- Retirement Interest Only Mortgage
- Retirement Mortgage
- I’m Not Sure

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Recently completed mortgage, equity release and lifetime mortgage cases

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.

Sandra from Manchester

I got an 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.

Mr Williamson from Chiswick – HSBC Pensioner Mortgage

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 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.

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.

Mrs L from Nottingham – HSBC Pensioner Mortgages

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.

Mrs E from London

I was advised to get 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.

Mr G from Kent – HSBC Pensioner Mortgages

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.

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.

Hodge Lifetime Drawdown Lifetime Mortgages

Canada Life Equity Release

Pure Retirement

HSBC Pensioner Mortgage and similar lenders

More 2 Life Flexi Choice Voluntary Payment Super Lite
Just retirement defined benefit
HSBC Pensioner Mortgage
More2Life Flexi Choice Drawdown Lite Plan
More to Life Tailored Choice Plan

Saga Equity Release Schemes
Age Partnership Lifetime Mortgage
More2Life Tailored Choice Plan
Hodge Lifetime Mortgage Plus
HSBC Pensioner Mortgages

Liverpool Victoria LV Equity Release
More to Life Flexi Choice Drawdown Lite Plan
Pure Retirement Lifetime Mortgage
Saga Lifetime Mortgage

More2Life Capital Choice Plus Plan
TSB Equity Release Schemes
Liverpool Victoria LV Equity Release Plans
TSB Equity Release

What percentage can be released – HSBC Pensioner Mortgage?

The older you are and the unhealthier you are the more cash you can release with HSBC Pensioner Mortgages.

Downsides of Lifetime Mortgages

Monthly payment equity release can reduce your estate value. Lumpsum lifetime mortgages may impact the ability to claim entitlements. You may need to pay a legal fee and you could be exposed to changes in interest rates with some products.

HSBC Pensioner Mortgages are common among business owners like below

Activities of exhibition and fair organisers Chudleigh
Retail sale of hardware, paints and glass in specialised stores Southall
Fitness facilities Darlington
HSBC Pensioner Mortgage

Niche businesses

Other telecommunications activities Stockton-on-Tees
Manufacture of other general-purpose machinery n e c Thornbury
Manufacture of beer Doncaster
Sale of used cars and light motor vehicles Broadstairs and St Peters

Local businesses

Manufacture of pharmaceutical preparations Ashton-under-Lyne
Translation and interpretation activities Daventry
Sports and recreation education Dudley
Other human health activities Beckenham

Infrastructure business

Transmission of electricity Leigh-on-Sea
Agents specialized in the sale of other particular products Felixstowe
Binding and related services Wainfleet All Saints
Retail sale of telecommunications equipment other than mobile telephones Southend-on-Sea

Hardware and other manufacturers

Manufacture of other machine tools Uppingham
Activities of religious organizations Newton Aycliffe
Manufacture of other carpets and rugs Wallsend

UK Equity Release Providers

Key Retirement
Bridgewater
HSBC Pensioner Mortgage
the Telegraph
Bridgewater

It’s very regular to find individuals seeking out a lifetime mortgage with flexible drawdown cash release, monthly payment lifetime mortgage or home reversion schemes, however, Lifetime Mortgage from L&G like Fortify Insurance Solutions are keen to see paperwork to show your personal circumstances in the form of bank statements.

Towns of the UK where equity release is common

Newton-le-Willows
Southwell
Glastonbury
Minchinhampton
Ringwood

Ivybridge
Dorking
Ipswich
East Grinstead
Watton

Fordbridge
Kimberley
New Romney
Bourne

Acle
Dawlish
Cranbrook

What percentage can be released?

50% monthly payment lifetime mortgage Zurich
55% loan to value (LTV) HSBC Pensioner Mortgage
45% loan to value lumpsum lifetime mortgages Crown
25% loan to value (LTV) lumpsum lifetime mortgages Central Trust

Equity Release Calculator Under 55

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

Direct contact details for HSBC UK

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

Information available at: https://www.concisefinance.co.uk/hsbc-pensioner
Last updated: 7th July 2026 8:01 am
First published: 26th April 2020 11:10 am
Number of updates: 2
Page visits: 3
Last visitor IP: 66.249.79.xxx
Age of last update: 11 days, 23 hours and 53 minutes

Dates and times use the site time zone: Europe/London.

HSBC Pensioner Mortgage new for January 2026