Remove tax-free equity from your property- No need to make regular monthly payments
- Use the cash to pay off loans and credit cards
- Still have a mortgage? We can help with that
- Continue to stay in your property
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 G from Kent
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.
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.
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.
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.
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.
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.
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.
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.
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 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.
Retired business owners that may be interested in Home Reversion Schemes
- Technical and vocational secondary education East Cowes
- Casting of light metals Burton Latimer
- Licensed carriers Uppingham
- Residential care activities for the elderly and disabled Epworth
- Manufacture of other non-metallic mineral products n e c Yateley
- Other letting and operating of own or leased real estate Royal Leamington Spa
- Manufacture of plastics and rubber machinery Bentham
- Residential nursing care facilities Chapel-en-le-Frith
- Travel agency activities Carterton
- Machining Lewes
- Wholesale of live animals Coalville
- Other retail sale of new goods in specialised stores not commercial art galleries and opticians Haslemere
- Renting and leasing of agricultural machinery and equipment Middleton
- Sale of new cars and light motor vehicles Kidderminster
- Manufacture of other milk products Stockport
- Manufacture of condiments and seasonings Great Torrington
- Manufacture of light metal packaging Reepham
- Manufacture of electrical and electronic equipment for motor vehicles and their engines Horley
- Natwest Equity Release Interest Rates
- HSBC Equity Release Brokers Uk
- Halifax
- Lloyds Bank Equity Release Plan
- Lloyds Bank Retirement Mortgages Comparison
- Halifax Equity Release Interest Rates
- Nationwide Retirement Mortgage
- Nationwide Equity Release From Property
- Halifax Lifetime Mortgage Rates 2026
- Lloyds Retirement Mortgage Broker
- Santander Retirement Mortgage Providers
- Lloyds Equity Release Interest Rates
- Natwest Retirement Mortgage House
- Nationwide Lifetime Mortgage Calculator
- Santander
- HSBC Retirement Mortgage Uk
- Lloyds Lifetime Mortgage Advisers
- Natwest Lifetime Mortgage On Second Property
- HSBC Lifetime Mortgage Home Reversion Plan
- Lloyds Bank Lifetime Mortgage Drawdown Scheme
Equity Release LTV
- 60% home reversion schemes Old Mutual Wealth
- 30% loan to value monthly payment equity release Evolution Money
- 50% LTV interest-only lifetime mortgages Paragon Personal Finance
- 30% LTV home reversion schemes BlueZest
Areas of the UK where equity release is routine
- Gravesend
- Great Yarmouth
- Potton
- Brampton
- Rothbury
- Winchcombe
- Haverhill
- Stonehouse
- Driffield
- Ampthill
- Knutsford
- Penrith
- Todmorden
- Ashbourne
- Diss
- Nantwich
- Northam
- Diss
- Clare
- Clun
- Tipton
- Shipston-on-Stour
The lender will want to know if the property is a Freehold terraced house or a Leasehold flat and if the resident is an Owner Occupier Primary Residence.
It is usual to discover individuals seeking out lump sum lifetime mortgages, monthly payment lifetime mortgage or home reversion schemes, however, Sunlife Plans like Royal London Equity Release are keen to see proof of your personal situation in the form of pension statements.
Drawbacks of Lifetime Mortgages
Lifetime mortgage with flexible drawdown cash release can reduce the value of your estate. Monthly payment equity release may impact entitlements to state benefits. You may need to pay an advisor’s fee and you could have higher rates to pay with some schemes.
- Bridgewater Lifetime Mortgage
- Lloyds Bank Equity Release Plans
- Age Partnership Equity Release Schemes
- Pure Retirement Equity Release Schemes
- Stonehaven Equity Release
- Nationwide Equity Release Plans
- Royal Bank of Scotland Equity Release Plans
- Aviva Lifetime Mortgage
- Liverpool Victoria LV= Lump Sum Plus Lifetime Mortgage
- Pure Retirement Equity Release
- Lloyds Bank Lifetime Mortgage
- Saga Lifetime Mortgage
- More to Life Tailored Choice Plan
- Royal Bank of Scotland Equity Release
- More 2 Life Flexi Choice Voluntary Payment Super Lite
Lenders for Equity Release
- Age Partnership
- Prudential
- Bower
Equity Release Loan To Value
The older you are and the the more illnesses you have you are the more tax free money you can release.