Equity Release and Lifetime mortgage deals for joint ownership property


  • Remove tax-free cash from your house even with a joint ownership
  • No regular monthly payments
  • Help your family with the cash you release
  • Stay living in your own house
  • Variable rates as low as 1.98% APR
  • Fixed rates of 2.12%
  • Rates have gone down in 2020
  • Your Requirements

  • Please enter a number from 4000 to 20000000.
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Raise money with your home
Money tied up in home
Homeowner in their 60s
Canada Life - Lifestyle Gold

Just lifetime mortgage

Legal & General - Premier Flexible Black

More2Life - Capital Choice Plus Plan

The 1st and 2nd charge lender will want to know if the property is a Detached freehold house or a Leasehold flat and if the resident is an AST Tenant.

Its usual to encounter people looking for lumpsum lifetime mortgages, monthly payment lifetime mortgage or home reversion plans, however, Aviva like The Exeter Equity Release are keen to see paperwork to show your personal circumstances in the form of bank statements.

Lenders for UK Equity Release

  • Key Retirement
  • Liverpool Victoria
  • Legal and General


Progressive Building Society Interest Only Mortgage

Downsides of Lifetime Mortgages

Monthly payment life time mortgage can reduce your estate value. Home reversion schemes may impact ability to claim entitlements. You may need to pay a broker’s fee and you could be exposed to changes in interest rates with some products.

  • Aviva Equity Release Schemes
  • More2Life Flexi Choice Voluntary Payment Super Lite
  • Royal Bank of Scotland Equity Release Schemes
  • Aviva Lifetime Mortgages for Pensioners
  • Bridgewater Equity Release
  • L&G Legal & General Flexible Lifetime Mortgage
  • Liverpool Victoria LV Equity Release Schemes
  • Nationwide Equity Release
  • HSBC Equity Release Schemes
  • Just retirement equity release key features
  • L&G Legal & General Flexi Max Voluntary Repayment Plan
  • HSBC Equity Release Schemes
  • Royal Bank of Scotland Lifetime Mortgage
  • Bridgewater Equity Release Plans
  • Canada Life Landlord Voluntary Select Plan
  • More2Life Tailored Choice Plan
  • Nationwide Equity Release Schemes
  • HSBC Lifetime Mortgage


Business owners who could benefit from equity release estate planning

  • Manufacture of wine from grape Stourbridge
  • Service activities incidental to water transportation Warwick
  • Television programming and broadcasting activities Oakham
  • Other retail sale in non-specialised stores St Austell
  • Manufacture of other transport equipment n e c Neston
  • Other passenger land transport Madeley
  • Installation of industrial machinery and equipment Malton
  • Activities of extraterritorial organizations and bodies Bishop Auckland
  • Urban planning and landscape architectural activities South Woodham Ferrers
  • Manufacture of wiring devices Fleet
  • Photocopying, document preparation and other specialised office support activities Brading
  • Manufacture of ready-mixed concrete Willesden
  • Activities of households as employers of domestic personnel Chagford
  • Specialised cleaning services Richmond
  • Manufacture of non-electronic measuring, testing etc equipment, not for industrial process control Ludlow
  • Manufacture of corrugated paper and paperboard, sacks and bags Belper
  • Repair of electronic and optical equipment Stony Stratford
  • Other non-ferrous metal production Horwich


Towns where equity release is common

  • Dursley
  • Southall
  • Whaley Bridge
  • Looe
  • Sandown
  • Tow Law
  • Rochford
  • Hingham
  • Ollerton and Boughton
  • Bourne
  • West Ham
  • Boroughbridge
  • Soham
  • Broseley
  • Newhaven


Equity Release LTV Percentages

  • 55% lump sum lifetime mortgages Old Mutual Wealth
  • 40% loan to value lump sum lifetime mortgages Stepchange
  • 30% loan to value monthly payment lifetime mortgage Bank of China UK
  • 35% loan to value home reversion plans LV equity release
  • 60% loan to value lump sum lifetime mortgages Norton Finance
  • 45% loan to value lumpsum lifetime mortgages Optimum Credit

Crown Mortgages

More2Life Retirement Mortgages

Crown Lifetime Mortgages

Progressive Building Society Over 75 Mortgage


Equity Release percentages of your current property value

The more elderly you are and the unhealthier you are the more money you can release.
Equity Release for properties owned as tenants in common