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Find out if Just Retirement Equity Release is a good deal for you.

  • Just Retirement Equity ReleaseRelease equity from your house
  • No need to make monthly payments
  • Use the money for a motorhome or new car
  • Still have a mortgage? We can help with that
  • Continue to stay in your house for as long as you like

How much cash can I get?

You can release 65% of your home’s valuation. For example, if your house is worth £330000 you can borrow £214500.

  • Free No Obligation Quote

  • Please enter a number from 3000 to 2000000000.
  • Please enter a number from 30000 to 100000000.
  • Leave blank if no mortgage outstanding
  • About You

Customer Testimonials



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.


Ms G from Dover

I divorced my husband who was a violent alcoholic. I really feared losing my home as I sometimes look after my daughter’s children. Equity release enabled me to pay off my ex and stay secure in my home.


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.


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 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 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

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.

  • Free No Obligation Quote

  • Please enter a number from 4000 to 20000000.
  • Leave blank if no mortgage outstanding
  • About You

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Homeowner in their 60s

Challenging to finance home titles include high service charges, properties without a kitchen or bathroom, properties where there are boundary disputes or where planning applications have not been applied for correctly, timber buildings and properties that has never been registered with the land registry.

West London Home

It is often found to find people looking for monthly payment equity release, lumpsum lifetime mortgages or home reversion plans, however, Sunlife Plans like Fortify Insurance Solutions are keen to see proof of your situation in the form of investment statements.

Equity Release LTV Percentages

  • 55% monthly payment lifetime mortgage AA equity release
  • 50% loan to value lumpsum lifetime mortgages Age Concern
  • 25% loan to value lump sum lifetime mortgages Masthaven
  • 40% loan to value monthly payment equity release Stepchange
  • 25% loan to value lumpsum lifetime mortgages Paragon BTLPortfolio


Equity Release percentages of your current property value

The more aged you are and the unhealthier you are the more tax-free cash you can release.

Lloyds Bank Retirement Mortgages Reviews

Tough to mortgage home variants can include properties with land in addition to the domestic grounds up to a maximum property size of five acres, where the land is for normal domestic use, properties converted from modern commercial premises, properties without direct access to an adopted highway or which are accessed over an unmade road, properties with mobile phone masts which are not within influencing distance of the house and properties that have a private water supply provided a contract is in place with an approved maintenance company for regular testing and maintenance.

Equity release is common among small business owners like below

  • Wholesale of other fuels and related products Cheltenham
  • Urban planning and landscape architectural activities Ledbury
  • Support activities to performing arts Oldbury
  • Service activities incidental to water transportation Kingston-upon-Thames
  • Information technology consultancy activities Hadleigh
  • Investigation activities Keynsham
  • Funeral and related activities Steyning
  • Reproduction of sound recording Amesbury
  • Other service activities n e c Southwick
  • Activities of patent and copyright agents; other legal activities n e c Charlbury
  • Manufacture of ice cream Crook
  • Trade of electricity Bude-Stratton
  • Motion picture distribution activities Bridgnorth
  • Manufacture of engines and turbines, except aircraft, vehicle and cycle engines Morpeth
  • Pension funding Snodland
  • Manufacture of other plastic products Saffron Walden
  • Growing of spices, aromatic, drug and pharmaceutical crops Chilton
  • Mining of iron ores Finchley


Difficult to finance home variants can include eco houses and modern methods of construction, properties with spray foam insulation applied to the underside of the roof, steel frame/clad properties built before 1990, coach houses i.e. freehold properties with garages beneath and freehold flats (England, Wales, Northern Ireland).

Towns of the UK where equity release is routine

  • St Helens
  • Northampton
  • West Bedlington
  • Long Sutton
  • Prudhoe
  • Holsworthy
  • Helmsley
  • Somerton
  • Woburn
  • Ampthill
  • Worksop
  • Halesowen
  • Great Torrington
  • Middlesbrough

Canada Life - Lifestyle Lite

Hard to mortgage property variants can include properties in poor condition, properties where multiple third parties are living in an annexe, freehold houses and bungalows (England, Wales, Northern Ireland), crofted houses and properties with owned solar panels.

more 2 life lifetime mortgage

Some of the most popular loan to value percentage ratiosof Virgin Money lifetime mortgages for people over 55, Zurich mortgages for over 60s, Churchill mortgages over 70s, Coventry Building Society remortgages for people over 50 years old, Newcastle Building Society mortgages for over 50 year olds and National Counties Building Society equity release schemes for people over 70 are 50%, 55% and 65%.

Aviva lifetime mortgage with cashback

Some of the most common LTV percentages of LVE mortgages over 65, More 2 Life later life borrowing schemes over 55, One Family mortgages for 60 year olds, Yorkshire Building Society later life mortgages for over 70s, Principality Building Society lifetime mortgages for over 55s and Axa later life interest only mortgages over 70 are 45%, 60% and 70%.

Canada Life - Lifestyle Gold

  • Bridgewater Equity Release Plans
  • Just retirement equity release key features
  • Stonehaven Interest Only Lifetime Mortgage
  • More to Life Tailored Choice Plan
  • Hodge Lifetime Flexible Voluntary Repayment Plan
  • More to Life Tailored Choice Plan
  • Pure Retirement Equity Release Plans
  • Stonehaven Lifetime Mortgage
  • Nationwide Interest Only Lifetime Mortgage
  • Bridgewater Equity Release Schemes
  • More 2 Life Tailored Choice Plan
  • Pure Retirement Lifetime Mortgage
  • Stonehaven Lifetime Mortgage
  • Nationwide Equity Release Plans
  • Aviva Lifestyle Flexible Option
  • Bridgewater Equity Release Schemes
  • Just retirement equity release lifetime mortgages
  • Liverpool Victoria LV Equity Release
  • More to life Capital Choice Plan
  • TSB Equity Release
  • NatWest Lifetime Mortgage

Aviva Equity Release

Pure Retirement Drawdown Lifetime Mortgages
Equity Release Mortgage Under 55

Lloyds Bank Retirement Mortgages Broker


Pitfalls of Equity Release Plans

Home reversion schemes can reduce your estate value. A monthly payment lifetime mortgage may impact the ability to claim benefits. You may need to pay a solicitor’s fee and some products expose you to changes in interest rates.


Popular loan to value percentages of TSB retirement interest only mortgages over 75, Barclays mortgages over 65, Post Office pensioner mortgages over 60, Legal and General interest only mortgages for over 60s near London, Royal Bank of Scotland retirement interest only mortgages over 75 and Nationwide BS later life interest only mortgages over 60 are 50%, 60% and 70%.

UK Equity Release Providers

  • Key Retirement
  • Prudential
  • Lifetime Mortgage from L&G

The lender will want to know if the property is a Detached freehold house or a Leasehold flat with share of freehold and if the resident is a Private Tenant.

Some of the most common pensioner finance products include Lloyds Bank interest only mortgages for people over 60, Barclays retirement mortgages, NatWest interest only mortgages for over 60s, Legal and General retirement mortgages and Nationwide Building Society pensioner mortgages.