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Legal & General Equity Release with Free Valuation

  • Legal & General Equity ReleaseRemove tax-free cash from your home
  • You don’t need to make regular monthly payments
  • Free valuation
  • Help your family get a deposit for their own home
  • Still, have some mortgage outstanding? No problems
  • Continue to live in your own property

How much cash can I get?

You can borrow 65% of your property’s valuation. As an 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 Reviews


Mr Williamson from Chiswick

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 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 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 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 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.


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.


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

  • By clicking Submit and ticking the box above you agree to be contacted by an FCA authorised advisor that you have read and agreed to our Terms & Conditions and our Privacy Policy.

Money tied up in house
Homeowner in their 60s
West London Home
Southfields House


How much is it common to release from a home

The older you are and the more illnesses you have you are, the more cash you can release.

Drawbacks of Home Reversion Schemes

Lifetime mortgage with flexible drawdown cash release can reduce the inheritance for your family. Home reversion plans may impact the ability to claim entitlements. You may need to pay a solicitor’s fee, and you could have higher rates to pay with some schemes.

Aviva lifetime mortgage

Common loan to values of Lloyds Bank mortgages for people 60 plus, HSBC later life borrowing schemes over 55, NatWest interest only lifetime mortgages for over 70s, Legal & General interest only mortgages for over 60s, RBS interest only lifetime mortgages for people over 60 and Nationwide interest only lifetime mortgages for over 70s are 50%, 55% and 70%.

Hodge Lifetime - Lump Sum Lifetime Mortgage

Common loan to values of Liverpool Victoria mortgages for pensioners over 60, More to Life mortgages for pensioners over 60, OneFamily mortgages for people 60 plus, YBS equity release schemes for over 55’s, Metro Bank equity release plans for people over 60 and Sun Life pensioner mortgages over 55 are 45%, 55% and 65%.

more 2 life joint lifetime mortgage

Some of the most popular loan to value percentage ratiosof Standard Chartered mortgages for over 60s, Zurich over 60 lifetime mortgages, Leeds Building Society interest only lifetime mortgages for over 60s, Skipton Building Society later life borrowing schemes over 55, Newcastle Building Society retirement mortgages over 70 and Cumberland Building Society retirement interest only mortgages over 75 are 40%, 55% and 70%.

LV= Flexible Lifetime Mortgage

Successful business owners who could benefit from equity release tax planning

  • Translation and interpretation activities Alford
  • Landscape service activities Cirencester
  • Manufacture of other electronic and electric wires and cables Grays
  • Renting and leasing of passenger water transport equipment Queenborough-in-Sheppey
  • Gathering of wild growing non-wood products Colne
  • Maintenance and repair of motor vehicles Tamworth
  • Retail sale of antiques including antique books in stores Sandhurst
  • Other credit granting n e c Hayes
  • Other accommodation Hartlepool
  • Satellite telecommunications activities Prudhoe
  • Sale of new cars and light motor vehicles Leigh
  • Cultural education Fazeley
  • Repair of consumer electronics Wednesbury
  • Plant propagation Chipping Sodbury
  • Manufacture of other carpets and rugs Barton-upon-Humber
  • Retail sale of musical instruments and scores Wooler
  • Manufacture of knitted and crocheted hosiery Market Deeping
  • Production of other food products n e c Louth

HSBC Lifetime Mortgage Advisers

Do Legal & General do Equity Release?

Yes, Legal & General Equity Release is 2.01% APRC.

Difficult to finance property variants include properties currently undergoing substantial alterations, extensions or repairs, age restricted properties, leasehold properties (England, Wales, Northern Ireland) subject to a lease length of 160 years, leasehold properties (with the exception of flats and maisonettes) and properties with single skin brickwork.


What percentage can be released?

  • 60% monthly payment lifetime mortgage Old Mutual Wealth
  • 40% loan to value (LTV) monthly payment lifetime mortgage Shawbrook
  • 30% loan to value (LTV) lifetime mortgage with flexible drawdown cash release Kent Reliance
  • 50% LTV home reversion plans Aviva
  • 50% LTV lumpsum lifetime mortgages Together Money

HSBC Lifetime Mortgage Comparison

Difficult to mortgage property variants include timber framed properties built before 1920, properties with spray foam insulation applied to the underside of the roof, privately developed flats, maximum four storeys with a lift, privately developed flats in blocks of two storeys without a lift and flats above or adjacent to commercial premises.

Do Legal & General do Pensioner Mortgages?

Yes, Legal & General Pensioner Mortgages are 2.16% APR.

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 an Owner Occupier.

It is very regular to encounter individuals looking for lump sum lifetime mortgages, lump sum lifetime mortgages or home reversion schemes, however, Just Retirement like VitalityLife Equity Release are keen to see proof of your personal situation in the form of investment statements.

Hodge Lifetime Retirement Mortgages

Tough to mortgage home variants can include properties built or converted into dwellings more than 10 years ago, properties with a single annexe or other self-contained part of the property, properties with a small number of solar panels or a wind turbine on the land for domestic use, properties using rooms, land or outbuildings for business purposes which are not personal to the borrower(s) or which extend to more than 50% of the property to be secured and properties that have a private water supply provided a contract is in place with an approved maintenance company for regular testing and maintenance.

Legal and General Retirement Mortgages

Do Legal & General do Retirement Mortgages?

Yes, Legal & General Retirement Mortgages are 1.97% MER.


Areas in the UK where retirement mortgages are routine

  • Queenborough-in-Sheppey
  • Henley-in-Arden
  • Lytham St Annes
  • Oakengates
  • Leatherhead
  • Shefford
  • Thornbury
  • Huddersfield
  • Holsworthy
  • Lydd
  • Kenilworth
  • Newton Abbot
  • Rowley Regis
  • Ventnor


Do Legal & General do Equity Release Under 55?

Yes, Legal & General Equity Release Under 55 is 2.15% APR.

Challenging to finance property titles can include properties built on contaminated land, properties with any kind of structural defect, damp, dry or wet rot, property is uninhabitable, corrugated iron construction and Reema Hollow panel, Schindler and Hawksley SGS, Stent, Stonecrete, Stour, Tarran, Underdown, Unity and Butterley, Waller, Wates, Wessex, Winget and Woolaway.

  • TSB Equity Release Plans
  • NatWest Equity Release
  • More to Life Capital Choice Plan
  • Bridgewater Equity Release Schemes
  • Just Retirement Drawdown Lifetime Mortgage
  • More to Life Flexi Choice Drawdown Lite Plan
  • Stonehaven Equity Release Plan
  • HSBC Interest Only Lifetime Mortgage
  • TSB Lifetime Interest Only Mortgage
  • Canada Life Voluntary Select Gold
  • Hodge Lifetime Mortgage Plus
  • Nationwide Interest Only Lifetime Mortgage
  • More to Life Capital Choice Plan
  • TSB Equity Release
  • Age Partnership Interest Only Lifetime Mortgage
  • Just retirement defined benefit
  • Nationwide Equity Release
  • Lloyds Bank Equity Release Plans


Equity Release Scheme Providers

  • Bower
  • Stonehaven
  • Lifetime Mortgage from L&G
  • Norwich Union
  • Royal London Equity Release


Does Legal & General offer Lifetime Mortgages?

Yes, Legal & General do lifetime mortgages at 2% MER. Legal & General Lifetime Mortgages have a loan to value of 60%.

Many of the most appealing retirement mortgage products include TSB remortgages for people over 50 years old, Barclays over 60 lifetime mortgages, NatWest retirement mortgages, L&G over 60 lifetime mortgages and Nationwide Building Society later life interest only mortgages.