Remove money from your home
No need to make regular monthly payments
Use the cash for anything you like
Stay living in your own property 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.
Type of Finance*
- Equity Release
- Lifetime Mortgage
- Retirement Interest Only Mortgage
- Retirement Mortgage
- Conventional Payment Mortgage

About You
Name*
First Last
First Line Of Your Address:*
Your Postcode:*
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Date of Birth*
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Phone Number*

Recently completed mortgage, equity release and lifetime mortgage cases

Sophie G from Aberdeen

The financial advisor I’ve had for 25 years said I could save inheritance tax by getting £350,000 of equity release. The money was lent at a very low-interest rate close to 2% and competitive with normal mortgages you would get by proving income. I have saved a lot of tax.

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.

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 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 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.

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.

It’s very regular to find people searching for home reversion plans, monthly payment lifetime mortgage or interest-only lifetime mortgages, however, Aviva like VitalityLife Equity Release are keen to see paperwork to show your personal situation in the form of pension statements.

Canada Life Landlord Voluntary Select Plan
Just Retirement Drawdown Lifetime Mortgage
Stonehaven Equity Release
Lloyds Bank Equity Release Plans
Royal Bank of Scotland Equity Release Plans
More2Life Tailored Choice Plan
Hodge Lifetime Flexible Drawdown Plan
Stonehaven Interest Select Plan
Aviva Equity Release Schemes
Nationwide Equity Release Schemes
Royal Bank of Scotland Equity Release Plans
Hodge Equity Release Plans
Stonehaven Interest Only Lifetime Mortgage
HSBC Equity Release Plans

Towns where Lifetime Mortgages are routine

Ponteland
Stalbridge
Crowland
Colburn
Great Torrington
Chorley
Amesbury
Tidworth
Bourne
Wednesbury
Ashington
Heanor and Loscoe
Sandiacre

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 Assured shorthold tenancy tenant.

Equity Release percentages of your current property value

60% lumpsum lifetime mortgages Old Mutual Wealth
55% loan to value interest-only lifetime mortgages Key Retirement
45% loan to value (LTV) home reversion plans Stonehaven
45% loan to value lifetime mortgage with flexible drawdown cash release Vida
35% loan to value lump sum lifetime mortgages Foundation Home Loans

Lenders for UK Equity Release

Sunlife Plans
Prudential
More2Life
Aegon

More2Life Retirement Mortgages

One Family Retirement Mortgages

Pure Retirement Retirement Mortgages

Canada Life Mortgages

Disadvantages of Equity Release Schemes

Monthly payment equity release can reduce the value of your estate. Monthly payment equity release 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.

Equity Release Loan To Value

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

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Operation of historical sites and buildings and similar visitor attractions Amble
Risk and damage evaluation Newport
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Retail sale of audio and video equipment in specialised stores Southend-on-Sea
Packaging activities Cannock
Manufacture of central heating radiators and boilers Northfleet

Equity Release calculator Spain

Lifetime Mortgage calculator Spain

Residential mortgage no proof of income Spain

European Non-Status mortgage lender

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