5.22% LV Equity Release for UK property – Free Valuation in 2026

• Release tax-free cash from your house with LV Equity Release
• No need to make monthly payments
• Free valuation in 2026
• Buy a home for a family member without a mortgage
• Are you still paying a mortgage? No problems
• Continue to stay in your house.
• 5.22%

How much money can I release?

You can release 70% of your home’s valuation. For example, if your house is valued at £210,000, you can get £147,000.

Concise Finance Customer Reviews

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 regular mortgages you would get by providing income. I have saved a lot of tax.

William from London

My lawyer told me my inheritance tax bill would be around £250,000. I got a lifetime mortgage to give my son and daughter money to buy bigger homes, and we bought a house in the south of France for us all to use as a holiday home.

Mrs E from London

My mortgage needed to be repaid to the existing lender. I thought I was going to lose my house. Thanks to Concise I got equity release to pay off my mortgage.

Mrs Shaw from Lancaster

I had an interest-only mortgage with Birmingham Midshires. The mortgage had reached 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 Smith from Kendal

My financial advisor told me I should get an equity release and gift money to my five children now, as it would save a massive amount of inheritance tax.

Mrs M from Birmingham

With no broker fees and no lender fees, I got an interest-only retirement mortgage that I pay monthly from my private pension. The money released went to my daughter for her wedding and a deposit for her next house. She wanted a family, and her flat was too small.

Mr G from Kent

I took out an interest-only lifetime mortgage and gave my sons £100,000 each to put down as a deposit on a home. My money made it possible for them to get an excellent mortgage deal, especially for one of their poorly paid sons.

David P

With my power of attorney, I got an 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 power of attorney, I arranged an equity release on my mother’s house to pay for specialist modifications to improve her comfort.

The lender, LV Equity Release, 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.

Areas of the UK where LV Equity Release is common

• Buntingford
• Holt
• Bideford
• Thrapston
• Rowley Regis
• Padstow
• Gosport
• Longtown
• Mildenhall
• Wallingford
• New Milton
• Caistor
• Westerham
• West Bedlington
• Billingham
• Guildford
• Bicester
• Oakham
• Banbury

• Natwest Lifetime Mortgage Drawdown Scheme
• Natwest Equity Release Loan
• BISF Equity Release Loan

• Best Mortgages For Over 50s Retirement Mortgage UK
• Tipton & Coseley Mortgage Home Reversion Plan
• Nationwide Equity Release Scheme

• Natwest Retirement Mortgage Loan
• YBS Lifetime Mortgage Over 55
• Nationwide Retirement Mortgage Providers

• Age Partnership
• Equity Release in the home under 50
• Barclays Retirement Interest Only Mortgage On Second Property

• Nationwide mortgages for over 60s Retirement Mortgages Broker
• Halifax Equity Release Retirement
• Bad Credit Mortgage Reviews

• Yorkshire Bank Equity Release Plan
• Nationwide Lifetime Mortgage Over 55

Equity Release UK Providers similar to LV Equity Release

• the Telegraph
• Step Change
• Key Retirement

Tough-to-finance property variants include properties that will be assessed for flood risk, properties without a kitchen or bathroom, properties where there are boundary disputes or where planning applications have not been applied for correctly, cob property and Reema Hollow panel, Schindler and Hawksley SGS, Stent, Stonecrete, Stour, Tarran, Underdown, Unity and Butterley, Waller, Wates, Wessex, Winget and Woolaway.

Tough-to-mortgage property variants can include flats of less than 30 square metres in any location, properties with a large number/scale of outbuildings, properties with a small number of solar panels or a wind turbine on the land for domestic use, properties where there is a self-contained part of the property or annexe, i.e. basement flat etc and properties adversely affected by existing or proposed issues including roads, rail, airports, power plants, power lines/pylons, wind turbines, substations, sewage works, quarries, fuel stations, refuse sites, sports grounds, noise, light or environmental pollution.

LV Mortgages over 70 – Are LV equity release reviews good?

Difficult-to-finance home types can include properties with post-1945 asbestos or similar composition roof tiles, timber framed properties built between 1920 and 1965, properties constructed or converted within the past 10 years, privately developed flats in blocks of five storeys or more and freehold flats (England, Wales, Northern Ireland).

Difficult-to-finance property types can include properties in poor condition, properties with a letting arrangement where the tenancy agreement is not appropriate, right–to–buy properties in England, Wales, and Northern Ireland, commonhold properties, and properties with leased solar panels.

Does LV offer Equity Release?

Yes, LV Equity Release is 5.91% MER.

Common LTV ratios of Aviva later life mortgages for over 60s, Direct Line lifetime mortgages for people over 55, Churchill over 60 mortgages, Principality Building Society pensioner mortgages over 70, Newcastle Building Society mortgages for 60-year-olds, and Cumberland Building Society mortgages for people over 50 are 50%, 55% and 70%.

Popular loan-to-value percentage ratios of Liverpool Victoria interest-only lifetime mortgages for over 70s, More to Life mortgages for people over 50, One Family interest-only lifetime mortgages for over 70s, Yorkshire Building Society over 60 lifetime mortgages, Metro Bank later life mortgages for over 70s and Sun Life interest-only mortgages for over 60s near London are 40%, 55% and 65%.

Downsides of Home Reversion Schemes VS Equity Release LV

A monthly payment lifetime mortgage can reduce your family’s inheritance. Lump-sum lifetime mortgages may impact entitlements to benefits. You may need to pay a broker’s fee, and some products may expose you to interest rate fluctuations.

It’s common to find individuals seeking a lifetime mortgage with flexible drawdown cash release, a monthly payment lifetime mortgage, or a home reversion scheme. However, Legal and General, like AIG Life, are keen to see proof of your personal situation through pension statements.

Does LV offer Pensioner Mortgages?

Yes, LV Pensioner Mortgages are 4.24% MER.

• Bridgewater Equity Release via a lv equity release adviser
• Canada Life Equity Release
• LV Equity Release plans
• Liverpool Victoria LV= Flexible Lifetime Mortgage
• More to life Flexi Choice Voluntary Payment Super Lite
• Pure Retirement Lifetime Mortgage
• NatWest Equity Release Plans
• Aviva Lifetime Mortgages
• Liverpool Victoria LV Equity Release Schemes
• Pure Retirement Drawdown Plan
• TSB Lifetime Interest-Only Mortgage
• NatWest Equity Release Plans
• More to Life Capital Choice Plus Plan
• Bridgewater Equity Release Schemes
• Just Retirement Equity Release Plans
• Nationwide Equity Release Schemes
• LV Equity Release schemes
• More to Life Tailored Choice Plan
• NatWest Equity Release
• Age Partnership Equity Release Plans
• Bridgewater Equity Release Plans
• L&G Legal & General Flexible Max Scheme
• More to life Flexi Choice Voluntary Payment Super Lite
• Equity Release Schemes

Canada Life Retirement Mortgages

Does LV offer Retirement Mortgages?

Yes, LV Retirement Mortgages are 2.01% APR.

More to life Drawdown Lifetime Mortgages

Equity Release Loan To Value similar to LV Equity Release

• 50% interest-only lifetime mortgages The Exeter Equity Release
• 45% LTV monthly payment lifetime mortgage LV lifetime mortgage
• 30% loan-to-value (LTV) home reversion plans Evolution Money
• 40% loan-to-value home reversion schemes 1st Stop Home Loans
• 60% LTV monthly payment lifetime mortgage Just Retirement
• 30% loan-to-value interest-only lifetime mortgages Central Trust
• 50% loan-to-value interest-only lifetime mortgages Norton Finance
• 25% LTV monthly payment equity release Tesco Bank

Does LV do Equity Release Under 55 through an LV equity release adviser?

Yes, LV Equity Release Under 55 is 4.25% APRC.

Some of the most common loan-to-value percentage ratios of Lloyds later life interest-only mortgages over 75, Barclays Bank mortgages over 70s, Post Office later life mortgages for over 60s, L&G later life interest-only mortgages over 70, RBS interest only mortgages for over 60s near London and Nationwide Building Society later life mortgages for over 60s are 50%, 60% and 70%.

How much is it common to release from a home with LV Equity Release

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

Successful business owners who could benefit from the Home Reversion Scheme tax planning

• Manufacture of plastics and rubber machinery Penkridge
• Manufacture of woven or tufted carpets and rugs Southam
• Manufacture of hollow glass Maidenhead
• Manufacture of bicycles and invalid carriages Bishops Stortford

Some popular pensioner loan products include Lloyds Bank mortgages for pensioners, Barclays retirement mortgages, Halifax interest-only mortgages for people over 70, L&G pensioner mortgages and Nationwide lifetime mortgages.

Does LV offer Lifetime Mortgages?

Yes, LV does lifetime mortgages at 5.13% APRC. LV Lifetime Mortgages can have a loan-to-value (ltv) of 75%.