Release equity from your house
You don’t need to make regular monthly payments
Use the cash for anything you like
Free valuation
No fees
Still, have a few more mortgages payments to make? We can help with that
Continue to live in your own house

How much money can I borrow?

You can release 70% of your home’s valuation. For example, if your home is worth £220000 you can release £154000.

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Challenging to finance property titles include flats of less than 30 square metres in any location, properties with flying or creeping freehold which comprises 15% or less of the total floor area, properties without direct access to an adopted highway or which are accessed over an unmade road, properties where there is a self-contained part of the property or annexe, i.e. basement flat etc and properties that have a private water supply provided a contract is in place with an approved maintenance company for regular testing and maintenance.

https://www.nationwide.co.uk/

Its usual to discover individuals looking for lumpsum lifetime mortgages, lump sum life time mortgages or monthly payment equity release, however, Just Retirement like Aegon are keen to see proof of your personal situation in the form of bank statements.

Equity Release percentages of your current property value

50% home reversion schemes Zurich
30% loan to value (LTV) monthly payment lifetime mortgage Chorley Building Society
50% loan to value (LTV) home reversion plans Key Retirement
45% loan to value (LTV) monthly payment lifetime mortgage Blemain
25% loan to value lifetime mortgage with flexible drawdown cash release First Trust Bank

Aviva Flexible Voluntary Repayment Plan
More 2 Life Flexi Choice Voluntary Payment Super Lite
Bridgewater Equity Release Schemes
More to life Flexi Choice Voluntary Payment Super Lite
TSB Equity Release Plans
Aviva Lifestyle Flexible Option
L&G Legal & General Flexi Max Voluntary Repayment Plan
More to Life Tailored Choice Plan
Pure Retirement Classic Voluntary Payment Super Lite
Saga home reversion plan
Age Partnership Lifetime Mortgage
Hodge Lifetime Mortgage Plus
Lloyds Bank Equity Release Schemes
NatWest Lifetime Mortgage
More to life Flexi Choice Voluntary Payment Super Lite
More to Life Flexi Choice Drawdown Lite Plan
Pure Retirement Classic Voluntary Payment Super Lite
HSBC Equity Release
Royal Bank of Scotland Interest Only Lifetime Mortgage

Hodge Lifetime Mortgages

One Family Lifetime Mortgages

Canada Life

Crown Retirement Mortgages

Just Equity Release

Equity Release LTV Percentages

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

Equity Release Scheme Lenders

Lifetime Mortgage from L&G
Crown
Lifetime Mortgage from L&G
LV equity release

Retired business owners that may be interested in lifetime mortgages

Manufacture of other ceramic products n e c Brierfield
Raising of other cattle and buffaloes Bawtry
Agents involved in the sale of machinery, industrial equipment, ships and aircraft Ilkeston
Other retail sale in non-specialised stores Walsall
Manufacture of other non-distilled fermented beverages Bishops Stortford
Renting and leasing of other machinery, equipment and tangible goods n e c Brough
Retail sale of carpets, rugs, wall and floor coverings in specialised stores Todmorden
Other food services Havant
Other software publishing Sutton
Cold drawing of bars Thorpe St Andrew
Trade of electricity Wembley
Manufacture of non-electronic industrial process control equipment Fleet
Sawmilling and planing of wood Manningtree
Administration of financial markets Beaminster
Gathering of wild growing non-wood products West Tilbury
Other service activities n e c Rochford
Renting and leasing of passenger water transport equipment Arlesey
Manufacture of lime and plaster Rawtenstall

The lender will want to know if the property is a Freehold house or a Leasehold flat and if the resident is an Assured shorthold tenancy tenant.

Disadvantages of Equity Release Schemes

A monthly payment lifetime mortgage can reduce the inheritance for your family. Lifetime mortgage with flexible drawdown cash release may impact the ability to claim entitlements. You may need to pay a valuation fee and you could be exposed to changes in interest rates with some products.

Do Nationwide do Equity Release?

Yes, Nationwide Equity Release is 2.16% MER.

Difficult to mortgage home types can include timber framed properties built before 1920, properties with any externally applied insulation to the walls after construction, studio flats located within the M25, coach houses i.e. freehold properties with garages beneath and basement or lower ground floor flats without level access to private or communal garden space.

Do Nationwide do Pensioner Mortgages?

Yes, Nationwide Pensioner Mortgages are 2% MER.

Hard to finance property variants can include properties currently undergoing substantial alterations, extensions or repairs, properties where letting arrangement where the tenancy agreement is not appropriate, right to buy – properties in England, Wales and Northern Ireland, leasehold properties (with the exception of flats and maisonettes) and properties with leased solar panels.

Does Nationwide offer Retirement Mortgages?

Yes, Nationwide Retirement Mortgages are 2.08% MER.

Popular loan to values of Standard Chartered interest only mortgages for over 70s, Shepherds Friendly later life interest only mortgages over 60, Churchill lifetime mortgages for over 55s, Coventry Building Society interest only mortgages for over 65 year olds, Newcastle Building Society retirement mortgages over 60 and Cumberland Building Society later life interest only mortgages over 60 are 50%, 55% and 65%.

Some of the most common LTV ratios of LV= RIO mortgages over 75, More 2 Life interest only mortgages for over 60s, One Family lifetime mortgages for over 55s, YBS remortgages for people over 50 years old, Royal London over 60 lifetime mortgages and Sun Life interest only mortgages for over 60s near London are 35%, 55% and 65%.

Some of the most popular LTV percentages of TSB interest only mortgages for people over 70, Barclays Bank later life mortgages for over 70s, NatWest mortgages for people over 50, L&G pensioner mortgages over 70s, Bank of Scotland mortgages for over 50 year olds and Nationwide BS later life mortgages for over 70s are 45%, 55% and 65%.

Does Nationwide offer Equity Release Under 55?

Yes, Nationwide Equity Release Under 55 is 1.97% MER.

Areas in the UK where retirement mortgages are routine

Wolverton and Greenleys
Woodstock
Sandwich
Hayes
Dukinfield
Ilford
Lechlade
Winslow
Letchworth Garden City
St Blaise
Torquay
Blackwater and Hawley

Locations of our head offices

Nationwide Head Office address – Swindon
Nationwide Building Society
Nationwide House
Pipers Way
Swindon
SN38 1NW
GPS/Geographical Post Code Only: SN3 1TA

Nationwide Administration Centre address – Northampton
Nationwide Building Society
Kings Park Road
Moulton park
Northampton
NN3 6NW

Portman House Bournemouth Administration Centre
Richmond Hill
Bournemouth
BH2 6EP

Appealing pensioner finance products are TSB over 60 mortgages, HSBC mortgages for people over 50, Halifax interest only mortgages for people over 70, Legal and General retirement mortgages and Nationwide pensioner mortgages.

Do Nationwide do Lifetime Mortgages?

Yes, Nationwide do lifetime mortgages at 2.03% APRC. Nationwide Lifetime Mortgages have a loan to value (ltv) of 55%.

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