Remove tax-free cash from your property
Not necessary to make regular monthly payments if you don’t want to
Help your family to buy a home
Continue to stay in your home for as long as you like

How much can I release?

You can release 70% of your property’s valuation. As an example, if your house is worth £320000 you can release £224000.

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Challenging to finance home titles can include rentcharges properties with a high estate rentcharge, leasehold properties with a short lease, typically less than 70 years, or a defective lease, properties where there are boundary disputes or where planning applications have not been applied for correctly, asbestos construction and missing planning permission or building regulations approval.

Equity Release Loan To Value

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

Providers for Equity Release

More to life
New Life
Just Retirement
Santander
Fortify Insurance Solutions

Tough to finance property titles 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 with grounds in excess of five acres, properties with a small number of solar panels or a wind turbine on the land for domestic use, properties with flying or creeping freeholds which comprise over 15% of the total floor area and properties which have been built on a previously contaminated land are acceptable provided the result of an environmental search determines the land to be clear of contamination.

It is usual to discover individuals searching for interest-only lifetime mortgages, monthly payment lifetime mortgage or home reversion schemes, however, Key Retirement like Legal & General are keen to see paperwork to show your situation in the form of bank statements.

Aviva Lifetime Mortgages

Do Nationwide have excellent reviews for equity release?

Yes, Nationwide reviews are commendable for equity release.

More to life Drawdown Lifetime Mortgages

Hard to mortgage home variants include difficult roof structures, properties with pre 1945 asbestos or similar composition roof tiles, steel frame/clad properties built before 1990, privately developed flats in blocks of two storeys without a lift and properties where the flat is accessed via a deck or balcony.

LV Mortgages

The 1st and 2nd charge lender will want to know if the property is a Freehold house or a Leasehold house, and if the resident is an AST Tenant.

What are the current Nationwide interest rates for equity release?

Nationwide interest rates for equity release are 2.21% APRC.

Difficult to finance property types include homes requiring essential repairs, entirely tenanted properties, leasehold properties (England, Wales, Northern Ireland) subject to a lease length of 160 years, commonhold properties and freehold flats (England, Wales, Northern Ireland).

Liverpool Victoria LV Equity Release Schemes
More to life Capital Choice Plan
Just Retirement Equity Release Plans
Pure Retirement Classic Voluntary Payment Super Lite
HSBC Equity Release Schemes
Royal Bank of Scotland Equity Release
Aviva Lifetime Mortgages for Pensioners
Nationwide Equity Release Schemes
More to Life Flexi Choice Drawdown Lite Plan
Royal Bank of Scotland Interest Only Lifetime Mortgage
Canada Life Lifestyle Lite Flexi
Hodge Lifetime Mortgage Plus
L&G Legal & General Flexible Plus Lifetime Mortgage
Pure Retirement Equity Release Plans
Royal Bank of Scotland Equity Release Schemes
More 2 Life Tailored Choice Plan

Does Nationwide offer Equity Release?

Yes, Nationwide Equity Release is 2.2% MER.

Popular LTV percentagesof Virgin Money over 60 mortgages, Zurich later life mortgages for over 70s, Churchill mortgages for pensioners over 60, Coventry Building Society mortgages for 60 year olds, West Bromwich Building Society mortgages for 60 plus and Progressive Building Society mortgages for over 65 are 35%, 60% and 65%.

Does Nationwide offer Pensioner Mortgages?

Yes, Nationwide Pensioner Mortgages are 2.17% APR.

Equity Release LTV

55% home reversion schemes Legal & General
25% loan to value (LTV) lump sum lifetime mortgages Spring Finance
40% LTV interest-only lifetime mortgages Crown
40% LTV interest-only lifetime mortgages West One

Drawbacks of Home Reversion Schemes

Lump sum lifetime mortgages can reduce the inheritance for your family. Home reversion plans may impact entitlements to benefits. You may need to pay an advisor’s fee and some products expose you to changes in interest rates.

Some of the most common loan to value ratios of LVE over 60 mortgages, More 2 Life lifetime mortgages for over 60s, One Family over 60 lifetime mortgages, Yorkshire Building Society retirement mortgages over 60, Metro Bank mortgages over 65 and Axa interest only mortgages for over 60s are 40%, 60% and 70%.

Does Nationwide offer Retirement Mortgages?

Yes, Nationwide Retirement Mortgages are 2.05% APR.

Business owners details likely with equity to release

Production of meat and poultry meat products Beverley
Repair of electronic and optical equipment Witham
Manufacture of ceramic sanitary fixtures Colchester
Furnace and chimney cleaning services Chesterfield
Retail sale of clothing in specialised stores Shefford
Human resources provision and management of human resources functions Kings Lynn
Manufacture of photographic and cinematographic equipment Amble
Construction of water projects Bottesford
Wholesale of mining, construction and civil engineering machinery Chilton
General medical practice activities Arundel
Development of utility projects for fluids Market Harborough
Other software publishing Shaftesbury
Sewerage Bodmin
Retail sale by opticians Thatcham
Defence activities Holsworthy
Wholesale of wine, beer, spirits and other alcoholic beverages Leek
Manufacture of wiring devices Queenborough-in-Sheppey
Manufacture of other products of wood; manufacture of articles of cork, straw and plaiting materials Ashford

Popular loan to value percentage ratios of TSB interest only lifetime mortgages for over 60s, Barclays Bank retirement mortgages over 60, Post Office retirement interest only mortgages over 75, L&G equity release plans for people over 60, Royal Bank of Scotland mortgages for 60 year olds and Nationwide BS interest only mortgages for over 65 year olds are 45%, 60% and 70%.

Do Nationwide do Equity Release Under 55?

Yes, Nationwide Equity Release Under 55 is 2.02% APR.

Towns of the UK where equity release is popular

Mossley
Filey
Barnsley
Stalham
Hoddesdon
Weymouth
Saffron Walden
Bromborough
Poynton-with-Worth
South Elmsall
Patchway
Bampton
Bishops Stortford
St Blaise
Chagford

Some of the most common retirement loan offerings include Lloyds Bank mortgages for people over 50, Barclays mortgages for pensioners, Post Office interest only mortgages for over 70s, Legal and General lifetime mortgages and Nationwide retirement interest only mortgages.

Does Nationwide offer Lifetime Mortgages?

Yes, Nationwide does lifetime mortgages at 1.91% APRC. Nationwide Lifetime Mortgages have a loan to value of 65%.

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