Natwest retirement mortgage options for 2021 – 1.95% APR



  • Remove tax-free cash from your house
  • No need to make regular monthly payments
  • Use the money for anything you like
  • Stay living in your own house for as long as you like
  • Your Requirements

  • Please enter a number from 4000 to 200000000.
  • Please enter a number from 50000 to 10000000.
  • Please enter a number from 50000 to 10000000.

Over 55 Home owner

Homeowner in their 70s
Old money home
Access home equity

  • Your Requirements

  • Please enter a number from 4000 to 200000000.
  • Please enter a number from 50000 to 10000000.
  • Please enter a number from 50000 to 10000000.

  • Your Requirements

  • Please enter a number from 4000 to 20000000.
  • About You

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Nationwide Lifetime Mortgage Home Reversion Plan

Legal & General - Flexible Pink


Canada Life Home Finance lifetime mortgage for properties in Scotland


Areas in the UK where retirement mortgages are routine

  • Cromer
  • Withernsea
  • Steyning
  • Willesden
  • Bottesford
  • Stotfold
  • Penwortham
  • Stroud
  • Grimsby
  • Coleshill
  • Pudsey
  • Southend-on-Sea
  • Barking

Nationwide Lifetime Mortgage Maximum Ltv

  • More 2 Life Tailored Choice Plan
  • Canada Life Lifestyle Gold Flexi
  • Stonehaven Interest Select Plan
  • Saga Equity Release Schemes
  • Natwest retirement mortgage plans
  • Bridgewater Equity Release Plans
  • Hodge Equity Release Schemes
  • L&G Legal & General Flexible Max Scheme
  • Stonehaven Equity Release
  • Just retirement defined benefit
  • TSB Lifetime Mortgage
  • NatWest Equity Release

It is usual to find people searching for lifetime mortgage with flexible drawdown cash release, lumpsum lifetime mortgages or monthly payment equity release. However, Just Retirement like Old Mutual Wealth is keen to see paperwork to show your situation in the form of bank statements.

Aviva lifetime mortgage with cashback

Equity Release Loan To Value

The more elderly you are and the unhealthier you are, the more tax-free cash you can release.

Pitfalls of Interest Only Lifetime Mortgages

Lumpsum lifetime mortgages can reduce the inheritance for your family. Interest-only lifetime mortgages may impact the ability to claim benefits. You may need to pay a valuation fee and some products expose you to changes in interest rates.


The 1st and 2nd charge lender will want to know if the property is a Detached freehold house or a Leasehold house and if the resident is an Owner Occupier Primary Residence.

What percentage can be released?

  • 60% home reversion plans Legal & General
  • 60% loan to value (LTV) interest-only lifetime mortgages Age Partnership
  • 40% loan to value interest-only lifetime mortgages Blemain
  • 30% LTV lumpsum lifetime mortgages Together
  • 60% LTV lumpsum lifetime mortgages Legal and General
  • 45% loan to value lumpsum lifetime mortgages Santander
  • 25% LTV lumpsum lifetime mortgages United Trust Bank

Legal & General Home Finance lifetime mortgage

Small business owners detail likely with equity to release from their homes

  • Retail sale of automotive fuel in specialised stores Southwick
  • Manufacture of musical instruments Hounslow
  • Production of assembled parquet floors Eccleshall
  • Combined facilities support activities Bude-Stratton
  • Repair of other equipment Brentford
  • Hotels and similar accommodation Crook
  • Manufacture of imitation jewellery and related articles Dunwich
  • Manufacture of corrugated paper and paperboard, sacks and bags Kempston
  • Construction of other civil engineering projects n e c Dalton Town with Newton
  • Management of real estate on a fee or contract basis Kingston-upon-Thames
  • Wholesale of sugar and chocolate and sugar confectionery Blyth
  • Renting and leasing of media entertainment equipment Highworth
  • Other accommodation Lewes
  • Cold drawing of bars Bognor Regis
  • General cleaning of buildings Barnoldswick
  • Retail sale of books in specialised stores Stevenage
  • Manufacture of gas Blandford Forum
  • Construction of bridges and tunnels Poole


UK Equity Release Lenders

  • Key Retirement
  • Crown
  • Bower
  • AA equity release

Legal and General Drawdown Lifetime Mortgages

More2Life Mortgages

One Family Equity Release

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If you are not satisfied with any NatWest product or service, we have a complaint handling procedure that you can use to resolve such matters. NatWest is covered by The Financial Ombudsman Service. If you are still not satisfied after following the NatWest procedures, you can ask the Ombudsman to review the complaint. You can find out more about The Financial Ombudsman Service in a leaflet available from any branch or by telephoning NatWest. Alternatively, you can write to Financial Ombudsman Service, Exchange Tower, London, E14 9SR or telephone 020 7964 1000.