UK homeowner no credit check equity release

Remove tax-free equity from your property with No credit check equity release
5.02% APR fixed for life
An identity check only – no credit checks carried out
It is not necessary to make regular monthly payments
Use the money for home improvements
Continue to stay in your home for as long as you like

How much cash can I get?

You can release 65% of your home’s value. For example, if your home is valued at £310,000, you can release £201,500.

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Equity Release Lenders

Legal and General
Pure Retirement
the Telegraph

More 2 Life Capital Choice Plus Plan
Bridgewater no credit check Equity Release Schemes
Pure Retirement Equity Release Plans
Nationwide Equity Release Schemes
Lloyds Bank Equity Release Plans
Just Retirement Equity Release Schemes
Liverpool Victoria LV Equity Release Schemes
Pure Retirement Classic Voluntary Payment Super Lite
NatWest Equity Release Plans
Royal Bank of Scotland Equity Release
Hodge Lifetime Flexible Voluntary Repayment Plan
Nationwide Equity Release Schemes
More to Life Tailored Choice Plan
NatWest Equity Release
Saga home reversion plan
Canada Life Equity Release Schemes
Pure Retirement Equity Release
Stonehaven Interest Select Plan
Nationwide No credit check Equity Release
More 2 Life Capital Choice Plus Plan

Drawbacks of Home Reversion Plans

A monthly payment equity release mortgage without credit score can reduce your family’s inheritance. Lump-sum lifetime mortgages may affect entitlement to benefits. You may need to pay a solicitor’s fee, and you could have higher rates to pay with some schemes.

Challenging to finance property variants can include rent charges with a high estate rentcharge, properties without a kitchen or bathroom, derelict property or where part of the building is in severe disrepair and needs demolishing, asbestos construction and concrete panel houses.

Cheshire Building Society Equity Release Pensioner Mortgage

Areas where Lifetime Mortgages are routine where people cant afford a no credit score mortgage

Dunwich
Pudsey
Southminster
Fordwich
Seaton
Malvern
Chorley
Biddulph
Bromsgrove
March
Easingwold
Faversham
Great Torrington
Kirkby Stephen
New Romney
Ambleside
Brightlingsea

Challenging to mortgage property titles include flats of less than 30 square metres in any location, properties with grounds over five acres, properties with a small number of solar panels or a wind turbine on the land for domestic use, properties that have solar farms or a large number of wind turbines on the land 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.

Cheshire Building Society Equity Release House

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

One Family Drawdown Lifetime Mortgages

Crown Lifetime Mortgages

It is common to encounter people seeking out home reversion schemes, lump sum lifetime mortgages, or monthly payment equity releases. However, Key Retirement, like LV Liverpool Victoria, is keen to see paperwork showing your circumstances in the form of investment statements.

Hard-to-finance property types include Timber-framed properties constructed post-1965, properties with any externally applied insulation to the walls after construction, large concrete panel systems, studio flats outside the M25 and flats above or adjacent to commercial premises.

Successful business owners who could benefit from Home Reversion Scheme estate planning

Renting and leasing of cars and light motor vehicles Newbiggin-by-the-Sea
Manufacture of ovens, furnaces and furnace burners Torquay
Wholesale of machine tools Dinnington St Johns
Quarrying of ornamental and building stone, limestone, gypsum, chalk and slate Bacup
Manufacture of fibre optic cables Weston-super-Mare
Printing n e c Alton
Solicitors Aylsham
Retail sale of meat and meat products in specialised stores in Spennymoor
Manufacture of other knitted and crocheted apparel Harworth and Bircotes
Renting and leasing of media entertainment equipment Carshalton
Shaping and processing of flat glass Wendover
Wholesale of computers, computer peripheral equipment and software Greater Willington
Activities of production holding companies Chorleywood
Other publishing activities Fazeley
Wholesale of watches and jewellery Redcar
Manufacture of bricks, tiles and construction products, in baked clay Bromyard
Activities of agricultural holding companies Fordbridge
Landscape service activities Wimborne Minster

Hard-to-mortgage home types include homes requiring essential repairs. In these properties, letting arrangement where the tenancy agreement is not appropriate, leasehold properties (England, Wales, Northern Ireland) subject to a lease length of 160 years, properties with unregistered titles subject to these being registered as part of the legal process and properties with single skin brickwork.

No credit search Equity Release LTV

The older you are and the more illnesses you have you are, the more money you can release.

Equity Release LTV Percentages

60% monthly payment lifetime mortgage Fortify Insurance Solutions
55% loan to value monthly payment lifetime mortgage Sunlife Plans
35% loan to value lump sum lifetime mortgages LV lifetime mortgage
30% loan to value home reversion plans Monmouthshire
55% loan to value (LTV) home reversion plans Lifetime Mortgage from L&G
45% LTV home reversion schemes Crown
25% loan to value home reversion schemes Central Trust

Popular loan-to-value ratios of Standard Chartered mortgages for people 60 plus, Shepherds Friendly mortgages for over 60s, Sainsbury’s retirement mortgages over 65, Principality Building Society mortgages for over 60s, Nottingham Building Society mortgages for 60-year-olds and Progressive Building Society later life interest only mortgages over 75 are 35%, 55% and 65%.

Some of the most common loan to values of Liverpool Victoria are mortgages for pensioners over 60, More 2 Life retirement mortgages over 70, One Family mortgages for people over 50, YBS mortgages for pensioners over 60, Metro Bank remortgages for people over 50 years old and Sun Life pensioner mortgages over 60 are 50%, 55% and 70%.

Popular loan-to-value percentage ratios of Lloyds Bank pensioner mortgages over 55, mortgages for pensioners over 60, NatWest later life interest-only mortgages over 70, Legal & General retirement mortgages over 60, RBS interest only retirement mortgages for over the 70s and Nationwide Building Society RIO mortgages over 75 are 40%, 55% and 70%.

Many of the most appealing pensioner finance products include Lloyds over-60 lifetime mortgages, Barclays Bank interest-only lifetime mortgages, NatWest mortgages for over 70s, L&G over-60 mortgages, and Nationwide mortgages for 60 plus.

No credit check retirement mortgages

New for February 2025: There are now 2 lenders for no-credit-check retirement mortgages. The interest rates are slightly higher than those of the mainstream lenders.