Remove tax-free equity from your property
2.86% APR fixed for life
An identity check only – no credit checks carried out
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 achieve 65% of your home’s value. As an example, if your home is valued at £310000 you can release £201500.

Free No Obligation Quote
How Much Would You Like Borrow/Release?*
Please enter a number from 3000 to 2000000000.
Value of your property*
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Approximate outstanding mortgage you have on your property (if applicable)
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About You
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Free No Obligation Quote
How Much Money Would You To Like Raise?*
Please enter a number from 4000 to 20000000.
Estimated Value Of Your Property?*
Approximate outstanding mortgage you have on your property (if applicable)
Leave blank if no mortgage outstanding
About You
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Equity Release Lenders

Legal and General
Pure Retirement
the Telegraph

More 2 Life Capital Choice Plus Plan
Bridgewater 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 Equity Release
More 2 Life Capital Choice Plus Plan

Drawbacks of Home Reversion Plans

Monthly payment equity release can reduce the inheritance for your family. Lump sum lifetime mortgages may impact entitlements 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 rentcharges properties 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.

Areas where Lifetime Mortgages are routine

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 in excess of 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, sub stations, sewage works, quarries, fuel stations, refuse sites, sports grounds, noise, light or environmental pollution.

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 Primary Residence.

One Family Drawdown Lifetime Mortgages

Crown Lifetime Mortgages

Its common to encounter people seeking out home reversion schemes, lump sum life time mortgages or monthly payment equity release, however, Key Retirement like LV Liverpool Victoria are keen to see paperwork to show 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 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, properties where 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.

Equity Release LTV

The older you are and the 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, Sainsburys 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 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, HSBC 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 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.

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