Sorting by


No credit check equity release – No lenders fees 2.86% APR rate for 2022


  • 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

  • Please enter a number from 3000 to 2000000000.
  • Please enter a number from 30000 to 100000000.
  • Leave blank if no mortgage outstanding
  • About You

Wandsworth Family Home
Money tied up in home
Homeowner in their 70s
Southfields House
Southfields House
South West London Home

  • Free No Obligation Quote

  • Please enter a number from 4000 to 20000000.
  • Leave blank if no mortgage outstanding
  • About You

  • By clicking Submit and ticking the box above you agree to be contacted by an FCA authorised advisor that you have read and agreed to our Terms & Conditions and our Privacy Policy.

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.

Canada Life Equity Release Calculator

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

Canada Life Equity Release Criteria

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%.

LV= lifetime mortgage

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%.

Legal & General - Flexible Blue

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%.

Just Retirement - Roll-Up Lifetime Mortgage

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.

LV= Lump Sum+ Lifetime Mortgage