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Equity Release Northern Ireland in 2022 plus other UK Islands

equity release Northern Ireland

  • Remove tax-free money from your property with a Northern Ireland Equity Release Plan
  • Not necessary to make regular monthly payments unless you prefer interest only payments
  • Use Equity Release Northern Ireland for a motorhome or new car
  • Are you still paying a mortgage? We can help with that
  • Stay living in your own home for as long as you like

Take advantage of the stability of the property market in Northern Ireland

Our lenders for Equity Release Northern Ireland:

  • Lender 1 2.39% Variable tracker rate
  • Lender 2 3.05% Fixed rate
  • Lender 3 2.49% variable capped at 3.2%

How much cash can I borrow?

You can release 70% of your property’s valuation. For example, if your home is valued at £350,000 you can release £245,000.

To find out more, with no hidden fees or charges please complete the form below:

  • Free No Obligation Quote

  • Please enter a number from 10000 to 2000000000.
  • Please enter a number from 50000 to 10000000.
  • Leave blank if no mortgage outstanding
  • About You

Home equity Tied Up
Cash tied up in home
Homeowner in their 60s

  • Your Requirements

  • Please enter a number from 3000 to 200000000.
  • 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.

northern ireland equity release

NI Equity Release
Lifetime Mortgages in Northern Ireland
Homeowner in their 70s

Northern Ireland Equity Release percentages of your current property value

  • 50% home reversion plans Maximum cover Equity Release
  • 40% LTV lifetime mortgage with flexible drawdown cash release Prudential
  • 25% LTV lifetime mortgage with flexible drawdown cash release Virgin Money PLC

Towns of the UK where Equity Release Northern Ireland is popular

  • Chickerell
  • Amble
  • Polegate
  • Stonehouse
  • Farnham
  • Royston
  • Brentford
  • Richmond
  • Silloth
  • Henley-in-Arden
  • North Walsham
  • Eccleshall
  • Haywards Heath
  • Stevenage
  • Reading
  • Daventry

Equity Release Northern Ireland Lenders

  • Hodge Lifetime Mortgage Flexible Drawdown Plan
  • Liverpool Victoria LV= Lump Sum Plus Lifetime Mortgage
  • Pure Retirement Classic Drawdown Lite Plan
  • Lloyds Bank Lifetime Mortgage
  • TSB Lifetime Interest Only Mortgage
  • More to Life Flexi Choice Drawdown Lite Plan
  • Royal Bank of Scotland Equity Release Schemes
  • L&G Legal & General Flexible Lifetime Mortgage
  • Liverpool Victoria LV Equity Release Plans
  • Pure Retirement Classic Voluntary Payment Super Lite
  • Saga home reversion plan
  • Just Retirement Equity Release Plans
  • HSBC Lifetime Mortgage
  • More to Life Capital Choice Plan
  • Lloyds Bank Equity Release Plans
  • TSB Equity Release Plans
  • Liverpool Victoria LV Equity Release Plans
  • More to Life Flexi Choice Drawdown Lite Plan
  • Stonehaven Interest Select Plan
  • NatWest Equity Release Plans
  • Equity Release Northern Ireland
  • More 2 Life Flexi Choice Drawdown Lite Plan
  • Age Partnership Interest Only Lifetime Mortgage

The 1st and 2nd charge lender will want to know if the property is a Freehold house or a Leasehold flat and if the resident is a Private Tenant and if the property is in Belfast.

Does Scottish Building Society have good reviews for equity release?

Yes, Scottish Building Society reviews are superb for equity release.

Halifax Equity Release Drawdown

Challenging to mortgage home titles include properties built on contaminated land, 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, thatched buildings and concrete frame.

Pitfalls of Equity Release Schemes

Interest-only lifetime mortgages can reduce the inheritance for your family. Home reversion schemes may impact entitlements to state benefits. You may need to pay a broker’s fee and you could have higher rates to pay with some schemes.

Halifax Equity Release Mortgage

Tough to mortgage home titles can include grade ll Listed houses (grade C in Scotland and B2 in Northern Ireland), properties with flying or creeping freehold which comprises 15% or less of the total floor area, properties with a small number of solar panels or a wind turbine on the land for domestic use, properties using rooms, land or outbuildings for business purposes which are not personal to the borrower(s) or which extend to more than 50% of the property to be secured 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.

What are the current Scottish Building Society rates for equity release?

Scottish Building Society interest rates for equity release are 2.25% APRC.

Legal & General Home Finance lifetime mortgage

Difficult to finance home types can include timber framed properties built before 1920, properties with single skin brickwork where the single skin comprises more than 20% of the surface area of the external walls, properties constructed or converted within the past 10 years, privately developed flats in blocks of five storeys or more and flats above or adjacent to commercial premises.

More to life  - Flexi Choice Super Lite

Difficult to mortgage property variants can include properties in poor condition, properties where the ownership is set up on a tenancy in common basis, 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 leased solar panels.

Legal & General Home Finance lifetime mortgage

Popular loan to value percentage ratios of Aviva mortgages over 70s, Zurich lifetime mortgages for people over 55, Churchill interest only mortgages for over 60s near London, Coventry Building Society interest only mortgages for over 65 year olds, Nottingham Building Society lifetime mortgages for people over 55 and Progressive Building Society mortgages for over 70s are 40%, 55% and 65%.

OneFamily joint lifetime mortgage

Does Scottish Building Society offer Equity Release?

Yes, Scottish Building Society Equity Release is 1.81% APR.

  • Other transportation support activities Leominster
  • First-degree level higher education Irthlingborough
  • Collection of non-hazardous waste Heanor and Loscoe
  • Operation of warehousing and storage facilities for air transport activities Ramsey
  • Manufacture of tubes, pipes, hollow profiles, and related fittings, of steel Wokingham
  • Youth hostels Cleobury Mortimer
  • Photographic activities not elsewhere classified Honiton
  • Manufacture of non-wovens and articles made from non-wovens, except apparel Tenterden
  • Growing of fiber crops Rochester
  • Construction of railways and underground railways Portishead and North Weston
  • Regulation of health care, education, cultural and other social services, not incl social security Godmanchester
  • Water collection, treatment, and supply Cromer
  • Mixed farming Totton and Eling
  • Manufacture of ice cream Calne
  • Retail sale of newspapers and stationery in specialized stores Coalville
  • Other cleaning services Maltby
  • Retail sale of books in specialized stores Peterlee
  • Repair and maintenance of other transport equipment n e c Barnes

Some of the most common loan to value ratios of LV= mortgages for over 60s, More to Life mortgages for 60 plus, OneFamily mortgages for over 65, YBS over 60 lifetime mortgages, Royal London mortgages for 60 year olds and SunLife retirement mortgages over 60 are 45%, 60% and 65%.

Do Scottish Building Society do Pensioner Mortgages?

Yes, Scottish Building Society Pensioner Mortgages are 1.94% APRC.

It’s common to find individuals searching for monthly payment lifetime mortgage, lumpsum lifetime mortgages or home reversion plans, however, Bower like Legal & General are keen to see proof of your circumstances in the form of pension statements.

Equity Release percentages of your current property value

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

Lenders for Equity Release

  • Aviva
  • New Life
  • Key Solutions
  • AA equity release

Crown

Common loan to value percentage ratios of Lloyds mortgages for people over 50, Barclays mortgages for 60 year olds, NatWest mortgages for 60 plus pensioners, Legal and General later life interest only mortgages over 75, RBS later life interest only mortgages over 60 and Nationwide BS equity release schemes for people over 70 are 50%, 60% and 70%.

Does Scottish Building Society offer Retirement Mortgages?

Yes, Scottish Building Society Retirement Mortgages are 2.23% APR.

More to life Mortgages

Pure Retirement Equity Release

Does Scottish Building Society offer Equity Release Under 55?

Yes, Scottish Building Society Equity Release Under 55 is 2.24% APRC.

Many of the most appealing retirement loan offerings include TSB mortgages for 60 plus, Barclays later life mortgages, Halifax retirement mortgages, Legal and General retirement mortgages and Nationwide mortgages for people 60 plus.

Just Retirement Mortgages

Pure Retirement
Northern Ireland•
Channel Islands•
Isle of Man
Scottish Isles
Properties valued at less than £100000

Does Scottish Building Society offer Lifetime Mortgages?

Yes, Scottish Building Society does lifetime mortgages at 1.94% MER. Scottish Building Society Lifetime Mortgages can have a loan to value (ltv) of 65%.