Release-tax free equity from your house
You don’t need to make regular monthly payments
Use the equity released for anything you like
Still, have a few more mortgages payments to make? No problems
Continue to live in your own property
Often used to help tax planning

How much can I borrow?

You can release 65% of your property’s value. As an example, if your house is valued at £310000 you can release £201500.

Free No Obligation Quote
How Much Would You Like Borrow/Release?*
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Value of your property*
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Approximate outstanding mortgage you have on your property (if applicable)
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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)
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Equity Release UK Lenders

Bower
More to Life
the Telegraph
Prudential
Legal & General
Difficult to finance property variants include difficult roof structures, properties with any external treatment applied to the roof after construction, large concrete panel systems, coach houses i.e. freehold properties with garages beneath and basement or lower ground floor flats without level access to private or communal garden space.

Retired business owners that may be interested in Home Reversion Schemes

Manufacture of synthetic rubber in primary forms Spalding
Electrical installation Crediton
Wholesale of dairy products, eggs and edible oils and fats St Mary Cray
Binding and related services Sheringham
Demolition Ramsgate
Wholesale of mining, construction and civil engineering machinery Launceston
Renting and leasing of cars and light motor vehicles Bromborough
specialised design activities Haslemere
Media representation services Leyton
Manufacture of pumps Birchwood
Urban and suburban passenger railway transportation by underground, metro and similar systems Liskeard
Manufacture of plastic packing goods Gainsborough
Manufacture of mattresses Hebden Royd
Other accommodation Swanscombe and Greenhithe
Specialised cleaning services Bentham
Manufacture of pesticides and other agrochemical products Swaffham
Manufacture of soft drinks; production of mineral waters and other bottled waters Cheltenham
Unlicensed carrier South Cave

Hard to mortgage home types include properties in poor condition, properties where letting arrangement where the tenancy agreement is not appropriate, freehold houses and bungalows (England, Wales, Northern Ireland), properties where the customer is offering only part of the title as security for the loan and properties with single skin brickwork.

Common loan to value percentages of Virgin Money lifetime mortgages for over 55s, Shepherds Friendly help to buy for over 60s, Churchill pensioner mortgages over 55, Coventry Building Society over 60 mortgages, Newcastle Building Society mortgages for pensioners over 60 and Progressive Building Society mortgages for people over 50 are 45%, 55% and 70%.

Some of the most common LTV ratios of LVE later life mortgages for over 60s, More to life later life mortgages for over 60s, One Family lifetime mortgages for people over 55, YBS interest only lifetime mortgages for over 70s, Royal London mortgages for over 65 and Axa mortgages for 60 plus are 40%, 55% and 70%.

Areas of the UK where equity release is common

Ulverston
Dovercourt
Shoreham-by-Sea
March
Padstow
Padstow
Birkenhead
Hartlepool
Coleford
Raunds
Highworth
Ingleby Barwick
Swaffham
Haslingden
Aldeburgh
Hartland
Shaftesbury
Kidsgrove
Wednesbury
Eastwood

Aviva Lifetime Mortgages
Hodge Lifetime Mortgage Plus
Just retirement defined benefit
Royal Bank of Scotland Equity Release
Saga Equity Release Schemes
Aviva Equity Release Schemes
Just retirement equity release key features
Pure Retirement Classic Voluntary Payment Super Lite
Nationwide Equity Release Plans
Canada Life Lifestyle Lite Flexi
Liverpool Victoria LV Equity Release Plans
Nationwide Equity Release Schemes
More to Life Tailored Choice Plan
Hodge Lifetime Mortgage Flexible Drawdown Plan
Liverpool Victoria LV Equity Release
More to life Flexi Choice Drawdown Lite Plan
Stonehaven Interest Only Lifetime Mortgage
Nationwide Equity Release
Age Partnership Interest Only Lifetime Mortgage

Equity Release LTV Percentages

50% monthly payment equity release Legal & General
60% LTV monthly payment lifetime mortgage Just Retirement
40% loan to value home reversion schemes LV equity release
25% loan to value (LTV) monthly payment lifetime mortgage Evolution Money
30% loan to value monthly payment equity release HSBC Direct
40% loan to value monthly payment equity release Prudential Lifetime

Some of the most common pensioner mortgage products include Lloyds Bank mortgages over 65, Barclays Bank interest only mortgages for over 65 year olds, Halifax interest only mortgages for people over 60, Legal and General mortgages for over 65 and Nationwide Building Society interest only mortgages for people over 60.

Downsides of Lifetime Mortgages

Lump-sum lifetime mortgages can reduce your estate value. Lifetime mortgage with flexible drawdown cash release may impact entitlements to benefits. You may need to pay an advisor’s fee and you could have higher rates to pay with some schemes.

The mortgage lender will want to know if the property is a Semi detached freehold house or a Leasehold flat with share of freehold and if the resident is an AST Tenant.

What percentage can be released?

The more aged you are and the more serious your illnesses you are the more money you can release.

Tough to mortgage property variants include high service charges, properties close to mining works, areas of landfill, areas of recent flooding or subsidence, derelict property or where part of the building is in severe disrepair and needs demolishing, mundic homes and Reema Hollow panel, Schindler and Hawksley SGS, Stent, Stonecrete, Stour, Tarran, Underdown, Unity and Butterley, Waller, Wates, Wessex, Winget and Woolaway.

Hodge Lifetime Lifetime Mortgages
Equity Release Mortgage Under 55

Legal and General Retirement Mortgages

Pure Retirement Equity Release

LV Lifetime Mortgages

It is often found to encounter individuals searching for lump sum lifetime mortgages, lumpsum lifetime mortgages or interest-only lifetime mortgages, however, Age Concern like The Exeter Equity Release are keen to see proof of your personal situation in the form of bank statements.

Popular loan to values of Lloyds Bank mortgages for pensioners over 60, Barclays Bank mortgages for 60 year olds, Halifax mortgages for 60 year olds, L&G later life mortgages for over 60s, Bank of Scotland interest only mortgages for people over 60 and Nationwide Building Society mortgages for 60 year olds are 40%, 55% and 70%.

Tough to mortgage property titles can include properties with outbuildings used for normal domestic purposes (garage, workshop, stables, barn etc), properties with a single annexe or other self-contained part of the property, agricultural use of the land and any outbuildings, properties that are being used for personal commercial use 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.

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