Remove tax-free money from your home
You don’t need to make regular monthly payments
Free valuation
Help your family get a deposit for their own home
Stay living in your own house for as long as you like
Could be used to help tax planning

Equity release loan to value?

You can get 70% of your home’s value. For example, if your house is valued at £240000 you can borrow £168000.

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How Much Would You Like Borrow/Release?*
Please enter a number from 4000 to 200000000.
Value of your property*
Please enter a number from 50000 to 10000000.
Total amount of mortgage/loans you have on your property

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Your Requirements
How Much Money Would You To Like Raise?*
Please enter a number from 4000 to 20000000.
Estimated Value Of Your Property?*
Total amount of mortgage/loans you have on your property
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Drawbacks of Equity Release Plans

Interest-only lifetime mortgages can reduce your estate value. Lump-sum lifetime mortgages may impact the ability to claim entitlements. You may need to pay a legal fee and you could have higher rates to pay with some schemes.

Equity Release percentages of your current property value

55% monthly payment lifetime mortgage LV Liverpool Victoria
55% loan to value monthly payment lifetime mortgage Bower
30% LTV lifetime mortgage with flexible drawdown cash release Shawbrook
25% loan to value (LTV) monthly payment lifetime mortgage United Trust Bank

It is usual to discover people searching for monthly payment lifetime mortgage, monthly payment lifetime mortgage or home reversion schemes, however, Just Retirement like Legal & General are keen to see evidence of your personal circumstances in the form of bank statements.

Canada Life Drawdown Lifetime Mortgages

Challenging to mortgage home titles can include properties will be assessed for flood risk, properties close to mining works, areas of landfill, areas of recent flooding or subsidence, properties where there are boundary disputes or where planning applications have not been applied for correctly, corrugated iron construction and concrete frame.

Just Lifetime Mortgages

Aviva Retirement Mortgages

Tough to finance home variants can include grade ll Listed houses (grade C in Scotland and B2 in Northern Ireland), properties with a single annexe or other self-contained part of the property, properties with more than one annexe or self-contained part of the property, properties with flying or creeping freeholds which comprise over 15% of the total floor area and properties with mobile phone masts which are within influencing distance of the house.

Bridgewater Lifetime Mortgage
Just Retirement Interest Only Lifetime Mortgage
Liverpool Victoria LV Equity Release Plans
TSB Lifetime Mortgage
Royal Bank of Scotland Equity Release
Bridgewater Equity Release
L&G Legal & General Flexi Max Voluntary Repayment Plan
Liverpool Victoria LV Equity Release Schemes
More 2 Life Capital Choice Plus Plan
HSBC Equity Release Schemes
Royal Bank of Scotland Interest Only Lifetime Mortgage
Canada Life Equity Release
Just Retirement Equity Release
Saga home reversion schemes

Providers for Equity Release

Age Partnership
Santander
Lifetime Mortgage from L&G

Hard to finance home types include timber framed properties built before 1920, properties with pre 1945 asbestos or similar composition roof tiles, steel frame/clad properties built before 1990, 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.

Hard to mortgage property variants include properties in the course of construction or pre-construction, properties where multiple third parties are living in an annexe, feuhold/freehold properties (including flats) in Scotland, properties with unregistered titles subject to these being registered as part of the legal process and properties with owned solar panels.

Popular LTV percentages of Virgin Money mortgages for over 70s, Direct Line interest only mortgages for people over 70, Leeds Building Society lifetime mortgages for people over 55, Skipton Building Society later life interest only mortgages over 60, West Bromwich Building Society interest only mortgages for over 60s and Cumberland Building Society retirement interest only mortgages over 75 are 40%, 60% and 65%.

Popular loan to value percentage ratios of LV= interest only mortgages for people over 60, More2Life lifetime mortgages for people over 55, OneFamily interest only mortgages for over 60s near London, Yorkshire Building Society mortgages over 70s, Royal London over 60 lifetime mortgages and Axa mortgages for over 60s are 50%, 55% and 65%.

Some of the most common loan to value ratios of Lloyds Bank lifetime mortgages for over 55s, Barclays Bank mortgages for people 60 plus, Natwest interest only lifetime mortgages for people over 60, L&G interest only lifetime mortgages for over 60s, RBS mortgages for over 65 and Nationwide Building Society retirement interest only mortgages over 75 are 35%, 60% and 70%.

Business owners who could benefit from equity release tax planning

Sea and coastal freight water transport Wembley
Renting and leasing of office machinery and equipment including computers Oakengates
Manufacture of machinery for textile, apparel and leather production Waltham Abbey
Non-specialised wholesale trade Yarm
Retail sale of fish, crustaceans and molluscs in specialised stores Worksop
Construction of roads and motorways Littlehampton
Manufacture of fruit and vegetable juice Atherstone
Wholesale of textiles Maryport
Manufacture of margarine and similar edible fats Brampton
Construction of commercial buildings Bradford-on-Avon
Manufacture of homogenized food preparations and dietetic food Whitnash
Botanical and zoological gardens and nature reserves activities Thatcham
Other non-ferrous metal production Bingham
Retail sale of games and toys in specialised stores Plympton
Transport via pipeline Chester-le-Street
Technical and vocational secondary education Huntingdon
The casting of iron Poynton-with-Worth
Manufacture of glass fibres Burntwood

How much is it common to release from a home

The more aged you are and the more illnesses you have you are the more tax-free cash you can release.

Areas of the UK where equity release is routine

Barnet
Kirton-in-Lindsey
Kirkby Lonsdale
Batley
Bampton
Letchworth Garden City
Taunton
Epping
Hartland
Worksop
Paignton
Corringham
Highworth
Burgh-le-Marsh
Wadhurst
Manningtree
Whitchurch
Oakham
Keighley
Sturminster Newton
Bootle
Farnham
Whitchurch

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

Popular retirement mortgage products include Lloyds Bank mortgages for over 65, Barclays Bank help to buy for over 60s, Post Office later life interest only mortgages, Legal and General mortgages for over 65 and Nationwide BS over 60 lifetime mortgages.