Remove tax-free equity from your property with the Skipton Building Society Equity Release
No need to make monthly payments
Help your family buy a home
Stay living in your own home for as long as you like
Can help with tax planning
5.03% fixed for life

Equity release loan to value?

You can get 65% of your property’s valuation. For example, if your house is valued at £ 330,000, you can get £ 214,500.

Free No Obligation Quote
How Much Would You Like Borrow/Release?*
Please enter a number from 3000 to 2000000000.
Value of your property*
Please enter a number from 30000 to 100000000.
Approximate outstanding mortgage you have on your property (if applicable)
Leave blank if no mortgage outstanding
About You
Name*
First Last
First Line Of Your Address:*
Your Postcode:*
Date of Birth*
Day
Month
Year
Your Email Address:*
Phone Number*

Customer Testimonials

Sandra from Manchester

I got Skipton Building Society Equity Release to give my daughter money to buy a house. Without the money I borrowed, her ability to buy a home would have been impossible.

skipton building society mortgage calculator

Mrs V from Hastings

I had spent my life running up credit card debt and loans, then getting interest-only mortgages to pay it off. I reached retirement age and still owed the bank £160,000. The term was about to expire, and I could not afford the pension payments anyway. I got £180,000 equity release, and now I am more comfortable with no monthly repayments. I spent £20,000 on a new bathroom and kitchen. I now know I can stay at home.

Ms G from Dover

I divorced my husband, who was a violent alcoholic. I feared losing my home as I sometimes looked after my daughter’s children. Equity release enabled me to pay off my ex and stay secure in my house.

Ms T from Hammersmith

My husband recently died, leaving me with a mortgage I could not afford to pay. The lifetime mortgage allowed me to pay off the mortgage and have enough money left over for a new bathroom, a new kitchen, and roof repairs.

mr-g skipton building society lifetime mortgage

Mr G from Kent

I got an interest-only lifetime mortgage and gave my sons £100,000 each so they could put a deposit down on a home. My money made it possible for them to secure an excellent mortgage deal, especially for one of their low-paid sons.

skipton building society lifetime mortgage rates

Skipton Building Society Equity release is common among small business owners, such as those listed below.

Financial leasing Ormskirk
Manufacture of knitted and crocheted fabrics Dagenham
Manufacture of motor vehicles Bishops Waltham
Manufacture of fibre optic cables Woking
Inland passenger water transport Kettering
Wholesale of metals and metal ores Erith
Hunting, trapping and related service activities in Knutsford
Manufacture of wooden containers Evesham
Motion picture, television and other theatrical casting activities in Bedford
Finishing of textiles Windsor
Raising of poultry New Alresford
specialised design activities Trowbridge
Film processing Brigg
The casting of steel Swindon
Wholesale of audio tapes, records, CDs and videotapes and the equipment on which these are played Andover
Fire service activities Bolsover
Agents selling agricultural raw materials, livestock, textile raw materials and semi-finished goods in Silsden
Steam and air conditioning supply Arundel

Tough-to-mortgage home titles include properties with legal agreements such as Overage, Clawback, Option, Pre-emption, or any onerous Restrictive Covenant; 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, mundic homes and Reema Hollow panel, Schindler and Hawksley SGS, Stent, Stonecrete, Stour, Tarran, Underdown, Unity and Butterley, Waller, Wates, Wessex, Winget and Woolaway.

Just retirement equity release key features
Stonehaven Lifetime Mortgage
Nationwide Equity Release Plans
Skipton Building Society Equity Release
More to Life Capital Choice Plan
Royal Bank of Scotland Equity Release
Aviva Lifestyle Flexible Option
Hodge Lifetime Flexible Voluntary Repayment Plan
L&G Legal & General Flexi Max Voluntary Repayment Plan
Pure Retirement Equity Release
Stonehaven Equity Release Scheme
TSB Equity Release Plans
NatWest Interest-Only Lifetime Mortgage
Saga Equity Release Plans and Skipton Building Society mortgage rates
Canada Life Voluntary Select Gold
Hodge Equity Release Schemes
Liverpool Victoria LV= Lump Sum Plus Lifetime Mortgage
Nationwide Equity Release Schemes
TSB Equity Release Schemes
Skipton Building Society Equity Release
Nationwide Interest-Only Lifetime Mortgage
TSB Equity Release Plans
Saga Equity Release Schemes
More 2 Life Flexi Choice Drawdown Lite Plan

Skipton Building Society mortgage rates

Challenging to finance property variants can include properties built or converted into dwellings within the last 10 years, properties with flying or creeping freehold which comprises 15% or less of the total floor area, properties without direct access to an adopted highway or which are accessed over an unmade road, properties with mobile phone masts which are not within influencing distance of the house and properties adversely affected by existing or proposed issues including roads, rail, airports, power plants, power lines/pylons, wind turbines, substations, sewage works, quarries, fuel stations, refuse sites, sports grounds, noise, light or environmental pollution.

What percentage can be released with Skipton Building Society Equity Release?

The more elderly you are and the more serious your illnesses are, the more tax-free money you can release.

Equity Release Mortgage Under 55

Difficult-to-mortgage property types can include eco houses and modern construction methods, properties with any external treatment applied to the roof after construction, properties with a minimum floor area of 30 square metres, former local authority flats, and privately developed flats in blocks of three or four storeys without a lift.

Difficult-to-finance property types can include properties in poor condition, 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 where the borrower(s) own the freehold with any connected party.

Popular loan-to-values of Aviva mortgages over 70s, Direct Line later life mortgages for over 60s, Churchill later life borrowing schemes over 55, Principality Building Society pensioner mortgages over 70s, West Bromwich Building Society interest only mortgages for over 70s and National Counties Building Society interest only retirement mortgages for over 70s are 40%, 55% and 70%.

Typical loan-to-value percentage ratios of Liverpool Victoria mortgages for 60-plus pensioners, More to Life RIO mortgages over 75, OneFamily interest-only lifetime mortgages for people over 60, YBS later life mortgages for over 70s, Metro Bank later life interest-only mortgages over 70 and Sun Life lifetime mortgages for people over 55 are 45%, 55% and 65%.

How much is expected to be released from a home with Skipton building society interest rates in 2026

60% lumpsum lifetime mortgages Fortify Insurance Solutions
45% loan to value (LTV) monthly payment lifetime mortgage, Saga
30% loan to value lifetime mortgage with flexible drawdown cash release Platform Mainstream

Aviva Equity Release

Lenders for Equity Release

Key Retirement
Prudential
More to life
Fortify Insurance Solutions

The mortgage 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-Occupant Primary Residence.

Some popular pensioner finance products include Lloyds Bank over-60 lifetime mortgages, Post Office mortgages for people 60 plus, L&G later life mortgages, and Nationwide BS interest-only lifetime mortgages.

Skipton Building Society mortgages

It is common to find individuals looking for monthly payment equity release, lump-sum lifetime mortgages, or home reversion schemes. However, the Telegraph, like Zurich, is keen to see proof of your situation through bank statements.

Towns where mortgage Skipton Lifetime Mortgages are routine

Ulverston
Saxmundham
Acle
Saxmundham
Totnes
St Ives
Wallsend
Tickhill
Stretford
Grimsby
Clitheroe
Pudsey
Redruth
Worthing
Dunstable
Walton-on-Thames

Downsides of Home Reversion Plans and Mortgage Rates Skipton

A monthly payment lifetime mortgage can reduce the inheritance for your family. Interest-only lifetime mortgages may affect eligibility for state benefits. You may need to pay an advisor’s fee, and some products are exposed to interest rate changes.

Typical loan-to-value ratios of Lloyds Bank later life interest-only mortgages over 70, over 60 lifetime remortgages with no fees, NatWest mortgages for over 65, Legal and General interest-only mortgages for over 60s near London, Royal Bank of Scotland lifetime mortgages for over 60s, and Nationwide Building Society over 60 lifetime mortgages are 45%, 55%, and 65%.

Many of the most appealing retirement mortgage products include Lloyds remortgages for 60-plus pensioners, Barclays Bank retirement remortgages, Halifax interest-only lifetime remortgages, Legal and General remortgages for 60-year-olds, and Nationwide equity release schemes.

Skipton Building Society Lifetime mortgages

Common LTV ratios of TSB retirement interest-only remortgages over 60, Barclays remortgages over 70, Halifax lifetime remortgages for over 55s, L&G remortgages over 65, Royal Bank of Scotland interest-only remortgages for people over 60, and Nationwide interest-only remortgages for over 60s near London are 35%, 60% and 65%.

Some of the most common loan-to-value ratios of Liverpool Victoria remortgages for those over 65, More to Life remortgages for people 60 plus, One Family remortgages for over 50 year olds, YBS RIO mortgages over 75, Principality Building Society lifetime remortgages for people over 55 and Axa retirement remortgages over 65 are 45%, 55% and 65%.

Popular LTV ratios of Standard Chartered retirement remortgages over 70, Direct Line equity release schemes for over 55s, Churchill remortgages for people over 50 years old, Principality Building Society lifetime remortgages for over 55s, West Bromwich Building Society lifetime remortgages for over 60s, and National Counties Building Society retirement remortgages over 70 are 50%, 60% and 70%.

Sorting by