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Live in a Studio flat and want some equity release? 1.97% APR for 2022

studio-flat

  • Remove tax-free equity from your home
  • 1.97% APR
  • You don’t need to make regular monthly payments
  • Use the equity released for anything you like
  • Stay living in your own home

How much cash can I get?

You can get 60% of your property’s value. For example, if your house is worth £220000 you can release £132000.

  • 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

Old money home
Wandsworth Family Home
South West London Home

  • Your Requirements

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

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Areas of the UK where equity release is routine

  • Crosby
  • Glastonbury
  • Woburn
  • New Milton
  • Alsager
  • Chester-le-Street
  • Clitheroe
  • St Just-in-Penwith
  • Cromer
  • Axminster
  • Hessle
  • Thirsk
  • Northwich
  • Darley Dale
  • Bishops Castle
  • Tring

How much is it common to release from a home

  • 60% monthly payment lifetime mortgage Old Mutual Wealth
  • 55% loan to value interest-only lifetime mortgages Equifinance
  • 40% loan to value (LTV) lump sum lifetime mortgages Bridgewater
  • 30% loan to value monthly payment lifetime mortgage Prestige Finance
  • 45% loan to value monthly payment lifetime mortgage 1st Stop Home Loans

LV

Canada Life Equity Release

More to life Drawdown Lifetime Mortgages

The lender will want to know if the property is a Freehold house or a Leasehold flat and if the resident is an Owner Occupier.

Legal & General - Flexible Yellow

Challenging to mortgage property titles include properties will be assessed for flood risk, ground rent where the lease or any deed varying the lease provides for a ground rent exceeding, or where the escalating provisions would result in the ground rent exceeding £250 per annum (or £1000 per annum where the property is in Greater London), some properties with sitting tenants or regulated tenancies, mundic homes and Reema Hollow panel, Schindler and Hawksley SGS, Stent, Stonecrete, Stour, Tarran, Underdown, Unity and Butterley, Waller, Wates, Wessex, Winget and Woolaway.

OneFamily lifetime mortgage

Challenging to finance home variants include grade ll Listed houses (grade C in Scotland and B2 in Northern Ireland), properties with room(s) or outbuilding(s) used for a small amount of personal commercial use, agricultural use of the land and any outbuildings, properties with mobile phone masts which are not within influencing distance of the house and properties in coastal areas that may be affected by erosion.

Hodge Lifetime - Flexible Repayment Plan - NO Early Repayment Charges

Difficult to mortgage property variants 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, privately developed flats, maximum four storeys with a lift, coach houses i.e. freehold properties with garages beneath and basement or lower ground floor flats with level access to private or communal garden space.

Do Stafford Railway Building Society have positive reviews for equity release?

Yes, Stafford Railway Building Society reviews are superb for equity release.

Hodge Lifetime lifetime mortgage

  • Canada Life Landlord Voluntary Select Plan
  • L&G Legal & General Flexible Lifetime Mortgage
  • Liverpool Victoria LV Equity Release Schemes
  • Nationwide Interest Only Lifetime Mortgage
  • Saga home reversion schemes
  • More to life Flexi Choice Voluntary Payment Super Lite
  • Just retirement equity release key features
  • Saga Equity Release Schemes
  • Age Partnership Interest Only Lifetime Mortgage
  • Aviva Lifetime Mortgages for Pensioners
  • Canada Life Equity Release
  • Stonehaven Equity Release Plan
  • Lloyds Bank Equity Release Schemes
  • Age Partnership Lifetime Mortgage
  • Canada Life Voluntary Select Gold
  • L&G Legal & General Flexible Max Scheme
  • Liverpool Victoria LV Equity Release Schemes
  • More to life Capital Choice Plan
  • Pure Retirement Equity Release Schemes
  • Stonehaven Interest Only Lifetime Mortgage
  • HSBC Equity Release
  • Royal Bank of Scotland Equity Release Schemes
  • Age Partnership Lifetime Mortgage

Hard to mortgage home variants can include properties currently undergoing substantial alterations, extensions or repairs, entirely tenanted properties, 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.

What are Stafford Railway Building Society rates for equity release?

Stafford Railway Building Society interest rates for equity release are 2.24% APR.

Hinckley & Rugby Building Society Over 50 Mortgage

Popular LTV percentagesof Virgin Money retirement interest only mortgages over 75, Direct Line mortgages for over 65, Leeds Building Society mortgages for over 65, Skipton Building Society later life borrowing schemes over 55, West Bromwich Building Society RIO mortgages over 75 and Progressive Building Society mortgages over 70s are 45%, 55% and 65%.

Do Stafford Railway Building Society do Equity Release?

Yes, Stafford Railway Building Society Equity Release is 2.11% MER.

Equity Release UK Providers

  • Lifetime Mortgage from L&G
  • Norwich Union
  • Key Retirement
  • AIG Life

Popular LTV percentages of Liverpool Victoria pensioner mortgages over 70s, More 2 Life retirement interest only mortgages over 60, OneFamily over 60 mortgages, Yorkshire Bank interest only retirement mortgages for over 70s, Metro Bank equity release schemes for people over 70 and Sun Life pensioner mortgages over 55 are 45%, 60% and 70%.

Does Stafford Railway Building Society offer Pensioner Mortgages?

Yes, Stafford Railway Building Society Pensioner Mortgages are 1.82% APR.

Equity Release percentages of your current property value

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

Drawbacks of Equity Release Schemes

A lifetime mortgage with flexible drawdown cash release can reduce the value of your estate. Lifetime mortgage with flexible drawdown cash release may impact entitlements to state benefits. You may need to pay a solicitor’s fee and you could have higher rates to pay with some schemes.

Hinckley & Rugby Building Society Interest Only Mortgage

Does Stafford Railway Building Society offer Retirement Mortgages?

Yes, Stafford Railway Building Society Retirement Mortgages are 1.96% APRC.

Equity Release Calculator Under 55

Common retirement loan offerings are TSB interest only lifetime mortgages, Barclays interest only mortgages for over 60s near London, NatWest interest only mortgages for over 60s, Legal and General later life mortgages and Nationwide BS mortgages for pensioners.

It’s common to discover individuals searching for home reversion schemes, monthly payment lifetime mortgage or interest-only lifetime mortgages, however, the Telegraph like Maximum cover Equity Release are keen to see proof of your circumstances in the form of investment statements.

Does Stafford Railway Building Society offer Equity Release Under 55?

Yes, Stafford Railway Building Society Equity Release Under 55 is 1.98% APR.

Examples of business owners with home equity to release

  • Travel agency activities Buckingham
  • Manufacture of kitchen furniture Southgate
  • Manufacture of central heating radiators and boilers St Columb Major
  • Manufacture of workwear Sleaford
  • Other activities auxiliary to insurance and pension funding Masham
  • Pre-press and pre-media services Haltwhistle
  • Manufacture of cider and other fruit wines Snaith and Cowick
  • Activities of credit bureaus Bottesford
  • Processing of nuclear fuel Woburn Sands
  • Wholesale of other food, including fish, crustaceans and molluscs Wallasey
  • Tea processing Castleford
  • Lead, zinc and tin production Woodbridge
  • Agents involved in the sale of textiles, clothing, fur, footwear and leather goods Sprowston
  • Cold rolling of narrow strip Barnard Castle
  • Freight transport by road Sittingbourne
  • Manufacture of paper and paperboard Swaffham
  • Activities of other membership organizations n e c Stanhope
  • The casting of iron Ormskirk

Popular LTV ratios of TSB lifetime mortgages for over 55s, Barclays Bank pensioner mortgages over 55, Halifax mortgages over 65, Legal and General retirement interest only mortgages over 75, Royal Bank of Scotland interest only lifetime mortgages for over 60s and Nationwide mortgages over 70s are 50%, 55% and 65%.

Do Stafford Railway Building Society do Lifetime Mortgages?

Yes, Stafford Railway Building Society do lifetime mortgages at 2.22% APR. Stafford Railway Building Society Lifetime Mortgages can have a loan to value (ltv) of 65%.