Top 10 mortgages for pensioners – over 65-year-olds in 2021


  • Release tax-free equity from your home or move home even at 65!
  • Find out the Top 10 lenders for people your age
  • You don’t need to make regular monthly payments if you don’t want to
  • Buy a family member a home without a mortgage
  • Are you still paying a mortgage? That’s fine we can help with that
  • Continue to stay in your home
  • Can be used to help tax planning
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Equity Release LTV

  • 50% lifetime mortgage with flexible drawdown cash release The Exeter Equity Release
  • 50% loan to value lump sum lifetime mortgages More2Life
  • 35% loan to value (LTV) lump sum lifetime mortgages Optimum Credit
  • 25% LTV home reversion schemes Keystone
  • 35% loan to value interest-only lifetime mortgages New Life
  • 25% loan to value interest-only lifetime mortgages Clearly Loans
  • 25% loan to value (LTV) monthly payment lifetime mortgage Chorley Building Society

Legal & General - Flexible Yellow

More2Life - Flexi Choice Lite

Aviva lifetime mortgage


Hodge Lifetime Retirement Mortgages

LV Retirement Mortgages

Crown Mortgages

Nationwide Equity Release Advice

Its very regular to find individuals seeking out lump sum lifetime mortgages, monthly payment lifetime mortgage or monthly payment equity release, however, Lifetime Mortgage from L&G like The Exeter Equity Release are keen to see proof of your situation in the form of pension statements.

Drawbacks of Equity Release Schemes

Lump sum lifetime mortgages can reduce the value of your estate. Lump sum lifetime mortgages may impact ability to claim benefits. You may need to pay a solicitor’s fee and some products expose you to changes in interest rates.

Equity release is common among business owners like below

  • Medical nursing home activities Oundle
  • Renting and leasing of freight air transport equipment Stourbridge
  • Manufacture of watches and clocks Walthamstow
  • Manufacture of equipment for concrete crushing and screening and roadworks Rugby
  • Agents selling agricultural raw materials, livestock, textile raw materials and semi-finished goods Wadebridge
  • Casting of light metals Brierley
  • Growing of vegetables and melons, roots and tubers St Just-in-Penwith
  • Manufacture of men’s underwear Harlow
  • Transmission of electricity Cheadle
  • Retail sale of carpets, rugs, wall and floor coverings in specialised stores Loughton
  • Agents involved in the sale of a variety of goods Colburn
  • Bookkeeping activities Axminster
  • Cargo handling for water transport activities Yeovil
  • Wholesale of electronic and telecommunications equipment and parts Keswick
  • Manufacture of other non-distilled fermented beverages Sturminster Newton
  • Manufacture of rusks and biscuits; manufacture of preserved pastry goods and cakes Whittlesey
  • Manufacture of non-electronic measuring, testing etc equipment, not for industrial process control Peterlee
  • Finishing of textiles Wem


  • Aviva Lifetime Mortgages for Pensioners
  • Canada Life Landlord Voluntary Select Plan
  • L&G Legal & General Flexi Max Voluntary Repayment Plan
  • Liverpool Victoria LV Equity Release Plans
  • Lloyds Bank Equity Release Plans
  • TSB Equity Release
  • Just Retirement Drawdown Lifetime Mortgage
  • Liverpool Victoria LV Equity Release Plans
  • More 2 Life Capital Choice Plus Plan
  • TSB Equity Release Plans
  • Hodge Indexed Lifetime Mortgage
  • Just Retirement Equity Release Plans
  • Liverpool Victoria LV Equity Release Schemes
  • More 2 Life Tailored Choice Plan
  • Pure Retirement Classic Voluntary Payment Super Lite
  • Nationwide Interest Only Lifetime Mortgage
  • HSBC Equity Release Schemes
  • TSB Equity Release Plans
  • Saga Equity Release Plans
  • Hodge Lifetime Flexible Voluntary Repayment Plan
  • Liverpool Victoria LV= Lump Sum Plus Lifetime Mortgage
  • More to Life Flexi Choice Drawdown Lite Plan


UK Equity Release Lenders

  • Legal and General
  • Saga
  • Bower
  • Maximum cover Equity Release

The mortgage lender will want to know if the property is a Freehold terraced house or a Leasehold house and if the resident is an Private Tenant.

Areas where Lifetime Mortgages are popular

  • Newhaven
  • Wimbledon
  • Broseley
  • Workington
  • Immingham
  • Thornbury
  • Blyth
  • Trowbridge
  • Nantwich
  • Uxbridge
  • Didcot

Nationwide Equity Release From Property

How much is it common to release from a home

The more aged you are and the sicker you are the more cash you can release.