Release equity from your house with equity release under 40
No regular monthly repayments
Help your family to buy a house
Stay living in your own property for as long as you like

How much can I borrow?

You can release 65% of your home’s valuation. For example, if your house is valued at £180,000, you can borrow £117,000.

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Canada Life Drawdown Lifetime Mortgages

Crown Retirement Mortgages

Pure Retirement Retirement Mortgages

The lender will want to know if the property is a semi-detached freehold house or a Leasehold flat with a share of freehold and if the resident is an Owner Occupier’s Primary Residence.

Areas where retirement mortgages are routine as well as equity release under 40

Barking
St Neots
Chesterfield
Lutterworth
Billingham
Redenhall with Harleston
Verwood
Winsford
Richmond
Stourport-on-Severn
Leatherhead
Budleigh Salterton
Syston
St Ives

Equity Release LTV for equity release under 40

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

Lenders for Equity Release

Aviva
LV equity release
Key Retirement

Tough-to-finance property variants include properties built on contaminated land, leasehold properties with a short lease, typically less than 70 years, or a defective lease, derelict property where part of the building is in severe disrepair and needs demolishing, and cob property that is missing planning permission or building regulations approval.

Tough-to-finance property variants can include flats of less than 30 square metres in any location, properties with grounds above five acres, properties with more than one annexe or self-contained part of the property, properties using rooms, land or outbuildings for business purposes which are not personal to the borrower(s) or which extend to more than 50% of the property to be secured and properties with mobile phone masts which are within influencing distance of the house.

Difficult-to-finance home variants can include complex roof structures, properties with pre-1945 asbestos or similar composition roof tiles, large concrete panel systems, and coach houses i.e. freehold properties with garages beneath and freehold flats (England, Wales, Northern Ireland).

Pure Retirement Ltd joint lifetime mortgage

Difficult-to-mortgage property types include properties currently undergoing substantial alterations, extensions, or repairs, properties where multiple third parties are living in an annexe, freehold houses and bungalows (England, Wales, Northern Ireland), properties made up of multiple titles, and properties with single-skin brickwork.

Some of the most common loan-to-value percentages of Standard Chartered retirement mortgages over 70, Shepherds Friendly later life borrowing schemes over 55, Churchill equity release plans for people over 60, Coventry Building Society mortgages for pensioners over 60, West Bromwich Building Society later life mortgages for over 70s and National Counties Building Society lifetime mortgages for over 60s are 40%, 60% and 70%.

Successful business owners who could benefit from equity release tax planning

Growing of fibre crops Newark-on-Trent
Youth hostels Bacup
Wholesale of machinery for the textile industry and of sewing and knitting machines Chickerell
Medical Nursing Home Activities Romford
Manufacture of ceramic household and ornamental articles Teignmouth
Manufacture of plastics and rubber machinery Dronfield
Wholesale trade of motor vehicle parts and accessories Flitwick
Taxi operation Rochford
Retail sale of leather goods in specialised stores Winsford
Post-harvest crop activities Hounslow
Repair of communication equipment Harlow
Photographic activities not elsewhere classified as Stow-on-the-Wold
Manufacture of homogenized food preparations and dietetic food Bordon
Other credit granting n e c Slough
Operation of historical sites and buildings and similar visitor attractions Ellesmere Port
Manufacture of tools Bushey
Mixed farming Chingford
Pre-press and pre-media services Chudleigh

Common LTV ratios of LV= later life interest-only mortgages over 60, More to life mortgages for 60-year-olds, OneFamily mortgages for over 50-year-olds, Yorkshire Bank mortgages for over 50-year-olds, Royal London later life mortgages for over 70s and Sun Life interest-only lifetime mortgages for people over 60 are 50%, 60% and 65%.

How much is it expected to release from a home

55% monthly payment lifetime mortgage The Exeter Equity Release
55% loan to value lumpsum lifetime mortgages Equifinance
25% loan to value lumpsum lifetime mortgages Axis Bank
25% loan to value home reversion plans Ipswich

It is usual to discover people searching for lump sum lifetime mortgages, monthly payment lifetime mortgages or lifetime mortgages with flexible drawdown cash releases, however, Key Retirement like AA equity releases keen to see proof of your situation in the form of investment statements.

More to Life Capital Choice Plus Plan
More to Life Capital Choice Plan
Hodge Lifetime Mortgage Plus
Pure Retirement Lifetime Mortgage
Lloyds Bank Equity Release
Bridgewater Lifetime Mortgage
Liverpool Victoria LV Equity Release Schemes
Stonehaven Interest Only Lifetime Mortgage
Saga home reversion schemes
Canada Life Landlord Voluntary Select Plan
Hodge Lifetime Mortgage Flexible Drawdown Plan
Just retirement equity release lifetime mortgages
Lloyds Bank Equity Release Plans
NatWest Lifetime Mortgage

Pitfalls of Lifetime Mortgages and equity release under 40

A monthly-payment lifetime mortgage can reduce the value of your estate in a similar way to equity release under 40. A lifetime mortgage with flexible drawdown cash release may impact entitlements to benefits. You may need to pay a legal fee, and you may have higher rates with some schemes.

Some of the most popular loan-to-value percentages for Lloyds retirement mortgages over 60, interest-only retirement mortgages for over 70s, Post Office later life mortgages for over 60s, Legal & General pensioner mortgages over 60, Royal Bank of Scotland mortgages for 60-year-olds, and Nationwide BS later life interest-only mortgages over 60 are 40%, 60%, and 70%.

Equity Release Under 55

Some of the most common retirement mortgage products include Lloyds Bank mortgages for people over 50, Barclays later life interest-only mortgages for people over 60, NatWest interest-only mortgages for over 65-year-olds, Legal and General later life interest-only mortgages for people over 60, and Nationwide mortgages for people over 65.

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