Release equity from your house
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. As an example, if your house is valued at £180000 you can borrow £117000.

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Free No Obligation Quote
How Much Money Would You To Like Raise?*
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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 share of freehold and if the resident is an Owner Occupier Primary Residence.

Areas where retirement mortgages are routine

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

Equity Release LTV

The more elderly you are and the more illnesses you have you are 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 or where part of the building is in severe disrepair and needs demolishing, cob property and 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 in excess of 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 difficult roof structures, properties with pre 1945 asbestos or similar composition roof tiles, large concrete panel systems, coach houses i.e. freehold properties with garages beneath and freehold flats (England, Wales, Northern Ireland).

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 which are 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 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 common 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 mortgage or lifetime mortgage with flexible drawdown cash release, however, Key Retirement like AA equity release are 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
HSBC Interest Only 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

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

Some of the most popular loan to value percentages of Lloyds retirement mortgages over 60, HSBC 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 over 60, NatWest interest only mortgages for over 65 year olds, Legal and General later life interest only mortgages over 60 and Nationwide mortgages for over 65.

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