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Under 60s low rate equity release and lifetime mortgage option for 2021


  • Remove tax free equity from your house
  • Not necessary to make monthly payments
  • Use the money for a motorhome or new car
  • Are you still paying a mortgage? No problems
  • Continue to stay in your home for as long as you like

Loan to value for equity release?

You can release 70% of your home’s value. As an example, if your house is worth £180000 you can borrow £126000.

  • Your Requirements

  • Please enter a number from 4000 to 200000000.
  • Please enter a number from 50000 to 10000000.

Wandsworth Family Home
Raise money with your home

  • Your Requirements

  • Please enter a number from 4000 to 20000000.
  • About You

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Monmouthshire Building Society Over 55 Mortgage

Canada Life Lifetime Mortgages

LV Mortgages

Crown Drawdown Lifetime Mortgages


Equity Release UK Lenders

  • Legal and General
  • Prudential
  • More2Life


Downsides of Home Reversion Schemes

Lifetime mortgage with flexible drawdown cash release can reduce the value of your estate. Home reversion schemes may impact entitlements to benefits. You may need to pay a valuation fee and you could be exposed to changes in interest rates with some products.

Legal & General - Flexible Indigo

Pure Retirement - Classic Lite

Tough to mortgage home variants can include properties will be assessed for flood risk, properties without a kitchen or bathroom, property is uninhabitable, corrugated iron construction and properties that has never been registered with the land registry.

More2Life - Tailored Choice Plan

Legal & General - Flexible Pink

Towns where retirement mortgages are popular

  • Fordingbridge
  • Hastings
  • Scunthorpe
  • Colyton
  • Haslingden
  • Stowmarket
  • Lewes
  • Teignmouth
  • Skelmersdale
  • Woking
  • Saxmundham
  • Mansfield
  • Woodley
  • Greater Willington
  • Seaham
  • Castleford
  • Penwortham
  • Bromborough
  • Filton


Equity Release LTV Percentages

The more aged you are and the more illnesses you have you are the more tax free money you can release.

Tough to mortgage home 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, grades l and ll* Listed Buildings in England & Wales (Grades A and B in Scotland; A, B+ and B1 in Northern Ireland), properties that have solar farms or a large number of wind turbines on the land and properties in coastal areas that may be affected by erosion.

Monmouthshire Building Society Retirement Mortgage

Difficult to finance property types can include Timber-framed properties constructed post-1965, properties with single skin brickwork where the single skin comprises more than 20% of the surface area of the external walls, properties with minimum floor area of 30 square metres, privately developed flats in blocks of two storeys without a lift and basement or lower ground floor flats without level access to private or communal garden space.

It is often found to find people seeking out home reversion schemes, lumpsum lifetime mortgages or interest-only lifetime mortgages, however, More2Life like The Exeter Equity Release are keen to see evidence of your personal situation in the form of pension statements.

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 AST Tenant.

Difficult to mortgage home types can include properties in poor condition, properties where multiple third parties are living in an annexe, feuhold/freehold properties (including flats) in Scotland, crofted houses and properties owned under any form of shared equity scheme.

Business owners who could benefit from equity release estate planning

  • Manufacture of cement Cleckheaton
  • Retail sale of musical instruments and scores Silloth
  • Research and experimental development on biotechnology Sale
  • Manufacture of other builders’ carpentry and joinery Haslemere
  • Other retail sale of food in specialised stores Bushey
  • Wholesale trade of motor vehicle parts and accessories Shanklin
  • Research and experimental development on social sciences and humanities Denholme
  • Manufacture of ceramic sanitary fixtures Burslem
  • Other credit granting n e c Redhill
  • Publishing of newspapers Burgh-le-Marsh
  • Agents selling agricultural raw materials, livestock, textile raw materials and semi-finished goods Earl Shilton
  • Growing of beverage crops Stalham
  • Fund management activities Yarmouth
  • Manufacture of wooden containers Faversham
  • Licensed clubs Preesall
  • Management consultancy activities other than financial management Clare
  • Wholesale of fruit and vegetable juices, mineral water and soft drinks Whitchurch
  • Sale of other motor vehicles Cleethorpes


Some of the most common loan to value percentage ratios of Virgin Money remortgages for people over 50 years old, Direct Line mortgages for over 65, Churchill retirement interest only mortgages over 75, Principality Building Society mortgages for 60 year olds, Newcastle Building Society retirement mortgages over 60 and National Counties Building Society over 60 lifetime mortgages are 35%, 55% and 65%.


Common loan to value ratios of Liverpool Victoria interest only mortgages for over 60s, More 2 Life over 60 mortgages, One Family over 60 lifetime mortgages, Yorkshire Building Society equity release schemes for over 55’s, Metro Bank interest only mortgages for over 60s near London and Axa mortgages for 60 plus are 45%, 60% and 65%.

Equity Release percentages of your current property value

  • 60% lump sum lifetime mortgages Royal London Equity Release
  • 55% LTV lumpsum lifetime mortgages Key Retirement
  • 30% loan to value (LTV) home reversion schemes Evolution Money
  • 60% LTV home reversion schemes Together Money
  • 30% loan to value (LTV) home reversion plans Vernon Building Society


Some of the most popular loan to value percentages of Lloyds later life borrowing schemes over 55, Barclays Bank retirement mortgages over 70, Post Office help to buy for over 60s, L&G later life borrowing schemes over 55, Bank of Scotland lifetime mortgages for over 55s and Nationwide interest only mortgages for people over 70 are 50%, 60% and 65%.

  • Bridgewater Equity Release Plans
  • Canada Life Lifestyle Gold Flexi
  • Just Retirement Drawdown Lifetime Mortgage
  • More2Life Flexi Choice Drawdown Lite Plan
  • Pure Retirement Lifetime Mortgage
  • Nationwide Equity Release Plans
  • TSB Lifetime Mortgage
  • NatWest Equity Release
  • Royal Bank of Scotland Equity Release Schemes
  • Aviva Equity Release
  • Pure Retirement Equity Release Plans
  • More 2 Life Flexi Choice Voluntary Payment Super Lite
  • Royal Bank of Scotland Interest Only Lifetime Mortgage
  • Aviva Lifetime Mortgage
  • Bridgewater Equity Release Plans
  • Canada Life Equity Release Schemes
  • L&G Legal & General Flexible Plus Lifetime Mortgage
  • Pure Retirement Equity Release Plans
  • Stonehaven Interest Select Plan
  • Nationwide Interest Only Lifetime Mortgage
  • More to Life Tailored Choice Plan
  • Royal Bank of Scotland Equity Release Plans


Some of the most popular retirement loan offerings include TSB mortgages over 65, Barclays pensioner mortgages, Post Office interest only mortgages for over 70s, L&G mortgages over 65 and Nationwide later life interest only mortgages.