Remove tax-free money from your property
No monthly repayments
Use the cash for anything you like
Still have a few more mortgages payments to make? No problems
Continue to stay in your house for as long as you like

Your Requirements
How Much Would You Like Borrow/Release?*
Please enter a number from 4000 to 200000000.
Value of your property*
Please enter a number from 50000 to 10000000.
Total amount of mortgage/loans you have on your property
Type of Finance*
- Equity Release
- Lifetime Mortgage
- Retirement Interest Only Mortgage
- Retirement Mortgage
- I'm Not Sure

About You
Name*
First Last
First Line Of Your Address:*
Your Postcode:*
Please Agree To Our T&C and Privacy*
- I Agree

Date of Birth*
Your Email Address:*
Phone Number*

Customer Testimonials

William from London

I was told by my lawyer my inheritance tax bill would be around £250,000. I got a lifetime mortgage to give money to my son and daughter so they could buy bigger homes and we bought a house in the south of France for us all to use as a holiday home.

Sandra from Manchester

I got equity release to give money to my daughter to buy a house. Without the money I borrowed, her buying a home would have been impossible.

Ms G from Dover

I divorced my husband who was a violent alcoholic. I really feared losing my home as I sometimes look after my daughter’s children. Equity release enabled me to pay off my ex and stay secure in my home.

Mrs V from Hastings

I had spent my life running up credit cards and loans then getting interest-only mortgages to pay off the debt. I got to retirement age and still owed the bank £160,000. The term was about to expire, and I could not afford the payments on my pension anyway. I got £180,000 equity release and now I am more comfortable with no monthly repayments and I spent £20,000 on a new bathroom and kitchen. I now know I can stay in my home.

Mr Smith from Kendal

My financial advisor told me that I should get equity release and gift money to my 5 children now as it would save a massive amount of inheritance tax.

Mrs G from Leeds

My daughter is a single mother, and I got a £120,000 lifetime mortgage to buy her a flat outright as she has had a succession of poorly maintained rental flats not suitable for her child.

Mrs Daly from Glasgow

My daughter lives in the states and does not have health insurance. My £30,000 lifetime mortgage paid the medical bills for her son to be born and a years rent in advance for a new flat for the baby.

Your Requirements
My Property or Home:*
How Much Money Would You To Like Raise?*
Please enter a number from 4000 to 20000000.
Type of Finance*
- Equity Release
- Lifetime Mortgage
- Retirement Interest Only Mortgage
- Retirement Mortgage
- Not Sure
I would like to*
- Refinance my existing property and stay
- Get new finance for a new property
Estimated Value Of Your Property?*
Total amount of mortgage/loans you have on your property
About You
Please tell us about your self and what you want
Name*
First Last
Phone*
Date of Birth*
Your Email Address:*
First Line Of Your Address:*
Your Postcode:*
Please Agree To Our T&C and Privacy*
- I Agree
By clicking Submit and ticking the box above you agree to be contacted by an FCA authorised advisor that you have read and agreed to our Terms & Conditions and our Privacy Policy.

It’s common to discover individuals looking for lump sum lifetime mortgages, lumpsum lifetime mortgages or interest-only lifetime mortgages, however, More2Life like Aegon are keen to see proof of your circumstances in the form of investment statements.

UK Lenders for Equity Release

Key Retirement
Bridgewater
Aviva

The mortgage lender will want to know if the property is a Freehold terraced house or a Leasehold flat with share of freehold and if the resident is an AST Tenant.

Pitfalls of Home Reversion Schemes

A monthly payment lifetime mortgage can reduce your estate value. A monthly payment lifetime mortgage may impact entitlements to state benefits. You may need to pay a broker’s fee and you could have higher rates to pay with some schemes.

Bridgewater Equity Release
HSBC Equity Release Plans
Aviva Flexible Voluntary Repayment Plan
Canada Life Voluntary Select Gold
More2Life Flexi Choice Drawdown Lite Plan
L&G Legal & General Flexible Max Scheme
More to Life Capital Choice Plan
NatWest Equity Release Schemes
Hodge Indexed Lifetime Mortgage
More 2 Life Capital Choice Plan
Pure Retirement Classic Voluntary Payment Super Lite
Stonehaven Lifetime Mortgage
Lloyds Bank Equity Release Plans
TSB Lifetime Interest Only Mortgage
NatWest Interest Only Lifetime Mortgage
Age Partnership Equity Release Schemes
Bridgewater Equity Release
Hodge Lifetime Flexible Drawdown Plan
Just retirement equity release lifetime mortgages

How much is it common to release from a home

The more elderly you are and the more illnesses you have you are the more cash you can release.

Areas in the UK where retirement mortgages are popular

Charlbury
South Woodham Ferrers
Loftus
Cleethorpes
Leek
Mere
Askern
Warwick
Brampton
Northampton
Tipton
Birchwood
Redhill
Partington
Stamford
Stevenage
St Mawes
Wigan

Small business owners detail likely with equity to release

Agents specialized in the sale of other particular products Chorleywood
Growing of fibre crops Adlington
Distilling, rectifying and blending of spirits Cricklade
Manufacture of condiments and seasonings Hebden Royd
Extraction of natural gas Loughborough
Other urban, suburban or metropolitan passenger land transport not underground, metro or similar Amble
Wholesale of petroleum and petroleum products Stonehouse
Treatment and disposal of non-hazardous waste Rugby
Manufacture of plastics and rubber machinery Ashford
General secondary education Stretford
Renting and leasing of freight air transport equipment Stapleford
Production of meat and poultry meat products Malmesbury
Support services to forestry Craven Arms
Foreign affairs Whitehaven
Non-life insurance Cheadle
Motion picture projection activities Raunds
Tanning and dressing of leather; dressing and dyeing of fur Watlington
Gathering of wild growing non-wood products Liskeard

What percentage can be released?

50% lifetime mortgage with flexible drawdown cash release Maximum cover Equity Release
50% loan to value monthly payment lifetime mortgage Key Solutions
30% loan to value interest-only lifetime mortgages Evolution Money
60% loan to value monthly payment equity release Key Retirement
25% loan to value monthly payment equity release Equifinance
50% LTV monthly payment lifetime mortgage Precise

Legal and General Mortgages

Hodge Lifetime

Legal and General Mortgages

Vernon Building Society Product name: Retirement Mortgage Capital repayment or interest-only? Both available. Vernon also offers an offset retirement mortgage, which allows you to release additional equity and potentially only pay interest on part of it. For example, say you wanted to take £50,000 equity out of your home but only wanted to access £20,000 right away. The remaining £30,000 would be placed into offset savings account until you needed it, and you’d only pay interest on the £20,000 (plus your remaining mortgage balance). The offset account is instant access, meaning you can withdraw the money at any time. Any amount you subsequently withdraw will be added to the sum that you pay interest on.

Find out more about offset mortgages. Minimum property value: £80,000. Minimum/Maximum loan sum: £25,000/£250,000. Maximum LTV: 50%. Minimum/Maximum age at application: 55 Minimum, no max. Minimum income: none, though you’ll need to be able to prove you can afford the interest payments. Mortgage term: Vernon says that these products are most suitable for those who will be aged 85 and over when the mortgage term ends. The Minimumimum term is usually five years and the term can run until you die. Overpayments: all deals allow unlimited overpayments, though some will have ERCs if you pay off more than ten per cent extra per year. How is the loan repaid? Some of Vernon’s mortgages have no early repayment charges, meaning you can pay off the loan in full whenever you want. If necessary, the loan can be repaid through the sale of your property when you die or move into long-term care.