Release cash from your house
No monthly repayments
Help a family member buy their own home with a smaller mortgage
Continue to live in your own house

Equity release loan to value?

You can get 60% of your property’s valuation. As an example, if your house is valued at £240000 you can release £144000.

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Equity release is common among small business owners like below

Activities of patent and copyright agents; other legal activities n e c Chudleigh
Renting and leasing of trucks and other heavy vehicles Hinckley
Other education n e c Moreton-in-Marsh
Operation of warehousing and storage facilities for water transport activities Halewood
Renting and leasing of media entertainment equipment Ilkley
Support activities for crop production Crook
Other engineering activities Kingsteignton
Archives activities Andover
Post-harvest crop activities Billericay
Wholesale of other machinery and equipment Stony Stratford
Manufacture of bicycles and invalid carriages Highbridge
Other transportation support activities Reigate
Combined office administrative service activities Grantham
Funeral and related activities Hornsea
Retail sale of clothing in specialised stores Keighley
Manufacture of glues Bridport
Activities of venture and development capital companies Solihull
Manufacture of motor vehicles Market Deeping

The 1st and 2nd charge lender will want to know if the property is a Semi detached freehold house or a Leasehold house and if the resident is an Owner Occupier.

Equity Release Loan To Value

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

Tough to finance property titles can include properties with a sinking fund of 7% or more of the property sale price when the property is sold, properties with any kind of structural defect, damp, dry or wet rot, properties with structural problems, asbestos construction and concrete frame.

LV Equity Release

Areas in the UK where retirement mortgages are routine

Poole
Morecambe
Hendon
Hastings
Painswick
Staines-upon-Thames
Wallingford
Bridport
Cricklade
Sandbach
Ellesmere
West Tilbury

Aviva Equity Release Schemes
Bridgewater Equity Release Plans
Just Retirement Equity Release Schemes
More to life Capital Choice Plan
Nationwide Equity Release
HSBC Interest Only Lifetime Mortgage
TSB Equity Release Schemes
Age Partnership Equity Release Schemes
More to Life Tailored Choice Plan
Pure Retirement Equity Release Schemes
NatWest Interest Only Lifetime Mortgage
Royal Bank of Scotland Equity Release Plans
Saga Equity Release Plans
More to life Capital Choice Plan
More 2 Life Capital Choice Plan
Royal Bank of Scotland Equity Release Schemes
Age Partnership Interest Only Lifetime Mortgage
Bridgewater Equity Release
Hodge Lifetime Mortgage Flexible Drawdown Plan
Just Retirement Equity Release
More 2 Life Tailored Choice Plan

Challenging to finance home variants can include grade ll Listed houses (grade C in Scotland and B2 in Northern Ireland), properties with grounds in excess of five acres, properties with more than one annexe or self-contained part of the property, properties with flying or creeping freeholds which comprise over 15% of the total floor area and properties which have been built on a previously contaminated land are acceptable provided the result of an environmental search determines the land to be clear of contamination.

Does Barclays Bank have positive reviews for equity release?

Yes, Barclays Bank reviews are tiptop for equity release.

Equity Release Scheme Lenders

Sunlife Plans
Stonehaven Mortgage
Bower
AIG Life

What are the current Barclays Bank rates for equity release?

Barclays Bank rates for equity release are 2.14% APRC.

Difficult to mortgage home types include properties with post 1945 asbestos or similar composition roof tiles , properties with spray foam insulation applied to the underside of the roof, studio flats located within the M25, privately developed flats in blocks of two storeys without a lift and freehold flats (England, Wales, Northern Ireland).

Does Barclays Bank offer Equity Release?

Yes, Barclays Bank Equity Release is 1.92% APR.

Hard to mortgage property variants include poorly maintained at the time of the valuation inspection, properties where the ownership is set up on a tenancy in common basis, leasehold properties (England, Wales, Northern Ireland) subject to a lease length of 160 years, properties which are made up of multiple titles and properties where the borrower(s) own the freehold with any connected party.

Do Barclays Bank do Pensioner Mortgages?

Yes, Barclays Bank Pensioner Mortgages are 1.87% APRC.

Do Barclays Bank do Retirement Mortgages?

Yes, Barclays Bank Retirement Mortgages are 1.88% MER.

Some of the most popular loan to value percentage ratios of Virgin Money interest only mortgages for people over 70, Direct Line interest only mortgages for over 60s near London, Churchill equity release schemes for over 55’s, Skipton Building Society mortgages for over 65, Newcastle Building Society later life interest only mortgages over 70 and Cumberland Building Society interest only lifetime mortgages for over 70s are 45%, 55% and 70%.

It’s usual to encounter individuals searching for lump sum lifetime mortgages, lumpsum lifetime mortgages or interest-only lifetime mortgages, however, Age Partnership like AA equity release are keen to see evidence of your personal circumstances in the form of pension statements.

Common LTV ratios of Liverpool Victoria interest only mortgages for people over 70, More 2 Life interest only mortgages for people over 60, One Family later life interest only mortgages over 75, Yorkshire Bank lifetime mortgages for over 60s, Royal London help to buy for over 60s and Axa pensioner mortgages over 55 are 50%, 60% and 70%.

Disadvantages of Home Reversion Plans

Monthly payment equity release can reduce the value of your estate. Monthly payment life time mortgage may impact ability to get state benefits. You may need to pay a legal fee and some products expose you to changes in interest rates.

Some of the most popular loan to value percentage ratios of TSB equity release schemes for over 55’s, Barclays later life mortgages for over 60s, Halifax mortgages for people over 50, Legal and General interest only mortgages for people over 60, RBS retirement mortgages over 65 and Nationwide BS interest only mortgages for over 60s are 45%, 60% and 70%.

Does Barclays Bank offer Equity Release Under 55?

Yes, Barclays Bank Equity Release Under 55 is 2.28% MER.

Equity Release LTV Percentages

50% lump sum lifetime mortgages Maximum cover Equity Release
25% loan to value lump sum lifetime mortgages Spring Finance
35% LTV lumpsum lifetime mortgages Blemain
50% LTV monthly payment lifetime mortgage Just Retirement
35% LTV monthly payment life time mortgage Bridgewater
25% LTV lifetime mortgage with flexible drawdown cash release Vida Homeloans

Some of the most common retirement mortgage products include Lloyds Bank mortgages for people over 50, HSBC over 60 lifetime mortgages, Post Office retirement interest only mortgages, L&G later life mortgages and Nationwide BS mortgages for over 50 year olds.

Do Barclays Bank do Lifetime Mortgages?

Yes, Barclays Bank do lifetime mortgages at 1.96% APR. Barclays Bank Lifetime Mortgages can have a loan to value (ltv) of 75%.

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