Yorkshire Bank Equity Release | Rates & Criteria (2026)

Remove tax-free cash from your home with Yorkshire Bank Equity Release
You don’t need to make monthly payments
Help your family to buy a home
Stay living in your own house for as long as you like
5.26% fixed

How much cash can I get?

You can achieve 70% of your home’s valuation. For example, if your house is valued at £190000, you can borrow £133000.

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Products similar to Yorkshire Bank Equity Release

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NatWest Equity Release
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Just Retirement Drawdown Lifetime Mortgage
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Nationwide Equity Release Schemes
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Yorkshire Bank Equity Release Schemes
TSB Equity Release Schemes

Equity release rates play a crucial role in the financial decisions of homeowners aged over 55, 60, 65, 70, and 75. Understanding the various equity release options and their associated interest rates is essential for making informed choices that align with individual financial goals and circumstances. Whether opting for lifetime mortgages, retirement remortgages, or pensioner remortgages, homeowners should carefully assess interest rates and seek expert guidance to secure their financial future during retirement.

Does YB do Lifetime Mortgages?

Yes, YB does lifetime mortgages at 5.07% MER. YB Lifetime Mortgages can have a loan-to-value of 65%.

UK Equity Release Scheme Providers

Aviva
Pure Retirement
Key Solutions
Step Change

Does YB do Equity Release Under 55?

Yes, YB Equity Release Under 55 is 5.13% APRC.

Tough-to-finance home variants include properties with land in addition to the domestic grounds up to a maximum property size of five acres, where the land is for everyday domestic use, properties converted from modern commercial premises, 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 with mobile phone masts which are within influencing distance of the house.

Does YB do Retirement Mortgages?

Yes, YB Retirement Mortgages are 2.21% MER.

Difficult-to-mortgage home types include timber-framed properties built before 1920, properties with spray foam insulation on the underside of the roof, properties constructed or converted within the past 10 years, coach houses (i.e., freehold properties with garages beneath), and freehold flats (England, Wales, Northern Ireland).

Does YB offer Pensioner Mortgages?

Yes, YB Pensioner Mortgages are 2.2% MER.

Tough-to-mortgage property variants can include properties built on contaminated land, properties without a kitchen or bathroom, derelict property or where part of the building is in severe disrepair and needs demolishing, Mundic homes, Reema Hollow panel, Schindler and Hawksley SGS, Stent, Stonecrete, Stour, Tarran, Underdown, Unity and Butterley, Waller, Wates, Wessex, Winget and Woolaway.

Does YB offer Equity Release?

Yes, YB Equity Release is 5.19% APR.

Does Yorkshire Bank offer Equity Release?

Yes, Yorkshire Bank Equity Release is 1.93% APR.

Downsides of Yorkshire Bank Equity Release Plans

A monthly payment lifetime mortgage can reduce your family’s inheritance. A lifetime mortgage with flexible drawdown cash release may impact entitlements to benefits. You may need to pay a broker’s fee, and you may have higher rates with some schemes.

Business owners who could benefit from Yorkshire Bank Equity Release tax planning

Seed processing for propagation, Lowestoft
Production of abrasive products in Hornsea
Other manufacturing n e c Widnes
Wholesale of household goods other than musical instruments n e c Spilsby
Agents involved in the sale of timber and building materials, Atherstone
Botanical and zoological gardens and nature reserves Activities Middlewich
Manufacture of beer Kirkby Stephen
Binding and related services Richmond
Retail sale via mail order houses or via Internet, Upton-upon-Severn
Plant propagation Colyton
Fitness facilities Wells-next-the-Sea
Raising of horses and other equines in Hadleigh
Library activities Bury
Manufacture of kitchen furniture in Billingham
Activities of other holding companies n e c Bollington
Scaffold erection Shrewsbury
Retail sale of music and video recordings in specialised stores, Tickhill
Manufacture of women’s underwear, Kirkby-in-Ashfield

It’s common to find people seeking interest-only lifetime mortgages, lump-sum lifetime mortgages, or lifetime mortgages with flexible drawdown cash releases; however, More to Life, like LV Liverpool Victoria, is keen to see evidence of your circumstances, such as bank statements.

One Family Retirement Mortgages

Does Yorkshire Bank offer Pensioner Mortgages?

Yes, Yorkshire Bank Pensioner Mortgages are 2.2% APR.

LV Equity Release

Equity Release Loan To Value YB Equity Release

The older you are and the more illnesses you have, the more tax-free money you can release with YB Equity Release.

Towns of the UK where YB Lifetime Mortgages are popular

Wallasey
Bury St Edmunds
Ludgershall
Oakham
Brigg
Wivenhoe
Thatcham
Honiton
Whitehill
Sutton Coldfield
Clare
Yarmouth
Leigh
Hexham
Castle Cary

Does Yorkshire Bank offer Retirement Mortgages?

Yes, Yorkshire Bank Retirement Mortgages are 2.27% APRC.

YB Equity Release percentages of your current property value

50% interest-only lifetime mortgages. The Exeter Equity Release
55% LTV monthly payment lifetime mortgage The Telegraph
30% loan-to-value lump sum lifetime mortgages Clearly Loans
55% loan-to-value home reversion schemes 1st Stop Home Loans
25% loan-to-value home reversion plans, Manchester Building Society
50% loan to value (LTV), monthly payment equity release Key Retirement
45% loan-to-value (LTV) home reversion plans Vida
55% LTV YB Equity Release

Popular LTV percentages of TSB mortgages for 60-plus, retirement mortgages over 65, Post Office retirement mortgages over 65, Legal and General mortgages for over 70s, Bank of Scotland mortgages for over 50-year-olds and Nationwide Building Society retirement mortgages over 65 are 45%, 55% and 65%.

Popular loan-to-values of Liverpool Victoria retirement interest-only mortgages over 75, More 2 Life mortgages for 60 plus, One Family later life interest only mortgages over 60, Yorkshire Bank later life interest only mortgages over 60, Royal London later life mortgages for over 60s and Sun Life mortgages for people 60 plus are 45%, 60% and 70%.

Some of the most popular LTV ratios of Virgin Money retirement interest only mortgages over 75, Direct Line later life mortgages for over 60s, Churchill over 60 lifetime mortgages, Principality Building Society interest only mortgages for over 70s, Newcastle Building Society interest-only lifetime mortgages for people over 60 and Cumberland Building Society retirement interest only mortgages over 75 are 45%, 60% and 65%.

Hodge Lifetime - Lump Sum Lifetime Mortgage

Hard-to-finance property variants can include homes requiring essential repairs, age-restricted properties, right-to-buy properties in Scotland, leasehold properties (except flats and maisonettes) and properties with single-skin brickwork.

The 1st and 2nd charge lenders will want to know if the property is a Freehold terraced house or a Leasehold flat, and if the resident is an AST Tenant.

Does Yorkshire Bank do Equity Release Under 55?

Yes, Yorkshire Bank Equity Release Under 55 is 2.17% APRC.

Phone numbers and opening hours

As more of our colleagues become personally affected by the coronavirus, we have had to change our call centre opening hours. We’ll keep this page updated as the situation changes, and you can also follow us on social media for regular updates.
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0800 456 1247

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