More to Life Lifetime Mortgage Flexi Choice Lite

more to life

  • Release tax-free cash from your house
  • No monthly payments
  • Help your family to buy house
  • Continue to stay in your property
  • Often used to help tax planning
  • Your Requirements

  • Please enter a number from 9000 to 20000000.
  • About You

  • Please enter a number from 25 to 90.
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Money tied up in home
Money tied up in home
Homeowner in their 60s

Equity Release Loan To Value

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

Equity Release LTV

  • 60% interest-only lifetime mortgages Fortify Insurance Solutions
  • 55% loan to value monthly payment lifetime mortgage Key Solutions
  • 25% loan to value lump sum lifetime mortgages Prestige Finance
  • 55% loan to value home reversion plans Equifinance
  • 25% loan to value monthly payment life time mortgage Barclays
  • 25% loan to value lifetime mortgage with flexible drawdown cash release Yorkshire Building Society

Hodge Lifetime Equity Release

LV Mortgages

financial services

amount you owe

  • Aviva Equity Release Schemes
  • L&G Legal & General Flexi Max Voluntary Repayment Plan
  • Liverpool Victoria LV= Lump Sum Plus Lifetime Mortgage
  • More to Life Tailored Choice Plan
  • Bridgewater Equity Release Plans
  • More2Life Capital Choice Plan
  • Just Retirement Equity Release
  • Pure Retirement Equity Release Schemes
  • More 2 Life Flexi Choice Voluntary Payment Super Lite
  • Royal Bank of Scotland Equity Release
  • Aviva Equity Release Schemes
  • Hodge Lifetime Mortgage Flexible Drawdown Plan
  • Stonehaven Interest Select Plan
  • Lloyds Bank Equity Release
  • Saga Equity Release Schemes
  • Bridgewater Lifetime Mortgage
  • Canada Life Voluntary Select Gold
  • L&G Legal & General Flexible Max Plus
  • Nationwide Equity Release Plans

The mortgage 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 AST Tenant.

It’s very regular to find people looking for interest-only lifetime mortgages, monthly payment life time mortgage or home reversion plans, however, Age Concern like AA equity release are keen to see paperwork to show your personal circumstances in the form of investment statements.

equity release advice

equity release equity release

Equity Release Scheme Providers

  • Just Retirement
  • Norwich Union
  • Age Partnership
  • Aegon

channel islands

home reversion plans

equity release advice

home improvements
home reversion schemes
financial ombudsman service
company number
financial advisers
amount you can borrow

authorised and regulated

Santander Equity Release Plan

Santander Equity Release

home reversion plan

equity release product

Disadvantages of Home Reversion Plans and Mortgage Flexi Choice Lite More to Life

A monthly payment lifetime mortgage can reduce the inheritance for your family with Mortgage Flexi Choice Lite. Monthly payment lifetime mortgage 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.


Equity release is common among business owners like below

  • Other social work activities without accommodation n e c Wigan
  • Activities of construction holding companies Wellington
  • Manufacture of macaroni, noodles, couscous and similar farinaceous products Crowle
  • Manufacture of non-electronic industrial process control equipment Haverhill
  • Buying and selling of own real estate Radstock
  • Growing of fibre crops Medlar-with-Wesham
  • Extraction of peat Southam
  • Manufacture of ceramic insulators and insulating fittings Weston-super-Mare
  • Floor and wall covering Ponteland
  • Manufacture of bricks, tiles and construction products, in baked clay Chorleywood
  • Photocopying, document preparation and other specialised office support activities Leatherhead
  • Growing of rice Withernsea
  • Other engineering activities Kington
  • Retail sale of audio and video equipment in specialised stores Darley Dale
  • Shaping and processing of flat glass Coulsdon
  • Extraction of natural gas Redruth
  • Wired telecommunications activities Hounslow
  • Physical well-being activities Rochester
  • Wholesale of radio, television goods & electrical household appliances other than records, tapes, CD’s & videotapes and the equipment used for playing them Leigh-on-Sea
  • Activities of investment trusts Shepshed
  • Business and domestic software development Kirkbymoorside

Benefits of a Lifetime Mortgage

A lifelong mortgage is a loan which allows you to free tax-free real estate equity in your home when you reach the age of 55. This loan is an excellent way to help fund your retirement and the property equity in your home will help you stay independent and continue making payments on the loan until you no longer have to rely on your income.

There are many types of lifetime mortgages available from two of the most prominent banks in America, the Royal Bank of Canada (RY) and the Royal Bank of New Zealand (RYNZ). The two institutions are very different in their requirements for approval as well as their interest rates and payment options. There is also a special type of loan, which is called a “qualified” mortgage, which is not dependent upon your age or your marital status and is available for seniors with poor credit.

Life cycle loans can be a valuable tool for you to take advantage of your retirement years. However, you should understand that the loans are not “locked-in” once you reach the age of 55. Your ability to pay back the loan depends upon your financial situation and your personal finances. It may be possible that you may need to obtain a second loan if your initial loan has not been fully paid off.

You should carefully review all aspects of the life cycle loans and the terms and conditions set out by both the bank and the lending institution before you sign on the dotted line. If you find that the amount of the loan, the interest rate, the monthly payments, the terms and the amount of time to repay the loan are favourable to you, then you may want to consider applying for a life cycle mortgage.

If you have a poor credit history and if you have fallen behind in your mortgage payments in the past, you may be able to benefit from a life cycle mortgage by offering an asset as collateral with a fixed rate and monthly payments. By paying the balance of your loan over a period of time, you can gradually build up your equity and become debt-free, with a substantially lower payment every month. The key to getting this type of mortgage is to offer collateral, which can include something valuable, such as a house or piece of real estate, so that your interest rates will be substantially lower than the rates charged by most mortgage lenders.

It is important to remember that although these loans are similar to traditional loans, they are secured and there is no need to produce credit documentation to receive them. Many of the same requirements, like employment, income information, are required, but the lender will never ask you to provide any form of financial documentation that may affect your ability to pay back the loan. Even if you do have bad credit, life cycle mortgages are available to you regardless of your credit history.

There is no credit check and the lender does not have to verify your income or employment. These loans are considered secured loans, meaning that the risk is yours and your ability to pay it back is based on your ability to use the loan. They are an ideal way to secure the future of your family and your retirement funds.

In addition to providing you with the flexibility and freedom to use the funds you create, a life cycle mortgage provides an excellent opportunity to grow your own wealth and avoid the stress of paying high interest rates on loans. The repayments are not tied to any particular time frame, so you can make the payments as often or infrequently as you choose.

Areas of the UK where equity release is common

  • Andover
  • Leek
  • Spilsby
  • Braintree
  • Barnstaple
  • Newbiggin-by-the-Sea
  • Moreton-in-Marsh
  • Framlingham
  • Cromer
  • Colyton
  • Midsomer Norton
  • Sutton Coldfield
  • Brentford
  • Chatteris
  • Ashby-de-la-Zouch
  • Marazion
  • Kendal
  • Reigate
  • Hatfield
  • Alston



Phone: 03454 500 151