Aviva Flexi Lifetime Mortgage


  • Release equity from your house with Aviva Flexi Lifetime Mortgage
  • No regular monthly repayments unless you just want to pay interest each month
  • Use the money to keep another family member away from a high LTV mortgage
  • Are you still paying a mortgage? That’s fine we can help
  • Stay living in your own property for as long as you like
  • Your Requirements

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

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Under 65 Home owner
lump sum payment
equity release lifetime

Business owners who could benefit from equity release estate planning

  • Repair of watches, clocks and jewellery Somerton
  • Inland passenger water transport Chard
  • Butter and cheese production Falmouth
  • Wholesale of mining, construction and civil engineering machinery Whitby
  • Manufacture of optical precision instruments Spilsby
  • Wholesale of other office machinery and equipment Neston
  • Other urban, suburban or metropolitan passenger land transport not underground, metro or similar Leominster
  • Treatment and disposal of hazardous waste Midsomer Norton
  • Manufacture of veneer sheets and wood-based panels Keighley
  • Activities of patent and copyright agents; other legal activities n e c Farnham
  • Management of real estate on a fee or contract basis Brandon
  • Sports and recreation education Irthlingborough
  • Cold rolling of narrow strip South Kirkby and Moorthorpe
  • Other treatment of petroleum products excluding petrochemicals manufacture Wincanton
  • Manufacture of plaster products for construction purposes Kidsgrove
  • Manufacture of coke oven products Broadstairs and St Peters
  • Other retail sale not in stores, stalls or markets Poole
  • Manufacture of plastic plates, sheets, tubes and profiles Leyburn
  • Development of building projects Lowestoft
  • Manufacture of other organic basic chemicals Mansfield
  • Silviculture and other forestry activities Norton-on-Derwent

die or move into long term care

Natwest Lifetime Mortgage Maximum Ltv

Downsides of Home Reversion Plans

Lump-sum lifetime mortgages can reduce the inheritance for your family. A monthly payment lifetime mortgage may impact the ability to claim entitlements. You may need to pay a legal fee and you could have higher rates to pay with some schemes.

equity release schemes

authorised and regulated

The mortgage lender will want to know if the property is a Semi detached freehold house or a Leasehold flat with a share of freehold and if the resident is an Assured shorthold tenancy tenant.

Aviva Lifetime Mortgages

Crown Drawdown Lifetime Mortgages

Legal and General Lifetime Mortgages

Hard to mortgage home types can include homes requiring essential repairs, entirely tenanted properties, feuhold/freehold properties (including flats) in Scotland, properties which are made up of multiple titles and properties where the borrower(s) own the freehold with any connected party.

Common retirement loan offerings include Lloyds interest only mortgages for people over 70, Barclays Bank mortgages for 60 plus, Halifax equity release schemes, L&G later life interest only mortgages and Nationwide BS pensioner mortgages.

Hard to mortgage property variants include Timber-framed properties constructed post-1965, properties with pre 1945 asbestos or similar composition roof tiles, privately developed flats, maximum four storeys with a lift, former local authority flats and basement or lower ground floor flats without level access to private or communal garden space.

Some of the most common loan to values of Lloyds pensioner mortgages over 70s, HSBC interest only mortgages for people over 60, Halifax mortgages over 65, L&G retirement mortgages over 60, RBS mortgages for people over 50 and Nationwide mortgages for 60 year olds are 35%, 55% and 70%.

Tough to finance home variants can include properties with land in addition to the domestic grounds up to a maximum property size of five acres, where the land is for normal domestic use, properties with a large number/scale of outbuildings, agricultural use of the land and any outbuildings, properties where there is a self-contained part of the property or annexe, i.e. basement flat etc and properties with mobile phone masts which are within influencing distance of the house.

Challenging to mortgage property titles include rentcharges properties with a high estate rentcharge, properties with any kind of structural defect, damp, dry or wet rot, derelict property or where part of the building is in severe disrepair and needs demolishing, thatched buildings and concrete panel houses.

How much money can I release?

You can borrow 65% of your home’s value. For example, if your home is worth £240000 you can get £156000.


Pure Retirement Mortgages

It’s usual to find individuals looking for a monthly payment lifetime mortgage, lump sum lifetime mortgages or home reversion schemes, however, Age Concern like Aegon are keen to see evidence of your personal circumstances in the form of investment statements.

home reversion plan

UK Providers for Equity Release

  • Age Concern
  • LV lifetime mortgage
  • Legal and General

amount you can borrow

isle of man

Equity Release Loan To Value

The older you are and the more serious your illnesses you are the more tax-free money you can release.

  • Bridgewater Equity Release Schemes
  • Just retirement equity release lifetime mortgages
  • More to Life Capital Choice Plus Plan
  • Pure Retirement Classic Drawdown Lite Plan
  • Royal Bank of Scotland Equity Release Schemes
  • Age Partnership Equity Release Plans
  • More 2 Life Tailored Choice Plan
  • Pure Retirement Equity Release Schemes
  • Stonehaven Interest Select Plan
  • Just Retirement Equity Release Schemes
  • More2Life Flexi Choice Drawdown Lite Plan
  • More to Life Capital Choice Plus Plan
  • Nationwide Equity Release Schemes
  • Lloyds Bank Lifetime Mortgage
  • Royal Bank of Scotland Equity Release
  • Saga Lifetime Mortgage
  • More 2 Life Capital Choice Plan


company number
Benefits of Using a Retirement Mortgage Broker

Natwest Lifetime Mortgage Buy To Let

Towns where retirement mortgages are popular

  • Stretford
  • Beaminster
  • Coleford
  • Thaxted
  • Heanor and Loscoe
  • Olney
  • Kettering
  • Chulmleigh
  • Southend-on-Sea

form of equity release
arrangement fees
equity release products
financial ombudsman service
LV= Lump Sum+ Lifetime Mortgage
equity release cost

early repayment

home reversion plans

How much is it common to release from a home

  • 60% lump sum lifetime mortgages Aegon
  • 50% loan to value monthly payment lifetime mortgage Age Concern
  • 40% LTV monthly payment equity release Pure Retirement
  • 30% LTV lumpsum lifetime mortgages Evolution Money
  • 30% loan to value home reversion schemes Axis Bank
  • 60% LTV monthly payment lifetime mortgage Age Concern
  • 40% loan to value interest-only lifetime mortgages New Life
  • 25% LTV monthly payment lifetime mortgage Equifinance
  • 55% loan to value interest-only lifetime mortgages Equifinance
  • 25% loan to value (LTV) monthly payment equity release Santander
  • 30% LTV home reversion schemes Yorkshire Building Society

Just Retirement - Roll-Up Lifetime Mortgage