Equity Release Product – Aviva Lifetime Mortgage


  • Release money from your home
  • No monthly repayments
  • Help your family with the money you release
  • Continue to stay in your home
  • Your Requirements

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

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lending criteria
industry body
Money tied up in home
home reversion schemes

It is often found to find individuals seeking out interest-only lifetime mortgages, monthly payment life time mortgage or interest-only lifetime mortgages, however, Just Retirement like Aegon are keen to see evidence of your personal circumstances in the form of pension statements.

Areas where Lifetime Mortgages are common

  • Henley-on-Thames
  • Tadcaster
  • Newhaven
  • Wetherby
  • Broughton-in-Furness
  • Felixstowe
  • Warrington
  • Nuneaton
  • Carlton Colville
  • Eccleshall
  • Ossett
  • Ashby Woulds
  • Padiham
  • Ongar
  • Shanklin
  • Raunds
  • Wimbledon
  • Immingham
  • Oakham
  • Chesham
  • Weston-super-Mare


Successful business owners who could benefit from equity release estate planning

  • Seed processing for propagation Easingwold
  • Freight transport by road Windermere
  • Wholesale of other office machinery and equipment Poynton-with-Worth
  • Raising of other cattle and buffaloes Alton
  • Cold rolling of narrow strip Saxmundham
  • Manufacture of cordage, rope, twine and netting Altrincham
  • Support activities to performing arts Dawley
  • Other retail sale not in stores, stalls or markets Harpenden
  • Manufacture of batteries and accumulators Portland
  • Artistic creation Thorpe St Andrew
  • Manufacture of electric motors, generators and transformers Fordwich
  • Manufacture of electricity distribution and control apparatus Hendon
  • Retail sale of fruit and vegetables in specialised stores Castleford
  • Manufacture of other non-metallic mineral products n e c Hatfield
  • Scaffold erection Andover
  • Manufacture of other electronic and electric wires and cables Burton upon Trent
  • Manufacture of other games and toys, n e c Penryn
  • Retail sale of footwear in specialised stores Stalybridge
  • manufacture of canvas goods, sacks, etc Berkhamsted
  • Public relations and communications activities Southport
  • Hospital activities Pershore

equity release advice

die or move into long term care

Providers for Equity Release

  • Bower
  • Pure Retirement
  • Just Retirement
  • Royal London Equity Release

The mortgage lender will want to know if the property is a Detached freehold house or a Leasehold flat with a share of freehold and if the resident is an Owner Occupier Primary Residence.

Equity Release LTV

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

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Equity Release LTV Percentages

  • 55% monthly payment equity release Fortify Insurance Solutions
  • 35% loan to value home reversion plans Santander
  • 30% loan to value lifetime mortgage with flexible drawdown cash release Prestige Finance
  • 35% loan to value (LTV) interest-only lifetime mortgages 1st Stop Home Loans
  • 30% LTV home reversion schemes Family Building Society
  • 50% loan to value (LTV) lump sum lifetime mortgages Key Retirement
  • 60% LTV monthly payment lifetime mortgage Norton Finance
  • 30% loan to value home reversion schemes Penrith

early repayment

  • Hodge Lifetime Flexible Voluntary Repayment Plan
  • Stonehaven Interest Select Plan
  • HSBC Equity Release Schemes
  • NatWest Lifetime Mortgage
  • Age Partnership Interest Only Lifetime Mortgage
  • Just Retirement Drawdown Lifetime Mortgage
  • Pure Retirement Drawdown Plan
  • Stonehaven Equity Release
  • TSB Equity Release Schemes
  • Nationwide Interest Only Lifetime Mortgage
  • Bridgewater Lifetime Mortgage
  • Canada Life Second Home Voluntary Select Plan
  • Liverpool Victoria LV Equity Release Plans
  • More to Life Flexi Choice Drawdown Lite Plan
  • TSB Lifetime Interest Only Mortgage

authorised and regulated
home reversion plan
Pure Retirement - Classic Super Lite Plan

Difficult to mortgage property variants can include properties in the course of construction or pre-construction, age restricted properties, feuhold/freehold properties (including flats) in Scotland, properties which are made up of multiple titles and properties with leased solar panels.

Popular pensioner loan products are Lloyds Bank mortgages for over 70s, Barclays Bank retirement interest only mortgages, Halifax equity release schemes, L&G later life interest only mortgages over 70 and Nationwide BS mortgages for over 60s.

Difficult to finance home variants can include pre-fabricated reinforced concrete (PRC), properties with spray foam insulation applied to the underside of the roof, large concrete panel systems, privately developed flats in blocks of five storeys or more and basement or lower ground floor flats without level access to private or communal garden space.

Common loan to value ratios of TSB interest only mortgages for people over 70, Barclays Bank equity release schemes for over 55’s, Natwest mortgages for 60 plus pensioners, L&G mortgages for over 70s, Bank of Scotland retirement mortgages over 60 and Nationwide BS remortgages for people over 50 years old are 50%, 60% and 70%.

Challenging to finance property variants include properties with outbuildings used for normal domestic purposes (garage, workshop, stables, barn etc), properties with grounds in excess of five acres, 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.

Challenging to finance home titles can include rentcharges properties with a high estate rentcharge, leasehold properties with a short lease, typically less than 70 years, or a defective lease, properties where there are boundary disputes or where planning applications have not been applied for correctly, timber buildings and concrete panel houses.

How much money can I borrow?

You can get 60% of your property’s valuation. For example, if your home is valued at £220000 you can get £132000.

Just Retirement - Roll-Up Lifetime Mortgage
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aged 55

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Crown Mortgages
Pure Retirement

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Downsides of Equity Release Plans

Lump-sum lifetime mortgages can reduce the inheritance for your family. Monthly payment equity release may impact entitlements to benefits. You may need to pay a broker’s fee and some products expose you to changes in interest rates.

Natwest Retirement Mortgage Reviews

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