Equity Release Pure Retirement- classic lump sum


  • Release cash from your home
  • You don’t need to make regular monthly payments
  • Use the money to keep another family member away from a high LTV mortgage
  • Stay living in your own home
  • Can be used to optimise tax planning
  • Your Requirements

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

  • By clicking Submit and ticking the box above you agree to be contacted by email or telephone by an FCA authorised equity release advisor and confirm that you have read and agreed to our Terms & Conditions and our Privacy Policy

Old money home
home's value
It is common to encounter individuals looking for interest-only lifetime mortgages, lumpsum lifetime mortgages or home reversion schemes, however, Legal and General like AIG Life are keen to see proof of your personal circumstances in the form of pension statements.

Providers for UK Equity Release

  • Age Partnership
  • Crown
  • Just Retirement
  • Step Change
  • The Exeter Equity Release

amount you owe

equity release schemes

home reversion schemes

Equity Release Loan To Value

  • 55% home reversion plans Royal London Equity Release
  • 50% loan to value lumpsum lifetime mortgages Age Concern
  • 60% LTV interest-only lifetime mortgages Paragon Personal Finance
  • 40% loan to value (LTV) lumpsum lifetime mortgages Pepper
  • 25% loan to value (LTV) lifetime mortgage with flexible drawdown cash release Vernon Building Society
  • 55% LTV lifetime mortgage with flexible drawdown cash release Key Retirement
  • 35% loan to value interest-only lifetime mortgages Bridgewater
  • 30% loan to value lumpsum lifetime mortgages Clearly Loans
  • 50% loan to value (LTV) lump sum lifetime mortgages Together Money
  • 25% LTV monthly payment lifetime mortgage Holmesdale Building Society
  • 25% loan to value monthly payment equity release Masthaven
  • 30% loan to value lumpsum lifetime mortgages Fleet Mortgages

Santander Equity Release From Property

company number

equity release equity release

Towns where retirement mortgages are routine

  • Preesall
  • Walthamstow
  • Flitwick
  • Radstock
  • Highworth
  • Crediton
  • Callington
  • Gorleston-on-Sea
  • Edmonton
  • Ashby-de-la-Zouch
  • Biddulph
  • Middleton


Retired small business owners that may be interested in Home Reversion Schemes

  • Technical testing and analysis Lowestoft
  • Manufacture of prepared meals and dishes Hounslow
  • Security systems service activities Bolton
  • Cargo handling for air transport activities Northam
  • Banks Midhurst
  • Activities of investment trust Berkeley
  • Wholesale of mining, construction and civil engineering machinery Ramsgate
  • Manufacture of basic pharmaceutical products Higham Ferrers
  • Manufacture of sugar confectionery Otley
  • Construction of commercial buildings Newton-le-Willows
  • Raising of poultry Penryn
  • Support services to forestry Bognor Regis
  • Manufacture of assembled parquet floors Fordbridge
  • Buying and selling of own real estate Frome
  • Renting and operating of Housing Association real estate Eye
  • Dispensing chemist in specialised stores Wem
  • Manufacture of steel drums and similar containers Burslem
  • Sewerage Dewsbury
  • Other processing and preserving of fruit and vegetables Bradford-on-Avon
  • Manufacture of electronic industrial process control equipment Bollington
  • Demolition Stapleford

equity release product

Hodge Lifetime Lifetime Mortgages

Just Retirement Mortgages

One Family

The lender will want to know if the property is a Detached freehold house or a Leasehold house and if the resident is an Owner Occupier.

equity release advice

make monthly payments

Disadvantages of Interest Only Lifetime Mortgages

A monthly payment lifetime mortgage can reduce the value of your estate. Monthly payment lifetime mortgage may impact entitlements to benefits. You may need to pay a legal fee and you could have higher rates to pay with some schemes.


channel islands

  • Aviva Lifetime Mortgages
  • Bridgewater Equity Release Plans
  • Canada Life Interest Select Gold Flexi
  • Just Retirement Equity Release Plans
  • TSB Lifetime Mortgage
  • Canada Life Second Home Voluntary Select Plan
  • Lloyds Bank Equity Release Plans
  • Canada Life Voluntary Select Gold Flexi
  • More 2 Life Flexi Choice Drawdown Lite Plan
  • Stonehaven Interest Select Plan
  • HSBC Equity Release
  • NatWest Lifetime Mortgage
  • Saga Equity Release Schemes
  • Liverpool Victoria LV= Flexible Lifetime Mortgage
  • Stonehaven Lifetime Mortgage
  • Lloyds Bank Lifetime Mortgage
  • TSB Lifetime Interest Only Mortgage
  • Royal Bank of Scotland Equity Release Plans


Equity Release LTV Percentages

The older you are and the sicker you are the more money you can release.

early repayment

die or move into long term care
equity release council

Hard to finance property types include properties currently undergoing substantial alterations, extensions or repairs, properties where multiple third parties are living in an annexe, leasehold properties where the lease length is currently unacceptable, commonhold properties and properties where the borrower(s) own the freehold with any connected party.

Many of the most appealing pensioner mortgage products are Lloyds mortgages for 60 year olds, HSBC mortgages over 65, Natwest mortgages for over 60s, Legal & General later life interest only mortgages over 60 and Nationwide Building Society mortgages for over 70s.

Difficult to mortgage property variants can include Timber-framed properties constructed post-1965, properties with any external treatment applied to the roof after construction, large concrete panel systems, studio flats outside the M25 and privately developed flats in blocks of three or four storeys without a lift.

Common LTV percentages of Lloyds Bank remortgages for people over 50 years old, HSBC mortgages for people 60 plus, Halifax lifetime mortgages for over 60s, Legal & General mortgages for over 70s, Bank of Scotland equity release schemes for over 55’s and Nationwide Building Society interest only mortgages for over 60s near London are 40%, 55% and 65%.

Challenging to finance home variants include properties with outbuildings used for normal domestic purposes (garage, workshop, stables, barn etc), properties with room(s) or outbuilding(s) used for a small amount of personal commercial use, properties with a small number of solar panels or a wind turbine on the land for domestic use, properties with flying or creeping freeholds which comprise over 15% of the total floor area and properties adversely affected by existing or proposed issues including roads, rail, airports, power plants, power lines/pylons, wind turbines, sub stations, sewage works, quarries, fuel stations, refuse sites, sports grounds, noise, light or environmental pollution.

Challenging to finance home variants can include rentcharges properties with a high estate rentcharge, leasehold properties with a short lease, typically less than 70 years, or a defective lease, property is uninhabitable, mundic homes and properties that has never been registered with the land registry.

How much can I get?

You can release 60% of your property’s value. As an example, if your home is valued at £340000 you can release £204000.

amount you can borrow
aged 55
financial services
authorised and regulated

Located in: Paradigm
Address: 3175 Century Way, Leeds LS15 8ZB
Hours: Closed ⋅ Opens 9 AM Mon
Phone: 0113 366 0599