Hodge Lifetime Fixed Rate Lifetime Mortgage

Hodge Lifetime

  • Remove tax-free cash from your home
  • No need to make monthly payments
  • Use the money to pay off credit cards and loans
  • Still, have some mortgage outstanding? No problems
  • Continue to stay in your home for as long as you like
  • Could be used to help tax planning
  • Your Requirements

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

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Hodge Lifetime - Lump Sum Lifetime Mortgage

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Equity Release percentages of your current property value

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

equity release cost

aged 55

bank holidays

Difficult to mortgage home types can include homes requiring essential repairs, properties where tenants live in a self-contained part of the property, leasehold properties where the lease length is currently unacceptable, properties where the customer is offering only part of the title as security for the loan and properties with single skin brickwork.

Many of the most appealing pensioner loan products include Lloyds Bank mortgages for over 60s, HSBC mortgages for over 60s, Post Office mortgages for 60 plus, L&G interest only lifetime mortgages and Nationwide Building Society equity release schemes.

Hard to finance property variants include eco houses and modern methods of construction, properties with pre 1945 asbestos or similar composition roof tiles, steel frame/clad properties built before 1990, privately developed flats in blocks of five storeys or more and privately developed flats in blocks of three or four storeys without a lift.

Common LTV ratios of Lloyds Bank mortgages for people over 50, HSBC mortgages for over 60s, Post Office mortgages for over 50 year olds, L&G RIO mortgages over 75, Bank of Scotland over 60 mortgages and Nationwide BS interest only mortgages for over 60s near London are 40%, 60% and 70%.

Challenging to mortgage property titles 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 that have solar farms or a large number of wind turbines on the land and properties adversely affected by existing or proposed issues including roads, rail, airports, power plants, power lines/pylons, wind turbines, substations, sewage works, quarries, fuel stations, refuse sites, sports grounds, noise, light or environmental pollution.

Challenging to finance property variants include properties built on contaminated land, high service charges – properties where the Service Charge per annum at the time of application is more than 2% of the property value, property is uninhabitable, corrugated iron construction and concrete panel houses.

Loan to value for equity release?

You can achieve 65% of your home’s value. As an example, if your home is worth £300000 you can get £195000.

equity release product

equity release products

Lloyds Equity Release On Second Homes

Equity Release LTV

  • 55% monthly payment equity release Fortify Insurance Solutions
  • 45% loan to value monthly payment lifetime mortgage Saga
  • 55% loan to value (LTV) home reversion plans Just Retirement
  • 40% loan to value interest-only lifetime mortgages Stonehaven Mortgage
  • 30% loan to value (LTV) interest-only lifetime mortgages Skipton Building Society
  • 30% LTV home reversion schemes Masthaven
  • 45% loan to value monthly payment equity release Pepper
  • 30% loan to value (LTV) home reversion schemes Yorkshire Bank

home reversion schemes


Pitfalls of Lifetime Mortgages

Lump-sum lifetime mortgages can reduce the inheritance for your family. Home reversion schemes 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.

Just Retirement - Roll-Up Lifetime Mortgage

  • More 2 Life Capital Choice Plus Plan
  • Canada Life Voluntary Select Gold Flexi
  • Hodge Lifetime Mortgage Flexible Drawdown Plan
  • HSBC Equity Release
  • TSB Lifetime Mortgage
  • Age Partnership Interest Only Lifetime Mortgage
  • Aviva Flexible Voluntary Repayment Plan
  • Hodge Equity Release Schemes
  • HSBC Equity Release
  • NatWest Lifetime Mortgage
  • Saga home reversion plan
  • More2Life Capital Choice Plus Plan
  • Hodge Lifetime Mortgage Flexible Drawdown Plan
  • L&G Legal & General Flexible Max Scheme
  • Pure Retirement Classic Voluntary Payment Super Lite
  • Stonehaven Equity Release
  • Royal Bank of Scotland Interest Only Lifetime Mortgage
  • Saga Lifetime Mortgage
  • Liverpool Victoria LV Equity Release
  • More to Life Flexi Choice Voluntary Payment Super Lite
  • Stonehaven Equity Release Plan
  • NatWest Interest Only Lifetime Mortgage
  • Royal Bank of Scotland Lifetime Mortgage
  • More 2 Life Flexi Choice Drawdown Lite Plan


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

  • Activities of trade unions Lytchett Minster & Upton
  • Manufacture of steam generators, except central heating hot water boilers Ilkeston
  • Licensed clubs Hadleigh
  • Retail sale of newspapers and stationery in specialised stores Beaminster
  • Manufacture of cleaning and polishing preparations Bourne
  • Manufacture of explosives Longtown
  • Manufacture of cutlery Croydon
  • Satellite telecommunications activities North Walsham
  • Activities of financial services holding companies Amesbury
  • Manufacture of glues Brandon
  • Retail sale of computers, peripheral units and software in specialised stores Ongar
  • Manufacture of other food products n e c Widnes
  • Agents involved in the sale of textiles, clothing, fur, footwear and leather goods Easingwold
  • Butter and cheese production Norton-on-Derwent
  • Specialists medical practice activities Wigan
  • Pre-press and pre-media services Lostwithiel
  • Raising of horses and other equines Dawlish
  • Retail sale of other second-hand goods in stores, not incl antiques Grange-over-Sands
  • Manufacture of non-wovens and articles made from non-wovens, except apparel Tow Law
  • Manufacture of knitted and crocheted hosiery Lechlade
  • Transport via pipeline Ulverston

authorised and regulated

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

Areas of the UK where equity release is routine

  • Wembley
  • Smethwick
  • Middlesbrough
  • Thornbury
  • Orford
  • Thornaby-on-Tees
  • Southwold
  • Hitchin
  • Wallsend
  • South Elmsall
  • Harwich
  • Ludlow
  • Beckenham
  • Bulwell
  • Market Rasen
  • Dartford
  • Hadleigh
  • Richmond
  • Staveley
  • Dawlish


Legal and General Equity Release

More2Life Drawdown Lifetime Mortgages

LV Equity Release

Canada Life Lifetime Mortgages

Its often found to discover people looking for monthly payment equity release, lumpsum lifetime mortgages or monthly payment equity release, however, the Telegraph like LV Liverpool Victoria are keen to see paperwork to show your personal situation in the form of bank statements.

Lloyds Equity Release Plan

equity release equity release

Equity Release Lenders

  • the Telegraph
  • Crown
  • Lifetime Mortgage from L&G
  • Norwich Union