Hodge Lifetime Equity Release scheme

Hodge Lifetime

  • Remove tax-free money from your home
  • No monthly payments
  • Use the money to pay off credit cards and loans
  • Stay living in your own house for as long as you like
  • 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

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Equity Release Providers

  • Key Retirement
  • One Family
  • Age Concern

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Difficult to finance property variants include properties in the course of construction or pre-construction, properties where letting arrangement where the tenancy agreement is not appropriate, leasehold properties (England, Wales, Northern Ireland) subject to a lease length of 160 years, commonhold properties and properties owned under any form of shared equity scheme.

Many of the most appealing retirement mortgage products are Lloyds mortgages for over 60s, Barclays mortgages for 60 plus pensioners, Natwest mortgages for 60 plus, Legal and General over 60 lifetime mortgages and Nationwide Building Society retirement mortgages.

Difficult to finance home types can include Timber-framed properties constructed post-1965, properties with pre 1945 asbestos or similar composition roof tiles, steel frame/clad properties built before 1990, coach houses i.e. freehold properties with garages beneath and freehold flats (England, Wales, Northern Ireland).

Some of the most popular LTV percentages of Lloyds over 60 mortgages, HSBC lifetime mortgages for over 60s, Natwest retirement mortgages over 60, L&G retirement interest only mortgages over 75, RBS mortgages over 70s and Nationwide Building Society interest only mortgages for over 70s are 40%, 55% and 70%.

Tough to finance home variants include properties built or converted into dwellings more than 10 years ago, properties with room(s) or outbuilding(s) used for a small amount of personal commercial use, grades l and ll* Listed Buildings in England & Wales (Grades A and B in Scotland; A, B+ and B1 in Northern Ireland), properties that are being used for personal commercial use 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.

Tough to finance property variants include properties with legal agreements such as Overage, Clawback, Option, Pre-emption, or any onerous Restrictive Covenant, ground rent where the lease or any deed varying the lease provides for a ground rent exceeding, or where the escalating provisions would result in the ground rent exceeding £250 per annum (or £1000 per annum where the property is in Greater London), properties with structural problems, corrugated iron construction and properties that has never been registered with the land registry.

Loan to value for equity release?

You can borrow 70% of your home’s valuation. For example, if your house is worth £180000 you can borrow £126000.

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Natwest Lifetime Mortgage Reviews

Pure Retirement - Classic Super Lite Plan

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Towns where equity release is common

  • Westhoughton
  • Halstead
  • Blackpool
  • Stocksbridge
  • Nantwich
  • Bampton
  • Ashbourne
  • Northallerton
  • Carterton
  • Lostwithiel
  • Hatfield
  • Guildford
  • Dovercourt
  • Stretford
  • South Cave
  • Thorne
  • Ealing
  • Ringwood
  • West Bromwich
  • Sheringham
  • North Hykeham
  • Medlar-with-Wesham

 

  • Liverpool Victoria LV Equity Release Schemes
  • HSBC Lifetime Mortgage
  • Aviva Lifetime Mortgages for Pensioners
  • More2Life Flexi Choice Voluntary Payment Super Lite
  • Just Retirement Equity Release Plans
  • L&G Legal & General Flexible Max Scheme
  • More to Life Flexi Choice Drawdown Lite Plan
  • Lloyds Bank Equity Release Plans
  • TSB Equity Release Plans
  • NatWest Equity Release Plans
  • Aviva Equity Release Plans
  • Bridgewater Equity Release Plans
  • HSBC Equity Release Schemes
  • More to Life Flexi Choice Voluntary Payment Super Lite
  • Lloyds Bank Lifetime Mortgage
  • Royal Bank of Scotland Equity Release
  • Age Partnership Equity Release Plans
  • Just Retirement Drawdown Lifetime Mortgage
  • L&G Legal & General Flexible Max Scheme
  • More 2 Life Capital Choice Plan

aged 55

Equity Release LTV Percentages

  • 60% interest-only lifetime mortgages Zurich
  • 50% LTV monthly payment lifetime mortgage Lifetime Mortgage from L&G
  • 45% LTV lump sum lifetime mortgages Pepper
  • 30% LTV home reversion schemes Coventry Building Society-Godiva
  • 45% loan to value monthly payment equity release United Trust Bank
  • 30% loan to value home reversion plans The Mortgage Lender

It is very regular to discover people looking for monthly payment lifetime mortgage, lumpsum lifetime mortgages or lifetime mortgage with flexible drawdown cash release, however, Legal and General like Old Mutual Wealth are keen to see paperwork to show your situation in the form of investment statements.

Equity Release percentages of your current property value

The more aged you are and the sicker you are the more tax-free money you can release.

cash lump sum

Natwest Lifetime Mortgage Fixed Rate

Hodge Lifetime Lifetime Mortgages

More2Life Drawdown Lifetime Mortgages

Just Lifetime Mortgages

LV Retirement Mortgages

Crown Equity Release

Hodge Lifetime Mortgages

home reversion schemes

home reversion plans

equity release schemes

Downsides of Interest Only Lifetime Mortgages

A monthly payment lifetime mortgage can reduce the inheritance for your family. A monthly payment lifetime mortgage may impact the ability to get state benefits. You may need to pay a valuation fee and some products expose you to changes in interest rates.

Successful business owners who could benefit from equity release tax planning

  • Wired telecommunications activities Rowley Regis
  • Publishing of learned journals Ponteland
  • Landscape service activities Beaconsfield
  • Manufacture of other furniture Batley
  • Gambling and betting activities Lostwithiel
  • Glazing Harlow
  • Manufacture of cordage, rope, twine and netting Hailsham
  • Retail sale of games and toys in specialised stores Porthleven
  • Growing of rice Bolsover
  • Tea processing High Wycombe
  • Retail sale of antiques including antique books in stores Hounslow
  • Manufacture of other articles of concrete, plaster and cement Eastleigh
  • Manufacture of steam generators, except central heating hot water boilers Filey
  • Freshwater aquaculture Malton
  • Extraction of natural gas Leigh-on-Sea
  • Retail sale of music and video recordings in specialised stores Accrington
  • Wholesale of sugar and chocolate and sugar confectionery Hornsey
  • Wholesale of pharmaceutical goods Raunds
  • Sound recording and music publishing activities Ilfracombe
  • Manufacture of industrial gases Smethwick
  • Manufacture of metal structures and parts of structures Coleford

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