Canada Life Interest Select Gold Flexi Equity Release


  • Release tax-free equity from your home
  • Not necessary to make regular monthly payments
  • Use the money to keep another family member away from a high loan to value mortgage
  • Are you still paying a mortgage? We can help with that
  • Stay living in your own home
  • 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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HSBC Retirement Mortgage Rates 2022

LV= Lump Sum+ Lifetime Mortgage

Hodge Lifetime - Lump Sum Lifetime Mortgage

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HSBC Retirement Mortgage Interest Rate

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Equity Release LTV Percentages

The more aged you are and the more serious your illnesses you are the more tax free cash you can release.

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Hard to mortgage home variants can include properties currently undergoing substantial alterations, extensions or repairs, age restricted properties, leasehold properties where the lease length is currently unacceptable, commonhold properties and properties where the borrower(s) own the freehold with any connected party.

Appealing retirement finance offerings include Lloyds retirement mortgages, HSBC interest only mortgages for people over 60, Halifax lifetime mortgages, Legal and General interest only mortgages for people over 70 and Nationwide interest only mortgages for over 65 year olds.

Hard to mortgage property types include timber framed properties built before 1920, properties with any external treatment applied to the roof after construction, 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 LTV ratios of Lloyds retirement mortgagesover 65, Barclays equity release schemes for over 55’s, Post Office mortgages for people over 50, Legal and General retirement mortgages over 60, Bank of Scotland mortgages over 70s and Nationwide Building Society RIO mortgages over 75 are 45%, 55% and 70%.

Challenging to finance property variants include properties built or converted into dwellings within the last 10 years , properties with flying or creeping freehold which comprises 15% or less of the total floor area, 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 in coastal areas that may be affected by erosion.

Tough to mortgage home titles include properties will be assessed for flood risk, properties close to mining works, areas of landfill, areas of recent flooding or subsidence, property is uninhabitable, asbestos construction and concrete panel houses.

How much money can I get?

You can achieve 60% of your property’s valuation. As an example, if your home is worth £220000 you can release £132000.

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Equity Release LTV

  • 60% lump sum lifetime mortgages Aegon
  • 25% LTV monthly payment lifetime mortgage 1st Stop
  • 60% loan to value home reversion plans Key Retirement
  • 45% loan to value monthly payment life time mortgage Santander
  • 25% loan to value lifetime mortgage with flexible drawdown cash release Evolution Money
  • 40% loan to value home reversion schemes Foundation Home Loans
  • 30% loan to value lifetime mortgage with flexible drawdown cash release Progressive Building Society


Towns of the UK where Lifetime Mortgages are routine

  • Barking
  • Chatham
  • Chesham
  • Battle
  • Beaconsfield
  • Bedford
  • Whitehaven
  • Partington
  • Kidsgrove
  • Southborough
  • Chippenham
  • Looe
  • Maidstone

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Canada Life Lifetime Mortgages

Crown Equity Release

Pure Retirement Drawdown Lifetime Mortgages

LV Lifetime Mortgages

Its often found to find people seeking out lumpsum lifetime mortgages, lumpsum lifetime mortgages or home reversion schemes, however, Bower like Legal & General are keen to see evidence of your personal situation in the form of pension statements.

Drawbacks of Equity Release Plans

Lumpsum lifetime mortgages can reduce the inheritance for your family. Monthly payment life time mortgage may impact ability to claim benefits. You may need to pay a broker’s fee and you could have higher rates to pay with some schemes.

  • Bridgewater Equity Release
  • HSBC Interest Only Lifetime Mortgage
  • TSB Equity Release
  • More to Life Flexi Choice Voluntary Payment Super Lite
  • More2Life Tailored Choice Plan
  • Just Retirement Equity Release Schemes
  • Liverpool Victoria LV Equity Release Plans
  • Nationwide Interest Only Lifetime Mortgage
  • Age Partnership Equity Release
  • Hodge Equity Release Plans
  • L&G Legal & General Flexible Max Scheme
  • Liverpool Victoria LV= Lump Sum Plus Lifetime Mortgage
  • Nationwide Equity Release
  • More to Life Flexi Choice Voluntary Payment Super Lite
  • Lloyds Bank Lifetime Mortgage
  • TSB Equity Release
  • Age Partnership Equity Release
  • Aviva Equity Release Schemes
  • Hodge Lifetime Flexible Drawdown Plan
  • Stonehaven Equity Release Scheme
  • Lloyds Bank Equity Release Plans
  • NatWest Lifetime Mortgage
  • Age Partnership Equity Release Schemes



Equity Release UK Providers

  • Key Retirement
  • Pure Retirement
  • Legal and General

The 1st and 2nd charge lender will want to know if the property is a Freehold house or a Leasehold house and if the resident is an AST Tenant.

  • Recovery of sorted materials St Mawes
  • Manufacture of sugar Hayle
  • Manufacture of sugar confectionery Shipston-on-Stour
  • Other processing and preserving of fruit and vegetables Kirkham
  • Manufacture of engines and turbines, except aircraft, vehicle and cycle engines Slough
  • Manufacture of dyes and pigments St Just-in-Penwith
  • Sound recording and music publishing activities Jarrow
  • Other social work activities without accommodation n e c Helston
  • Manufacture of ceramic sanitary fixtures Buxton
  • Manufacture of non-wovens and articles made from non-wovens, except apparel Lostwithiel
  • Growing of rice Syston
  • Raising of swine pigs Wellington
  • Manufacture of bread; manufacture of fresh pastry goods and cakes Market Rasen
  • Wholesale of textiles Denholme
  • Manufacture of machinery for paper and paperboard production Burford
  • Manufacture of fasteners and screw machine products Huntingdon
  • Retail sale of hardware, paints and glass in specialised stores Brentford
  • Manufacture of ovens, furnaces and furnace burners Watford
  • Manufacture of luggage, handbags and the like, saddlery and harness Brading
  • Activities of open-ended investment companies Brough
  • Pre-press and pre-media services Dereham

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