Legal and General Flexible Orange Lifetime Mortgage

L and G Equity Release

  • Release equity from your house with L and G Equity Release
  • No regular monthly payments
  • Help your family to buy another home
  • 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

main residence
Money tied up in home
Home equity Tied Up
Old money home
main residence
equity release is right for you

Disadvantages of L and G Equity Release Plans

A lifetime mortgage with flexible drawdown cash release can reduce the value of your estate. Home reversion plans may impact entitlements to state benefits. You may need to pay a valuation fee and you could be exposed to changes in interest rates with some products.

Areas where equity release is common

  • Fowey
  • Shrewsbury
  • Wimborne Minster
  • Berwick-upon-Tweed
  • Bradford-on-Avon
  • Ware
  • Market Harborough
  • Ashford
  • Silsden
  • Nuneaton
  • Rothbury
  • Stretford
  • Lymington
  • Acle
  • Chudleigh

Natwest Equity Release

Legal and General Retirement Mortgages

Pure Retirement Retirement Mortgages


Equity Release Scheme Lenders like L and G Equity Release

  • Bower
  • Liverpool Victoria
  • Age Concern
  • Stonehaven Mortgage


Equity Release LTV Percentages

The more elderly you are and the sicker you are the more money you can release. L and G Equity Release can be very low cost.

The lender will want to know if the property is a Freehold house or a Leasehold flat and if the resident is a Private Tenant. L and G Equity Release is among some of the lowest rate products available.

amount you can borrow
form of equity release

Difficult to finance property variants can include poorly maintained at the time of the valuation inspection, properties where multiple third parties are living in an annexe, leasehold properties where the lease length is currently unacceptable, crofted houses and freehold flats (England, Wales, Northern Ireland).

Many of the most appealing retirement finance offerings include TSB equity release plans, Barclays Bank interest only retirement mortgages for over 70s, Halifax mortgages for pensioners, Legal & General pensioner mortgages and Nationwide Building Society mortgages for 60 year olds.

Difficult to finance property variants include timber framed properties built before 1920, properties with spray foam insulation applied to the underside of the roof, steel frame/clad properties built before 1990, former local authority flats and basement or lower ground floor flats without level access to private or communal garden space.

Common loan to value percentage ratios of Lloyds later life mortgages for over 70s, HSBC mortgages for over 70s, Natwest lifetime mortgages for over 55s, L&G help to buy for over 60s, RBS mortgages for over 50 year olds and Nationwide BS equity release schemes for over 55’s are 50%, 60% and 65%.

Tough to finance home titles can include grade ll Listed houses (grade C in Scotland and B2 in Northern Ireland), properties converted from modern commercial premises, properties with more than one annexe or self-contained part of the property, properties that have solar farms or a large number of wind turbines on the land and properties that have a private water supply provided a contract is in place with an approved maintenance company for regular testing and maintenance.

Challenging to finance home variants can include properties with a sinking fund of 7% or more of the property sale price when the property is sold, 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, cob property and concrete frame.

How much cash can I borrow?

You can achieve 70% of your property’s value. For example, if your house is worth £320000 you can release £224000.

financial advice
interest rates
equity release schemes
home improvements

  • More 2 Life Flexi Choice Voluntary Payment Super Lite
  • Canada Life Lifestyle Gold Flexi
  • Liverpool Victoria LV Equity Release Plans
  • Nationwide Equity Release Plans
  • TSB Equity Release Schemes
  • More to Life Capital Choice Plus Plan
  • Royal Bank of Scotland Equity Release Schemes
  • More2Life Capital Choice Plan
  • Hodge Lifetime Mortgage Plus
  • Just retirement equity release lifetime mortgages
  • L&G Legal & General Flexible Plus Lifetime Mortgage
  • Pure Retirement Equity Release Plans
  • TSB Lifetime Mortgage
  • Saga Equity Release Schemes
  • More2Life Tailored Choice Plan
  • Canada Life Prestige Flexi Option
  • Nationwide Interest Only Lifetime Mortgage
  • TSB Lifetime Mortgage
  • NatWest Equity Release Plans
  • Liverpool Victoria LV Equity Release Plans
  • Stonehaven Equity Release Plan
  • Age Partnership Equity Release Plans

It is often found to discover people looking for interest-only lifetime mortgages, monthly payment lifetime mortgage or monthly payment equity release, however, Just Retirement like Royal London Equity Release are keen to see evidence of your personal situation in the form of bank statements.

How much is it common to release from a home

  • 55% interest-only lifetime mortgages AIG Life
  • 55% LTV lumpsum lifetime mortgages Key Retirement
  • 35% LTV home reversion plans LV equity release
  • 25% LTV monthly payment lifetime mortgage United Trust Bank
  • 30% loan to value (LTV) lifetime mortgage with flexible drawdown cash release Clearly Loans
  • 25% loan to value (LTV) home reversion plans Post Office Mtgs

Natwest Equity Release Brokers Uk


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

  • Dental practice activities Dursley
  • Transport via pipeline Birchwood
  • Funeral and related activities Salcombe
  • Activities of mortgage finance companies Swanscombe and Greenhithe
  • Farm animal boarding and care Kingsbridge
  • Distilling, rectifying and blending of spirits Wareham
  • Manufacture of metal structures and parts of structures Dewsbury
  • Other manufacturing n e c Mitcheldean
  • Operation of rail passenger facilities at railway stations South Woodham Ferrers
  • Manufacture of mortars Haslemere
  • Temporary employment agency activities Ilford
  • Manufacture of other organic basic chemicals Wellington
  • Operation of sports facilities Ledbury
  • Wholesale of perfume and cosmetics Higham Ferrers
  • Manufacture of computers and peripheral equipment Maidstone
  • Manufacture of knitted and crocheted fabrics Ramsey
  • Defence activities Wath-upon-Dearne
  • Painting Scunthorpe
  • General medical practice activities Stourbridge
  • Other sports activities Reepham
  • Combined facilities support activities Broughton-in-Furness

Flexible Lifetime Mortgage Product Summary– Issue Date 14/08/2019
Home Equity Release plans
Product variant
Premier Flexible Black
Flexible Pink
Flexible Orange
Flexible Yellow
Flexible Green
Interest rates Fixed and Variable

Standard 3.36% MER 3.41% AER 3.45% MER 3.51% AER 3.45% MER 3.51% AER 3.62% MER 3.68% AER 3.76% MER 3.83% AER 2% Cashback N/A 3.65% MER 3.71% AER 3.65% MER 3.71% AER 3.81% MER 3.88% AER 3.96% MER 4.03% AER £599 Arrangement fee

3.32% MER 3.37% AER 3.42% MER 3.47% AER 3.42% MER 3.47% AER 3.58% MER 3.64% AER 3.73% MER 3.79% AER

Flexible Turquoise 3.96% MER 4.03% AER 4.15% MER 4.23% AER 3.92% MER 3.99% AER Flexible Blue 4.46% MER 4.55% AER 4.65% MER 4.75% AER 4.42% MER 4.51% AER Flexible Navy 4.81% MER 4.92% AER 5.00% MER 5.12% AER 4.77% MER 4.88% AER Flexible Indigo 5.25% MER 5.38% AER 5.44% MER 5.58% AER 5.21% MER 5.34% AER

Call us on 03330 048444 Lines are open 8.30 am to 5.30 pm Monday to Friday.

Call charges will vary. Calls may be monitored and recorded.

Legal & General Home Finance Limited is a wholly-owned subsidiary of Legal & General Group plc.

We are registered in England and Wales number 04896447. Registered office: One Coleman Street, London EC2R 5AA.

Legal & General Home Finance Limited is authorised and regulated by the Financial Conduct Authority.