1.90% APRC L and G Lifetime Mortgage No Valuation Fees

L and G Lifetime Mortgage

  • Remove tax-free cash from your house with an L and G Lifetime Mortgage
  • Not necessary to make regular monthly payments unless you prefer to pay the interest
  • Use the money to help your family
  • Still, have some mortgage outstanding? No problems
  • Continue to stay in your 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

Legal & General Home Finance
main residence
Homeowner in their 60s
Homeowner in their 60s
equity release lifetime

L and G Lifetime Mortgage Loan To Value

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

Drawbacks of L and G Lifetime Mortgage

Interest-only lifetime mortgages can reduce the value of your estate. Interest-only lifetime mortgages may impact the ability to claim entitlements. You may need to pay a broker’s fee and some products expose you to changes in interest rates.

Lloyds Bank Equity Release Schemes

Providers for Equity Release

  • Bower
  • New Life
  • Age Concern
  • One Family

The lender will want to know if the property is a Semi detached freehold house or a Leasehold flat and if the resident is an Owner Occupier Primary Residence.

  • Canada Life Voluntary Select Gold Flexi
  • Hodge Equity Release Plans
  • Pure Retirement Equity Release Schemes
  • More to Life Capital Choice Plan
  • Age Partnership Interest Only Lifetime Mortgage
  • Nationwide Equity Release
  • HSBC Equity Release Schemes
  • TSB Lifetime Mortgage
  • More2Life Capital Choice Plus Plan
  • Bridgewater Equity Release Plans
  • Hodge Lifetime Flexible Drawdown Plan
  • Liverpool Victoria LV= Lump Sum Plus Lifetime Mortgage
  • Nationwide Equity Release Schemes
  • TSB Lifetime Interest Only Mortgage
  • NatWest Equity Release
  • Royal Bank of Scotland Equity Release
  • Canada Life Landlord Voluntary Select Plan
  • More2Life Capital Choice Plus Plan
  • More to Life Capital Choice Plan
  • Stonehaven Equity Release Plan
  • HSBC Lifetime Mortgage


Towns in the UK where an L and G Lifetime Mortgage are common

  • Redhill
  • Faringdon
  • Pudsey
  • Chorley
  • Wymondham
  • Pateley Bridge
  • Featherstone
  • Widnes
  • Kidsgrove
  • Wolsingham
  • Easingwold
  • Leigh-on-Sea
  • Northwich
  • Featherstone
  • Oswestry
  • Southwold

It’s very regular to discover individuals searching for home reversion schemes, monthly payment life time mortgage or monthly payment equity release, however, Just Retirement like Aegon are keen to see paperwork to show your circumstances in the form of bank statements.

Hard to mortgage home variants can include poorly maintained at the time of the valuation inspection, properties where multiple third parties are living in an annexe, right to buy – properties in Scotland, properties where the customer is offering only part of the title as security for the loan and properties with leased solar panels.

Some of the most popular retirement mortgage products are Lloyds retirement mortgages, Barclays Bank interest only mortgages for people over 70, Natwest lifetime mortgages, L&G pensioner mortgages over 70s and Nationwide Building Society interest only mortgages for over 70s.

Difficult to finance property types can include Timber-framed properties constructed post-1965, properties with pre 1945 asbestos or similar composition roof tiles, studio flats located within the M25, former local authority flats and privately developed flats in blocks of three or four storeys without a lift.

Some of the most common LTV percentages of TSB lifetime mortgages for over 60s, HSBC pensioner mortgages over 55, Halifax equity release schemes for over 55’s, Legal and General later life interest only mortgages over 75, Royal Bank of Scotland mortgages over 65 and Nationwide interest only mortgages for people over 60 are 50%, 55% and 65%.

Tough to finance home variants can include properties built or converted into dwellings within the last 10 years , properties converted from modern commercial premises, properties with more than one annexe or self-contained part of the property, properties with mobile phone masts which are not within influencing distance of the house and properties where Japanese Knotweed is present.

Challenging to mortgage home variants can include rentcharges properties with a high estate rentcharge, 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 where there are boundary disputes or where planning applications have not been applied for correctly, timber buildings and concrete panel houses.

How much money can I get?

You can borrow 60% of your property’s valuation. As an example, if your house is worth £300000 you can get £180000.

Business owners who could benefit from equity release estate planning

  • Activities of agricultural holding companies Bishops Stortford
  • General medical practice activities Lydd
  • Freight air transport Ilkeston
  • Manufacture of other rubber products Ellesmere Port
  • Pre-primary education Longtown
  • Renting and leasing of other personal and household goods Filey
  • Manufacture of other organic basic chemicals Beaminster
  • The casting of light metals Barnes
  • Growing of other perennial crops Arlesey
  • Wholesale of dairy products, eggs and edible oils and fats Cannock
  • Retail sale of sports goods, fishing gear, camping goods, boats and bicycles Stroud
  • Cold rolling of narrow strip Shipston-on-Stour
  • Cold drawing of bars Fleetwood
  • Youth hostels West Malling
  • Wholesale of other food, including fish, crustaceans and molluscs Witney
  • Window cleaning services Willesden
  • Manufacture of other technical ceramic products Henley-on-Thames
  • Manufacture of plastic plates, sheets, tubes and profiles Thornaby-on-Tees
  • Retail sale of musical instruments and scores Broadstairs and St Peters
  • Investigation activities Faversham
  • Satellite telecommunications activities Exmouth

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Legal and General Equity Release

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Just Retirement Mortgages


Equity Release LTV Percentagescash lump sum

  • 50% lumpsum lifetime mortgages Legal & General
  • 60% loan to value lumpsum lifetime mortgages Key Retirement
  • 35% loan to value lump sum lifetime mortgages Shawbrook
  • 55% loan to value lumpsum lifetime mortgages More2Life
  • 40% loan to value (LTV) lump sum lifetime mortgages Santander
  • 25% loan to value (LTV) home reversion plans Clearly Loans
  • 40% LTV lifetime mortgage with flexible drawdown cash release Optimum Credit
  • 25% LTV lump sum lifetime mortgages Post Office Mtgs


Flexible Lifetime Mortgage Product Summary– Issue Date 14/08/2019
Home Equity Release plans
Product variant
Premier Flexible Blackhome reversion schemes
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

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