
- Release tax-free money from your house
- You don’t need to make regular monthly payments
- Buy a family member a home without a mortgage
- Still have a mortgage? No problems
- Continue to stay in your home for as long as you like
- Could be used to optimise tax planning





- L&G Legal & General Flexible Lifetime Mortgage
- Liverpool Victoria LV Equity Release
- Pure Retirement Equity Release
- Lloyds Bank Equity Release
- More to Life Flexi Choice Drawdown Lite Plan
- Saga home reversion schemes
- Pure Retirement Equity Release Schemes
- Aviva Lifestyle Flexible Option
- Canada Life Equity Release
- Nationwide Equity Release
- NatWest Lifetime Mortgage
- Stonehaven Interest Only Lifetime Mortgage
- Nationwide Interest Only Lifetime Mortgage
- TSB Equity Release Plans



Equity Release LTV Percentages
The more elderly you are and the sicker you are the more money you can release.

What percentage can be released?
- 50% interest-only lifetime mortgages Legal & General
- 40% loan to value (LTV) monthly payment life time mortgage Santander
- 60% loan to value lifetime mortgage with flexible drawdown cash release Equifinance
- 45% loan to value interest-only lifetime mortgages West One
- 30% loan to value (LTV) home reversion schemes Holmesdale Building Society
- 55% LTV interest-only lifetime mortgages Sunlife Plans
- 45% loan to value (LTV) lumpsum lifetime mortgages More to Life
- 25% LTV lumpsum lifetime mortgages Yorkshire Bank
- 50% LTV lifetime mortgage with flexible drawdown cash release Norton Finance
- 35% loan to value interest-only lifetime mortgages Foundation Home Loans
- 25% loan to value interest-only lifetime mortgages Newcastle Building Society
Downsides of Home Reversion Schemes
Monthly payment equity release can reduce your estate value. Home reversion plans may impact ability to claim entitlements. You may need to pay a broker’s fee and some products expose you to changes in interest rates.







Successful business owners who could benefit from equity release tax planning
- Portrait photographic activities Deal
- Retail sale of telecommunications equipment other than mobile telephones Stapleford
- Manufacture of cordage, rope, twine and netting Yarm
- Manufacture of malt Redenhall with Harleston
- Growing of other non-perennial crops Bacup
- Manufacture of ovens, furnaces and furnace burners Shifnal
- Operation of gravel and sand pits; mining of clays and kaolin Leyburn
- Window cleaning services Shirebrook
- Wholesale of other food, including fish, crustaceans and molluscs Hessle
- Landscape service activities Lyme Regis
- Film processing Mitcham
- Scheduled passenger air transport Beaconsfield
- Activities of production holding companies Dewsbury
- Travel agency activities Walthamstow
- Disinfecting and exterminating services Fleet
- Roofing activities Halesowen
- Wholesale of radio, television goods & electrical household appliances other than records, tapes, CD’s & video tapes and the equipment used for playing them Sutton
- Manufacture of ceramic sanitary fixtures Shanklin
- Taxi operation Westbury
- Raising of dairy cattle Lechlade
- Information technology consultancy activities Wadebridge
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 Assured shorthold tenancy tenant.


Canada Life Lifetime Mortgages
Crown Lifetime Mortgages
Hodge Lifetime Drawdown Lifetime Mortgages
Pure Retirement
Just Drawdown Lifetime Mortgages
LV Mortgages







Providers for UK Equity Release
- Age Partnership
- Liverpool Victoria
- Legal and General

Its often found to encounter individuals searching for home reversion plans, monthly payment life time mortgage or interest-only lifetime mortgages, however, Lifetime Mortgage from L&G like Zurich are keen to see evidence of your circumstances in the form of bank statements.

Areas of the UK where equity release is common
- Staveley
- Windermere
- Shrewsbury
- Skegness
- Redcar
- Bromborough
- Sherborne
- Wath-upon-Dearne
- Ottery St Mary
- Billingham
- Camborne