LV= Equity Release – Lump Sum+

lv= Liverpool Victoria

  • Release tax-free cash from your home
  • Not necessary to make monthly payments
  • Use the cash for anything you like
  • Continue to live in your own house
  • Often used to optimise tax planning
  • Your Requirements

  • Please enter a number from 9000 to 20000000.
  • About You

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home's value
Old money home
equity release lifetime
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authorised and regulated

Towns where equity release is routine

  • Gorleston-on-Sea
  • Windsor
  • Broughton
  • Crediton
  • Worksop
  • West Bedlington
  • West Bedlington
  • Dawlish
  • Chipping Sodbury
  • Colchester
  • Beccles
  • Carnforth
  • Halesowen
  • Peacehaven
  • Ipswich
  • Bedworth
  • Manningtree
  • Newlyn
  • Shefford

 

Successful business owners who could benefit from equity release estate planning

  • Gathering of wild growing non-wood products Cricklade
  • Manufacture of telegraph and telephone apparatus and equipment Altrincham
  • Retail sale of hearing aids Dartford
  • Recovery of sorted materials Lydney
  • Manufacture of rubber tyres and tubes; retreading and rebuilding of rubber tyres Uckfield
  • Activities of exhibition and fair organisers Barnstaple
  • Farm animal boarding and care Woburn Sands
  • Growing of other perennial crops Wadebridge
  • Management consultancy activities other than financial management Looe
  • Manufacture of knitted and crocheted fabrics Pudsey
  • Manufacture of non-electronic industrial process control equipment Dover
  • Manufacture of household and sanitary goods and of toilet requisites Wimbledon
  • Television programming and broadcasting activities Ambleside
  • Repair of consumer electronics Brentwood
  • Pension funding Boston
  • Raising of dairy cattle Hemsworth
  • Book publishing Knutsford
  • Manufacture of non-electronic measuring, testing etc equipment, not for industrial process control Battle
  • Translation and interpretation activities Cramlington
  • Activities of distribution holding companies Haywards Heath
  • Postal activities under universal service obligation Brentford

arrangement fees

company number

Crown

Pure Retirement Mortgages
Just Lifetime Mortgages

Aviva Retirement Mortgages

More2Life Mortgages

financial ombudsman service

 

Equity Release percentages of your current property value

  • 50% monthly payment lifetime mortgage AIG Life
  • 55% loan to value lump sum lifetime mortgages Just Retirement
  • 50% loan to value monthly payment life time mortgage Equifinance
  • 40% LTV home reversion plans Vida
  • 25% loan to value home reversion schemes BM Solutions

 

What percentage can be released?

The more elderly you are and the sicker you are the more money you can release.

  • Pure Retirement Classic Drawdown Lite Plan
  • HSBC Equity Release
  • Royal Bank of Scotland Equity Release Schemes
  • More2Life Capital Choice Plus Plan
  • Hodge Equity Release Schemes
  • L&G Legal & General Flexible Plus Lifetime Mortgage
  • Pure Retirement Lifetime Mortgage
  • Lloyds Bank Equity Release
  • TSB Equity Release Plans
  • NatWest Lifetime Mortgage
  • Royal Bank of Scotland Lifetime Mortgage
  • More2Life Capital Choice Plus Plan
  • Liverpool Victoria LV Equity Release Schemes
  • More 2 Life Flexi Choice Drawdown Lite Plan
  • Stonehaven Equity Release
  • HSBC Equity Release
  • Lloyds Bank Equity Release
  • TSB Equity Release
  • NatWest Equity Release Schemes
  • Liverpool Victoria LV= Lump Sum Plus Lifetime Mortgage
  • More2Life Capital Choice Plus Plan
  • More to Life Flexi Choice Voluntary Payment Super Lite
  • Pure Retirement Classic Drawdown Lite Plan
  • Nationwide Interest Only Lifetime Mortgage
  • HSBC Equity Release
  • Age Partnership Equity Release

home improvements

It is very regular to encounter individuals searching for interest-only lifetime mortgages, lump sum life time mortgages or home reversion schemes, however, Age Concern like Aegon are keen to see proof of your personal situation in the form of pension statements.

financial advice

Lloyds Retirement Mortgage Uk

Disadvantages of Home Reversion Schemes

Monthly payment lifetime mortgage can reduce your estate value. Home reversion plans may impact entitlements to benefits. You may need to pay a broker’s fee and some products expose you to changes in interest rates.

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

amount you owe

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equity release cost

Difficult to mortgage property variants include homes requiring essential repairs, entirely tenanted properties, right to buy – properties in Scotland, properties that are made up of multiple titles and properties owned under any form of shared equity scheme.

Appealing pensioner finance products include Lloyds Bank retirement mortgages, Barclays Bank over 60 lifetime mortgages, Halifax mortgages for 60 plus, Legal & General mortgages for over 60s and Nationwide BS equity release schemes.

Hard to finance property types include properties with post-1945 asbestos or similar composition roof tiles, properties with pre 1945 asbestos or similar composition roof tiles, properties constructed or converted within the past 10 years, coach houses i.e. freehold properties with garages beneath and privately developed flats in blocks of three or four storeys without a lift.

Common loan to values of TSB over 60 lifetime mortgages no fees, Barclays equity release schemes for over 55’s, Halifax interest only mortgages for over 60s near London, Legal & General equity release schemes for over 55’s, Royal Bank of Scotland mortgages for 60 plus pensioners and Nationwide RIO mortgages over 75 are 35%, 60% and 65%.

Challenging to finance home variants include properties built or converted into dwellings within the last 10 years, properties with a large number/scale of outbuildings, 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 that have a private water supply provided a contract is in place with an approved maintenance company for regular testing and maintenance.

Tough to mortgage property titles can include properties will be assessed for flood risk, properties without a kitchen or bathroom, derelict property or where part of the building is in severe disrepair and needs demolishing, thatched buildings and missing planning permission or building regulations approval.

How much money can I get?

You can release 60% of your home’s value. As an example, if your home is worth £290000 you can release £174000.

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UK Equity Release Lenders

  • Lifetime Mortgage from L&G
  • Crown
  • the Telegraph
  • Royal London Equity Release

Lloyds Retirement Mortgage Age

amount you owe