More to Life joint Lifetime Mortgage

more to life

  • Release money from your house
  • You don’t need to make regular monthly payments
  • Help your family get a deposit for their own home
  • Continue to live in your own property
  • Your Requirements

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

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Homeowner in their 60s
equity release lifetime
home's value

equity release loan
main residence
LV= Lump Sum+ Lifetime Mortgage

equity release schemes
equity release advice
financial advice
equity release product
equity release cost
company number

The 1st and 2nd charge lender will want to know if the property is a Detached freehold house or a Leasehold flat with share of freehold and if the resident is an AST Tenant.

interest rates

Santander Lifetime Mortgage Comparison

Difficult to finance property types 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 which are made up of multiple titles and properties with owned solar panels.

Many of the most appealing retirement loan offerings are Lloyds Bank help to buy for over 60s, Barclays pensioner mortgages, Halifax retirement mortgages, Legal and General mortgages over 70s and Nationwide retirement interest only mortgages.

Hard to finance home types include timber framed properties built before 1920, properties with any external treatment applied to the roof after construction, steel frame/clad properties built before 1990, studio flats outside the M25 and privately developed flats in blocks of three or four storeys without a lift.

Popular LTV ratios of TSB over 60 lifetime mortgages no fees, Barclays over 60 lifetime mortgages, Natwest equity release plans for people over 60, L&G remortgages for people over 50 years old, Bank of Scotland mortgages for 60 year olds and Nationwide lifetime mortgages for over 55s are 40%, 55% and 65%.

Tough to mortgage home titles include properties built or converted into dwellings within the last 10 years , properties with room(s) or outbuilding(s) used for a small amount of personal commercial use, properties with more than one annexe or self-contained part of the property, properties with flying or creeping freeholds which comprise over 15% of the total floor area and properties with mobile phone masts which are within influencing distance of the house.

Tough to finance home titles can include properties will be assessed for flood risk, high service charges – properties where the Service Charge per annum at the time of application is more than 2% of the property value, derelict property or where part of the building is in severe disrepair and needs demolishing, thatched buildings and properties that has never been registered with the land registry.

How much cash can I borrow?

You can release 70% of your home’s valuation. As an example, if your house is worth £330000 you can borrow £231000.

equity release equity release

Areas where retirement mortgages are common

  • Darwen
  • Bury
  • Rayleigh
  • Bruton
  • Needham Market
  • Wimbledon
  • Topsham
  • Poole
  • Stone
  • Oldbury
  • Cranbrook
  • Lytham St Annes
  • Woburn
  • Syston
  • Carnforth
  • Colyton
  • Newent
  • Kettering
  • Southall
  • Sawbridgeworth
  • Highworth
  • Thame

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More2Life Lifetime Mortgages

Just Mortgages
Canada Life Equity Release

UK Equity Release Scheme Lenders

  • Key Retirement
  • Stepchange
  • Legal and General
  • Zurich

Its usual to discover people looking for monthly payment life time mortgage, lump sum life time mortgages or lifetime mortgage with flexible drawdown cash release, however, Key Retirement like Fortify Insurance Solutions are keen to see proof of your personal circumstances in the form of pension statements.

bank holidays

Santander Lifetime Mortgage Comparison

What percentage can be released?

  • 60% lump sum lifetime mortgages Fortify Insurance Solutions
  • 30% loan to value monthly payment equity release Vernon Building Society
  • 55% loan to value lumpsum lifetime mortgages Key Solutions
  • 40% LTV lump sum lifetime mortgages Foundation Home Loans
  • 30% loan to value (LTV) monthly payment equity release HSBC Direct
  • 30% LTV home reversion schemes Central Trust
  • 60% loan to value monthly payment lifetime mortgage Paragon Personal Finance

equity release council

Pitfalls of Home Reversion Schemes

Lump sum lifetime mortgages can reduce the inheritance for your family. Monthly payment life time mortgage may impact ability to get state benefits. You may need to pay an advisor’s fee and you could have higher rates to pay with some schemes.

equity release advice

channel islands

financial services

Equity Release Loan To Value

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

Equity release is common among business owners like below

  • Growing of other tree and bush fruits and nuts Desborough
  • Repair of footwear and leather goods Ross-on-Wye
  • Inland freight water transport New Mills
  • Security dealing on own account Morecambe
  • Collection of hazardous waste Frodsham
  • Activities of credit bureaus Corsham
  • Youth hostels Halewood
  • Cold forming or folding Selsey
  • Mixed farming Stourbridge
  • Residential nursing care facilities Droitwich Spa
  • Motion picture distribution activities West Bromwich
  • Manufacture of computers and peripheral equipment Kidsgrove
  • Retail sale of leather goods in specialised stores Shrewsbury
  • Driving school activities Dereham
  • Raising of horses and other equines Kirkby Stephen
  • Agents specialized in the sale of other particular products Newbury
  • Environmental consulting activities Malmesbury
  • Manufacture of consumer electronics Sprowston
  • Manufacture of electrical and electronic equipment for motor vehicles and their engines Swanage
  • Manufacture of air and spacecraft and related machinery Chickerell
  • Library activities Hadleigh

arrangement fees

  • Canada Life Voluntary Select Gold Flexi
  • Hodge Lifetime Mortgage Plus
  • L&G Legal & General Flexible Max Scheme
  • More2Life Tailored Choice Plan
  • NatWest Lifetime Mortgage
  • Age Partnership Equity Release
  • Pure Retirement Equity Release Plans
  • Stonehaven Equity Release
  • HSBC Interest Only Lifetime Mortgage
  • TSB Equity Release Schemes
  • NatWest Lifetime Mortgage
  • Aviva Flexible Voluntary Repayment Plan
  • More2Life Flexi Choice Voluntary Payment Super Lite
  • L&G Legal & General Flexi Max Voluntary Repayment Plan
  • Stonehaven Interest Select Plan
  • More to Life Flexi Choice Voluntary Payment Super Lite
  • Royal Bank of Scotland Lifetime Mortgage
  • Age Partnership Lifetime Mortgage
  • Aviva Equity Release Schemes
  • Bridgewater Equity Release Plans
  • Canada Life Second Home Voluntary Select Plan
  • Hodge Lifetime Mortgage Plus
  • Liverpool Victoria LV Equity Release Schemes
  • Stonehaven Equity Release
  • Nationwide Equity Release Plans
  • HSBC Equity Release Schemes
  • Royal Bank of Scotland Equity Release

Phone: 03454 500 151