More to Life Lifetime Mortgages

more to life

  • Release money from your house with more to life
  • No regular monthly repayments unless you prefer to pay interest only
  • Help your family to buy a house with the money you release
  • Continue to stay in your house for as long as you like without the mortgage redemption cliff date
  • 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

Money tied up in home
main residence
Home equity Tied Up
home's value

Wealthy business owners who could benefit from equity release estate planning

  • Distilling, rectifying and blending of spirits Kesgrave
  • Manufacture of power-driven hand tools Acle
  • Television programme distribution activities Chester-le-Street
  • Activities of amusement parks and theme parks Minehead
  • Electrical installation Brentford
  • Manufacture of steel drums and similar containers Keswick
  • Raising of camels and camelids Ilminster
  • Manufacture of wallpaper Kenilworth
  • Retail sale of games and toys in specialised stores Shefford
  • Banks Whittlesey
  • Manufacture of jewellery and related articles Easingwold
  • Motion picture projection activities Alcester
  • Activities of financial services holding companies Kendal
  • Mining of lignite Hitchin
  • Gambling and betting activities Ampthill
  • Other telecommunications activities Romsey
  • Other reservation service activities n e c Bebington
  • Transmission of electricity Watlington
  • Wholesale of other food, including fish, crustaceans and molluscs Grassington
  • Manufacture of pharmaceutical preparations Brightlingsea
  • Service activities incidental to air transportation Modbury

equity release schemes

Disadvantages of Home Reversion Plans

Interest-only lifetime mortgages can reduce the inheritance for your family. Lifetime mortgage with flexible drawdown cash release may impact ability to get state benefits. You may need to pay a solicitor’s fee and you could be exposed to changes in interest rates with some products.

form of equity release

Aviva Drawdown Lifetime Mortgages

Crown Drawdown Lifetime Mortgages

More2Life Retirement Mortgages

Pure Retirement

Towns of the UK where Lifetime Mortgages are common

  • Braunstone Town
  • Winterton
  • Fakenham
  • Corbridge
  • Brampton
  • Carnforth
  • Egremont
  • Dudley
  • Kingsteignton
  • Northam
  • Tewkesbury
  • Southend-on-Sea
  • Dereham
  • Colne
  • Tickhill
  • Warrington
  • Oakham
  • Lewes
  • Clay Cross

financial advisers

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


UK Equity Release Scheme Lenders

  • Bower
  • Stepchange
  • Key Retirement
  • Prudential

equity release product

Equity Release LTV Percentages

The more aged you are and the more serious your illnesses you are the more tax free cash you can release.

equity release products

Hard to mortgage home variants can include properties currently undergoing substantial alterations, extensions or repairs, entirely tenanted properties, freehold houses and bungalows (England, Wales, Northern Ireland), commonhold properties and properties owned under any form of shared equity scheme.

Many of the most appealing pensioner mortgage products include Lloyds Bank later life mortgages, Barclays interest only retirement mortgages for over 70s, Natwest mortgages for 60 year olds, Legal and General lifetime mortgages and Nationwide Building Society mortgages for over 60s.

Hard to finance home variants include eco houses and modern methods of construction, properties with any external treatment applied to the roof after construction, privately developed flats, maximum four storeys with a lift, freehold/feuhold flats (Scotland only) and basement or lower ground floor flats without level access to private or communal garden space.

Popular loan to value ratios of Lloyds interest only mortgages for over 65 year olds, Barclays lifetime mortgages for over 55s, Post Office pensioner mortgages over 60, L&G mortgages for people 60 plus, RBS mortgages over 70s and Nationwide Building Society mortgages for over 50 year olds are 50%, 60% and 70%.

Tough to mortgage home variants include properties with land in addition to the domestic grounds up to a maximum property size of five acres, where the land is for normal domestic use, properties with a single annexe or other self-contained part of the property, use of the land and any outbuildings for a small amount of personal commercial use., properties where there is a self-contained part of the property or annexe, i.e. basement flat etc and properties which have been built on a previously contaminated land are acceptable provided the result of an environmental search determines the land to be clear of contamination.

Tough to finance property variants include properties built on contaminated land, 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), derelict property or where part of the building is in severe disrepair and needs demolishing, asbestos construction and concrete panel houses.

How much money can I release?

You can borrow 65% of your property’s value. As an example, if your home is valued at £190000 you can get £123500.

Pure Retirement - Classic Super Lite Plan

  • Bridgewater Equity Release
  • More2Life Flexi Choice Drawdown Lite Plan
  • Aviva Flexible Voluntary Repayment Plan
  • Canada Life Second Home Voluntary Select Plan
  • More2Life Capital Choice Plan
  • L&G Legal & General Flexible Plus Lifetime Mortgage
  • Stonehaven Interest Only Lifetime Mortgage
  • Nationwide Equity Release Plans
  • NatWest Equity Release Schemes
  • More2Life Flexi Choice Voluntary Payment Super Lite
  • Canada Life Voluntary Select Gold Flexi
  • Just Retirement Equity Release
  • Nationwide Equity Release Schemes
  • Lloyds Bank Equity Release Schemes
  • NatWest Equity Release Schemes
  • Aviva Lifetime Mortgages
  • Bridgewater Equity Release Schemes


Equity Release Loan To Value

  • 55% lumpsum lifetime mortgages AA equity release
  • 50% loan to value home reversion schemes Sunlife Plans
  • 35% loan to value (LTV) interest-only lifetime mortgages Saga
  • 30% loan to value monthly payment life time mortgage Newbury
  • 25% loan to value (LTV) home reversion schemes Earl Shilton Building Society
  • 55% LTV home reversion plans Precise

Hodge Lifetime - Lump Sum Lifetime Mortgage

financial services

home reversion plan

cash lump sum
Lifetime Mortgage – Things To Think About Before You Take One Out – More to Life

equity release work
bank holidays
amount you owe
amount you owe
amount you can borrow
interest rates

HSBC Retirement Mortgage Reviews

HSBC Retirement Mortgage Interest Only


Phone: 03454 500 151