One Family joint Lifetime Mortgage options

One Family

  • Remove tax-free equity from your property
  • No regular monthly payments
  • Help your family to buy another home
  • Continue to stay in your home for as long as you like
  • 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

equity release is right for you
equity release lender
equity release lifetime
equity release loan
equity release product

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

How much is it common to release from a home

  • 60% interest-only lifetime mortgages Aegon
  • 50% loan to value lumpsum lifetime mortgages Legal and General
  • 35% LTV interest-only lifetime mortgages Liverpool Victoria
  • 30% LTV lump sum lifetime mortgages Evolution Money
  • 60% loan to value monthly payment lifetime mortgage Norton Finance
  • 30% loan to value monthly payment lifetime mortgage BlueZest
  • 45% loan to value home reversion schemes Stepchange
  • 30% loan to value monthly payment lifetime mortgage Hodge
  • 45% loan to value home reversion schemes Pepper

Lloyds Bank Equity Release Interest Rates

Disadvantages of Interest Only Lifetime Mortgages

Monthly payment lifetime mortgage can reduce the value of your estate. Monthly payment life time mortgage 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.

Towns of the UK where equity release is routine

  • Attleborough
  • Tenterden
  • Eastwood
  • Adlington
  • Northam
  • Arlesey
  • Horsforth
  • Wood Green
  • Dorchester
  • Lechlade
  • Penistone
  • Hawkinge
  • Ivybridge
  • Middleham
  • Wells-next-the-Sea
  • Newport
  • Hemsworth
  • Ferryhill
  • Stafford
  • Westbury
  • Lewes
  • Fordbridge

Lloyds Bank Equity Release Mortgage

amount you can borrow

amount you owe

Hard to finance home variants include properties in poor condition, properties where tenants live in a self-contained part of the property, leasehold properties (England, Wales, Northern Ireland) subject to a lease length of 160 years, commonhold properties and properties with leased solar panels.

Popular pensioner loan products are TSB help to buy for over 60s, Barclays later life interest only mortgages over 60, Halifax mortgages for over 70s, Legal & General later life mortgages and Nationwide Building Society interest only mortgages for people over 60.

Hard to finance home types include timber framed properties built before 1920, properties with single skin brickwork where the single skin comprises more than 20% of the surface area of the external walls, studio flats located within the M25, coach houses i.e. freehold properties with garages beneath and flats above or adjacent to commercial premises.

Popular loan to value percentage ratios of TSB mortgages for 60 year olds, HSBC retirement interest only mortgages over 75, Natwest mortgages for over 50 year olds, Legal & General lifetime mortgages for people over 55, RBS later life interest only mortgages over 75 and Nationwide interest only mortgages for over 60s are 50%, 55% and 70%.

Tough to mortgage property titles can include properties built or converted into dwellings more than 10 years ago, properties with flying or creeping freehold which comprises 15% or less of the total floor area, agricultural use of the land and any outbuildings, properties using rooms, land or outbuildings for business purposes which are not personal to the borrower(s) or which extend to more than 50% of the property to be secured and properties adversely affected by existing or proposed issues including roads, rail, airports, power plants, power lines/pylons, wind turbines, sub stations, sewage works, quarries, fuel stations, refuse sites, sports grounds, noise, light or environmental pollution.

Tough to mortgage property titles 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), property is uninhabitable, corrugated iron construction and Airey, Boot, Cornish Unit, Dorran, Dyke, Gregory, Hamish Cross, Myton, Newland, Orlit and Parkinson Frame.

How much cash can I borrow?

You can achieve 60% of your home’s value. As an example, if your home is worth £240000 you can borrow £144000.

amount you owe

LV Lifetime Mortgages

arrangement fees

equity release products

equity release council

cash lump sum

is equity release safe

  • Aviva Equity Release Schemes
  • More 2 Life Capital Choice Plan
  • Hodge Lifetime Mortgage Plus
  • Liverpool Victoria LV Equity Release
  • TSB Equity Release Schemes
  • NatWest Interest Only Lifetime Mortgage
  • Royal Bank of Scotland Equity Release
  • Aviva Lifetime Mortgages for Pensioners
  • More2Life Capital Choice Plus Plan
  • Liverpool Victoria LV= Flexible Lifetime Mortgage
  • Pure Retirement Drawdown Plan
  • Nationwide Equity Release Schemes
  • Bridgewater Equity Release Plans
  • Just Retirement Equity Release Schemes
  • L&G Legal & General Premier Flexible Lifetime Mortgage
  • Pure Retirement Classic Drawdown Lite Plan
  • HSBC Equity Release Plans
  • Lloyds Bank Equity Release Plans
  • TSB Lifetime Interest Only Mortgage
  • Royal Bank of Scotland Equity Release
  • Age Partnership Equity Release Plans
  • Liverpool Victoria LV= Flexible Lifetime Mortgage
  • Stonehaven Equity Release Plan
  • Lloyds Bank Equity Release
  • NatWest Interest Only Lifetime Mortgage
  • Saga home reversion schemes
  • More 2 Life Capital Choice Plus Plan

It’s often found to discover people seeking out lump sum lifetime mortgages, lumpsum lifetime mortgages or lifetime mortgage with flexible drawdown cash release, however, More2Life like Fortify Insurance Solutions are keen to see evidence of your personal situation in the form of bank statements.

equity release schemes
equity release work
financial advice
equity release advice
bank holidays
company number

Equity Release Scheme Providers

  • Key Solutions
  • Prudential
  • Legal and General
  • VitalityLife Equity Release


authorised and regulated

What percentage can be released?

The more aged you are and the unhealthier you are the more tax free cash you can release.

  • Freight air transport Thrapston
  • Repair of personal and household goods n e c Aldershot
  • Youth hostels Knaresborough
  • Other construction installation Tenterden
  • Manufacture of knitted and crocheted hosiery Bude-Stratton
  • Publishing of directories and mailing lists Rowley Regis
  • Retail sale in commercial art galleries Highbridge
  • Repair and maintenance of ships and boats Birkenhead
  • Retail sale of other second-hand goods in stores not incl antiques Alcester
  • manufacture of canvas goods, sacks, etc Dovercourt
  • Recovery of sorted materials Barnstaple
  • Barristers at law Wallasey
  • Growing of tobacco Stevenage
  • Environmental consulting activities Neston
  • Trade of gas through mains Croydon
  • Management of real estate on a fee or contract basis Brigg
  • Retail sale via stalls and markets of food, beverages and tobacco products Birchwood
  • Copper production Wadebridge
  • Manufacture of jewellery and related articles Bexhill-on-Sea
  • Repair of fabricated metal products Withernsea
  • Information technology consultancy activities Diss


One Family. One Family, Family Investments and Engage Mutual Assurance are all trading names of Family Assurance Friendly Society Limited.
OneFamily Advice is the trading name of OneFamily Advice Limited. OneFamily Advice Limited is registered in England and Wales at 16-17 West Street, Brighton, BN1 2RL registered number 09188369 and is authorised and regulated by the Financial Conduct Authority.