OneFamily Equity Release Reviews

One Family

  • Release equity from your property
  • Not necessary to make regular monthly payments
  • Use the equity released for anything you like
  • Stay living in your own 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

industry body

home reversion plan

The lender will want to know if the property is a Detached freehold house or a Leasehold house and if the resident is an AST Tenant.

Examples of small business owners with home equity to release

  • Cold drawing of wire North Hykeham
  • Processing and preserving of poultry meat West Tilbury
  • Wholesale of china and glassware and cleaning materials Selby
  • Manufacture of luggage, handbags and the like, saddlery and harness Newlyn
  • Agents involved in the sale of food, beverages and tobacco Normanton
  • Manufacture of electric lighting equipment Deal
  • Mineral oil refining Rothwell
  • Public relations and communications activities Rothwell
  • Computer facilities management activities Braunstone Town
  • Growing of tropical and subtropical fruits Wiveliscombe
  • Manufacture of other products of wood; manufacture of articles of cork, straw and plaiting materials Elstree and Borehamwood
  • General cleaning of buildings Bury St Edmunds
  • Other letting and operating of own or leased real estate Stamford
  • Floor and wall covering Harlow
  • Manufacture of electric domestic appliances Winchelsea
  • Engineering related scientific and technical consulting activities Brandon
  • Printing of newspapers Holt
  • Support activities for petroleum and natural gas extraction Buckfastleigh
  • Retail sale of electrical household appliances in specialised stores Dewsbury
  • Repair of furniture and home furnishings Kirkby-in-Ashfield
  • Raising of sheep and goats Lytham St Annes

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Lloyds Lifetime Mortgage Calculator

Difficult to finance property variants include poorly maintained at the time of the valuation inspection, properties where letting arrangement where the tenancy agreement is not appropriate, leasehold properties where the lease length is currently unacceptable, properties which are made up of multiple titles and properties with owned solar panels.

Some of the most popular retirement loan offerings are Lloyds Bank mortgages for 60 year olds, HSBC mortgages for people over 50, Halifax interest only lifetime mortgages, Legal & General interest only mortgages for over 70s and Nationwide interest only mortgages for people over 70.

Hard to finance home types include pre-fabricated reinforced concrete (PRC), properties with any externally applied insulation to the walls after construction, steel frame/clad properties built before 1990, freehold/feuhold flats (Scotland only) and freehold flats (England, Wales, Northern Ireland).

Some of the most common LTV ratios of Lloyds mortgages for 60 plus, Barclays Bank interest only retirement mortgages for over 70s, Natwest help to buy for over 60s, L&G equity release schemes for people over 70, Bank of Scotland over 60 lifetime mortgages no fees and Nationwide BS mortgages for 60 year olds are 50%, 55% and 70%.

Challenging to finance home variants can include properties with outbuildings used for normal domestic purposes (garage, workshop, stables, barn etc), properties with flying or creeping freehold which comprises 15% or less of the total floor area, properties with more than one annexe or self-contained part of the property, properties where there is a self-contained part of the property or annexe, i.e. basement flat etc and properties with mobile phone masts which are within influencing distance of the house.

Tough to mortgage home variants 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, some properties with sitting tenants or regulated tenancies, thatched buildings and Airey, Boot, Cornish Unit, Dorran, Dyke, Gregory, Hamish Cross, Myton, Newland, Orlit and Parkinson Frame.

How much money can I release?

You can release 65% of your home’s value. As an example, if your home is worth £350000 you can release £227500.


die or move into long term care

Lloyds Lifetime Mortgage Interest Only Rates

Pure Retirement - Classic Super Lite Plan

 

Disadvantages of Home Reversion Plans

Monthly payment lifetime mortgage can reduce the inheritance for your family. Monthly payment life time mortgage may impact ability to get state benefits. You may need to pay a valuation fee and you could have higher rates to pay with some schemes.

equity release product

Towns where retirement mortgages are popular

  • Wigton
  • Alfreton
  • Wiveliscombe
  • Wantage
  • Ollerton and Boughton
  • Knaresborough
  • Leigh-on-Sea
  • Chapel-en-le-Frith
  • Ealing
  • Long Sutton
  • West Bromwich
  • Witney
  • Cleckheaton
  • Stretford
  • Stockton-on-Tees
  • Oswestry
  • Stalybridge
  • Westerham

equity release council

Equity Release percentages of your current property value

The more elderly you are and the more serious your illnesses you are the more cash you can release.

Crown Equity Release

Hodge Lifetime Retirement Mortgages

Legal and General Retirement Mortgages

More2Life Lifetime Mortgages

financial advisers

Equity Release percentages of your current property value

  • 50% monthly payment lifetime mortgage VitalityLife Equity Release
  • 50% loan to value lifetime mortgage with flexible drawdown cash release Just Retirement
  • 30% LTV home reversion plans The Mortgage Works
  • 30% loan to value monthly payment lifetime mortgage Vida Homeloans
  • 55% LTV interest-only lifetime mortgages Equifinance

 

  • More 2 Life Flexi Choice Voluntary Payment Super Lite
  • Stonehaven Equity Release Plan
  • Nationwide Equity Release
  • Lloyds Bank Lifetime Mortgage
  • Saga home reversion schemes
  • Canada Life Equity Release Plans
  • Stonehaven Lifetime Mortgage
  • HSBC Lifetime Mortgage
  • NatWest Equity Release Plans
  • Saga Lifetime Mortgage
  • More2Life Capital Choice Plan
  • Liverpool Victoria LV= Flexible Lifetime Mortgage
  • Stonehaven Lifetime Mortgage
  • Nationwide Interest Only Lifetime Mortgage
  • HSBC Equity Release
  • Saga Equity Release Plans
  • Aviva Equity Release Plans
  • Liverpool Victoria LV Equity Release
  • More to Life Flexi Choice Drawdown Lite Plan
  • HSBC Equity Release Schemes
  • Lloyds Bank Equity Release Plans
  • Saga Lifetime Mortgage

 

UK Equity Release Lenders

  • Lifetime Mortgage from L&G
  • Step Change
  • the Telegraph
  • More to Life

It’s very regular to encounter individuals seeking out interest-only lifetime mortgages, lump sum life time mortgages or home reversion plans, however, Age Concern like Maximum cover Equity Release are keen to see paperwork to show your circumstances in the form of bank statements.

authorised and regulated

equity release advice
LV= Lump Sum+ Lifetime Mortgage
isle of man
equity release work
Hodge Lifetime - Lump Sum Lifetime Mortgage
equity release advice

early repayment

equity release equity release

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.