Sorting by


LS UK Retirement Finance Pensioner Mortgages

equity release specialists compound interest


What are the types of equity release?

All equity release deals rely on the value of your home.  How much you could release can be found out with an equity release calculator.  Many lenders will find out your property value with a free valuation.  Many types of equity release involve no monthly repayments and releasing equity can be a great way to pay off your existing mortgage.  The form of equity release you should consider is a lifetime mortgage that will last the rest of your life.

Equity release mortgages use the market value of your home so you can access lump sums plus a cash reserve to supplement your state benefits.  You can help your loved ones buy a home before property prices increase further.  Some offers have no arrangement fees and are close to the Bank of England base rate.

Retirement Interest Only Mortgages (RIO Mortgages Products)

Equity Release Plans

Types of Lifetime Mortgage Schemes with flexible features

tax free lump sum equity release customers without interest monthly

A good equity release provider will commit to the no negative equity guarantee.

Interest Only Lifetime Mortgages for a cash sum

equity release product not a reversion company receive financial advice

Interest Rate Live Data for existing customers

lifetime mortgage work money from your home legal fees

Best Equity Release Companies


main residence how much equity home equity property wealth

Halifax Mortgage for over 70s in the UK

Mortgage repayment options with flexible features

money you release equity release providers initial lump sum
Santander Equity Release Under 45

I didn’t like the idea of home reversion plans, releasing equity was much better for me

fixed rate equity release adviser home improvements
Santander Equity Release


personal loans interest rates tax position personal circumstances

Can I Extend My Mortgage Term Santander

Interest Only Mortgages For Over 60S with different types of charged interest

existing mortgage lender equity release advisers
Interest Only Mortgages For Over 60S

Mortgages For Over 55S

existing mortgage valuation fee
Mortgages For Over 55S where you make repayments

Santander Mortgages For Older Borrowers where your case completes quickly

type of equity release mortgage
Santander Mortgages For Older Borrowers

Interest Only Mortgages For Over 60S

equity released financial advice
Interest Only Mortgages For Over 60S

Can I Get A 30 Year Mortgage At Age 55

equity release based on the value of your property existing residential mortgage providers
Can I Get A 30 Year Mortgage At Age 55

Santander Mortgage For Over 50S

mortgage based on the value of your home
Santander Mortgage For Over 50S

Santander Lifetime Mortgage Rates

much does equity release cost to release money existing mortgage
Santander Lifetime Mortgage Rates

Later Life Mortgages

tax free equity release under 55 with no early repayment charge
Later Life Mortgages paid with sale of your home

Interest Only Mortgages For Over 70S

types of equity release secured finance loan amount
Interest Only Mortgages For Over 70S

Mortgages For 70-Year-Olds

lump sum payment credit status family member
Mortgages For 70-Year-Olds

Santander Mortgage Calculator How Much Can I Borrow

cash lump sum property ladder tax free cash
Santander Mortgage Calculator How Much Can I Borrow

Retirement Over 65 Mortgage

release under 55 interest payments little or no mortgage

Retirement Over 65 Mortgage paid with sale proceeds

Mortgages For Over 70S

equity release product lifetime mortgage calculator

Mortgages For Over 70S inheritance protection

Santander Over 60 Mortgage

equity release options smaller amounts

Santander Over 60 Mortgage lending criteria

Santander Pensioner Mortgage

equity release products

Santander Pensioner Mortgage retirement planning

Retirement Interest Only Mortgages

financial adviser fixed interest pay the interest

Retirement Interest Only Mortgages repayment options

Retirement Mortgage

equity release advice

Retirement Mortgage based on the value of your home

The minimum age is aged 55 to get a good rate on equity release plan from your home, where you borrow money and don’t make repayments. Even after 20 years, the overall cost can be offset by the house price appreciation. This should be part of your retirement planning if you can meet the lending criteria.

Some lifetime mortgage interest rates are going up, and you don’t want to pay interest you don’t have to.  A drawdown lifetime mortgage can also be a good option depending on the value of your home.    The good news is when you borrow money secured on your home, the rates are very low with a flexible lifetime mortgage, later life mortgage options or other lifetime mortgage products.

The costs can be:

  • advice fee
  • voluntary payments
  • completion fee
  • arrangement fee
  • flexible repayments
  • rolled up interest
  • existing mortgage
  • pay inheritance tax
  • mortgage payments
  • interest roll up
  • interest charged
  • initial amount
  • paying off your mortgage left


A lifetime mortgage could be part of some very savvy retirement planning or tax planning. The total loan is repaid when you die from the sale of your home, but the total loan amount can go up over time due to compound interest.

With most later life lending products you don’t need to make monthly payments and you have to pay off the existing lender. Because of the nature of the product, most lifetime mortgages have fixed interest rates and no regular payments are needed.

You should get a personalised illustration of what interest is charged, the impact of any medical conditions, the affect your tax position, the availability of a fixed interest rate and what happens if you pay the loan early.

You need to be cautious if you currently get council tax benefit or pension credit as you might not be able to qualify for it after you get the one lump sum interest only mortgage long term loan.