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2.53% APR HSBC Lifetime Mortgages No Advisor Fees

Last updated on December 17th, 2021 at 09:54 am

2022 HSBC Lifetime Mortgages for UK property

Example of an HSBC Lifetime Mortgages in 2022

Property Valuation: £192000
Release Amount: £115200
Loan To Value: 60%
Rate: 1.91% MER
Valuation Fee: Free
Lender Fees: None
Advisor Fees: None
Redemption Penalties: None
Portability: Yes – you can move house subject to the new valuation

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UK HSBC Interest Only Mortgages For Over 70s 2022




Do HSBC offer Lifetime Mortgages?

Yes, HSBC does lifetime mortgages at 2.2% MER. HSBC Lifetime Mortgages can have a LTV of 70%.


mortgage lender

Does HSBC offer Equity Release Under 55?

Yes, HSBC Equity Release Under 55 is 2.11% MER.


small valuation fee

Does HSBC do Retirement Mortgages?

Yes, HSBC Retirement Mortgages are 2.03% MER.


valuation fee

Does HSBC do Pensioner Mortgages?

Yes, HSBC Pensioner Mortgages are 2.22% APRC.


spare income

Does HSBC do Equity Release?

Yes, HSBC Equity Release is 2.06% APRC.


secured loan

What are HSBC rates for equity release?

HSBC rates for equity release are 2.28% APRC.


valuation fee

Does HSBC have favourable reviews for equity release?

Yes, HSBC reviews are superb for equity release.


interest rates

Does the HSBC equity release calculator show the loan to value (ltv)?

Yes, the HSBC equity release calculator shows the favourable loan to value (ltv) of 55%.


cash lump sum

Does an HSBC equity release advisor charge a big fee?

No, HSBC equity release advisors are free.


home reversion

Does HSBC do home equity loans?

Yes, HSBC home equity loans are 2.12% MER.


personal loans

Does HSBC do home equity lines of credit?

Yes, HSBC home equity lines of credit are 2.21% APRC.


most lenders

How much can I borrow?

You can get 65% of your property’s value. As an example, if your home is worth £280000 you can get £182000.


financial advice

Common retirement loan offerings include Lloyds interest-only mortgages for over 60s near London, Barclays Bank mortgages for people 60 plus, Post Office over 60 lifetime mortgages, Legal and General retirement mortgages and Nationwide Building Society mortgages for pensioners.


borrow money

Common LTV percentages of Lloyds Bank pensioner mortgages over 70s, HSBC later life mortgages for over 60s, Post Office mortgages for people 60 plus, Legal and General mortgages for over 70s, Royal Bank of Scotland interest only lifetime mortgages for over 70s and Nationwide Building Society interest-only mortgages for over 70s are 40%, 55% and 65%.

Interest Only Mortgages For Over 70s

Common loan to values of LV= later life interest-only mortgages over 60, More 2 Life mortgages for people over 50, OneFamily interest-only mortgages for over 60s, Yorkshire Building Society interest only lifetime mortgages for people over 60, Principality Building Society over 60 lifetime mortgages and SunLife remortgages for people over 50 years old are 50%, 60% and 65%.

Later Life Mortgages

Common loan to value percentages of Standard Chartered interest-only mortgages for over 60s near London, Direct Line later life interest-only mortgages over 70, Leeds Building Society retirement interest-only mortgages over 60, Skipton Building Society equity release schemes for over 55’s, West Bromwich Building Society equity release plans for people over 60 and Cumberland Building Society over 60 lifetime mortgages no fees are 45%, 60% and 65%.

Equity Release Under 55

Hard to mortgage property types can include homes requiring essential repairs, properties where letting arrangement where the tenancy agreement is not appropriate, feuhold/freehold properties (including flats) in Scotland, properties with unregistered titles subject to these being registered as part of the legal process and properties with single skin brickwork.

Later Life Interest Only Mortgage

Hard to finance property types include timber-framed properties built before 1920, properties with spray foam insulation applied to the underside of the roof, properties with a minimum floor area of 30 square metres, studio flats outside the M25 and basement or lower ground floor flats without level access to private or communal garden space.

Lifetime Mortgages

Tough to finance property titles can include grade ll Listed houses (grade C in Scotland and B2 in Northern Ireland), properties with a single annexe or other self-contained part of the property, properties without direct access to an adopted highway or which are accessed over an unmade road, properties that are being used for personal commercial use and properties where Japanese Knotweed is present.

Interest Only Mortgages For Over 60s

Challenging to mortgage home variants include properties built on contaminated land, properties without a kitchen or bathroom, some properties with sitting tenants or regulated tenancies, cob property and properties that has never been registered with the land registry.

Best HSBC Equity Release Rates

HSBC UK Lifetime Mortgages

Mortgages For 60 Plus
Interest Only Lifetime Mortgage
Mortgages For Over 50 Year Olds
Equity Release
Mortgages For Over 60S