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UK Home Equity Release Rates 2022



Many of the most appealing pensioner finance products are TSB pensioner mortgages over 70s, Barclays over 60 lifetime mortgages, Halifax mortgages over 70s, Legal & General interest-only mortgages for over 70s and Nationwide BS pensioner mortgages.

Common loan to value ratios of TSB mortgages over 65, Barclays Bank interest-only mortgages for people over 60, Halifax retirement mortgages over 70, Legal and General mortgages for over 65, Royal Bank of Scotland interest-only mortgages for people over 70 and Nationwide later life mortgages for over 60s are 50%, 60% and 65%.

Some of the most common LTV percentages of Liverpool Victoria remortgages for people over 50 years old, More to Life equity release schemes for over 55’s, One Family later life interest-only mortgages over 60, Yorkshire Building Society retirement mortgages over 65, Metro Bank mortgages for people over 50 and Sun Life help to buy for over 60s are 45%, 60% and 70%.

Some of the most popular loan to values of Virgin Money pensioner mortgages over 70s, Zurich lifetime mortgages for people over 55, Churchill interest-only mortgages for over 60s, Coventry Building Society interest-only mortgages for over 60s, Newcastle Building Society mortgages for 60 plus pensioners and National Counties Building Society mortgages for over 70s are 35%, 60% and 65%.

Difficult to mortgage property types include poorly maintained at the time of the valuation inspection, entirely tenanted properties, leasehold properties (England, Wales, Northern Ireland) subject to a lease length of 160 years, properties where the customer is offering only part of the title as security for the loan and properties where the borrower(s) own the freehold with any connected party.

Difficult to mortgage home types include eco-houses and modern methods of construction, properties with any external treatment applied to the roof after construction, large concrete panel systems, studio flats outside the M25 and properties where the flat is accessed via a deck or balcony.

Tough to mortgage property variants can include grade ll Listed houses (grade C in Scotland and B2 in Northern Ireland), properties with room(s) or outbuilding(s) used for a small amount of personal commercial use, grades l and ll* Listed Buildings in England & Wales (Grades A and B in Scotland; A, B+ and B1 in Northern Ireland), properties that have solar farms or a large number of wind turbines on the land and properties adversely affected by existing or proposed issues including roads, rail, airports, power plants, power lines/pylons, wind turbines, substations, sewage works, quarries, fuel stations, refuse sites, sports grounds, noise, light or environmental pollution.

Tough to finance home variants include high service charges, leasehold properties with a short lease, typically less than 70 years, or a defective lease, derelict property or where part of the building is in severe disrepair and needs demolishing, corrugated iron construction and concrete frame.