HSBC Equity Release and Lifetime Mortgages

Release cash from your house
No need to make regular monthly payments
Use the money to buy another house
Continue to live in your own home for as long as you like

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Old money house

Raise money with your home

It is common to discover individuals seeking out monthly payment life time mortgage, monthly payment lifetime mortgage or interest-only lifetime mortgages, however, Lifetime Mortgage from L&G like Royal London Equity Release are keen to see paperwork to show your personal situation in the form of bank statements.

Lenders for UK Equity Release

More2Life
LV equity release
the Telegraph

Advantages of Lifetime Mortgages

Could be used to optimise tax planning and interest rates can be quite low. Help a member of your family buy their own home that they couldn’t afford otherwise or pay off your own debts like loans and credit cards so you have more monthly disposable income. Over 65 Home owner

Equity Release LTV Percentages

60% lump sum lifetime mortgages AA equity release
40% loan to value (LTV) home reversion schemes LV lifetime mortgage
30% loan to value lump sum lifetime mortgages Bath Inv and Building Society

Money tied up in home
The 1st and 2nd charge lender will want to know if the property is a Freehold terraced house or a Leasehold flat and if the resident is an Private Tenant.

UK Lenders for Equity Release

It is very regular to find people searching for home reversion schemes, lumpsum lifetime mortgages or monthly payment equity release, however, Age Concern like AIG Life are eager to see proof of your personal circumstances in the form of pension statements. Home equity

Hodge Lifetime Mortgage Plus
Pure Retirement Equity Release
Stonehaven Interest Select Plan
Age Partnership Equity Release Schemes
NatWest Equity Release Plans
Saga Lifetime Mortgage
Stonehaven Interest Only Lifetime Mortgage
HSBC Equity Release
TSB Equity Release Plans
Barclays Equity Release
L&G Legal & General Flexible Max Scheme
Nationwide Interest Only Lifetime Mortgage
HSBC Lifetime Mortgage
TSB Equity Release Plans
Royal Bank of Scotland Equity Release Schemes
Age Partnership Lifetime Mortgage

Drawbacks of Home Reversion Plans

Monthly payment equity release can reduce the inheritance for your family. Lump sum lifetime mortgages may impact ability to get state benefits. You may need to pay an advisor’s fee and you could be exposed to changes in interest rates with some products.

Equity Release Loan To Value

The older you are and the sicker you are the more tax free cash you can release.