4.19% APRC One Family Equity Release – Free Valuation in 2024

One Family Equity Release
  • Remove tax free cash from your house with One Family Equity Release
  • No need to make monthly payments
  • Use the money for a holiday
  • Continue to stay in your property for as long as you like
  • Can be used to manage inheritance tax bills
  • No product fees
  • No lenders fees
  • 4.19% fixed for life
  • Free Valuation

How much cash can I get?

You can get 60% of your property’s value. As an example, if your home is worth £280,000 you can get £168,000.

  • Your Requirements

  • Please enter a number from 5000 to 2000000000.
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RIO retirement interest only mortgages for people on a pension
5 Year Chart of 10 Year Interest Rates
5 Year Chart
retirement interest only mortgage for UK pensioners
Homeowner in their 80s
retirement interest only mortgage lenders
retirement interest only mortgage lenders

Its usual to discover individuals looking for interest-only lifetime mortgages, lump sum lifetime mortgages or lump sum lifetime mortgages, however, Just Retirement like Maximum cover Equity Release are keen to see paperwork to show your situation in the form of pension statements.

Access home equity
Access home equity
Access home equity

UK Equity Release Lenders

  • Key Retirement
  • Bridgewater
  • Sun life Plans
  • Fortify Insurance Solutions
  • One Family Equity Release
Money tied up in home

Advantages of One Family Equity Release

Often used to optimise tax planning and interest rates can be attractive. Buy a family member a home without a mortgage or pay off your own debts like loans and credit cards so you have more monthly disposable income.

Raise money with your home

Do One Family do Pensioner Mortgages?

Yes, One Family Pensioner Mortgages are 2.19% MER.

Equity Release LTV

  • 50% lump sum lifetime mortgages Aegon
London House

The 1st and 2nd charge lender will want to know if the property is a Detached freehold house or a Leasehold flat with share of freehold and if the resident is an Owner Occupier.

UK Equity Release Lenders

It is common to discover people searching for lifetime mortgage with flexible drawdown cash release, lump sum lifetime mortgages or home reversion schemes, however, More2Life like LV Liverpool Victoria are eager to see evidence of your personal situation in the form of pension statements.

West London Home
  • More to Life Tailored Choice Plan
  • Lloyds Bank Equity Release
  • Barclays Equity Release
  • One Family Equity Release
  • More to Life Flexi Choice Drawdown Lite Plan
  • Royal Bank of Scotland Lifetime Mortgage
  • HSBC Equity Release Schemes
  • Age Partnership Equity Release Plans
  • More2Life Flexi Choice Drawdown Lite Plan
  • Stonehaven Lifetime Mortgage
  • Equity Release Plans
  • NatWest Equity Release Schemes
  • L&G Legal & General Flexible Max Scheme
  • Pure Retirement Lifetime Mortgage
  • Age Partnership Lifetime Mortgage

Do One Family do Retirement Mortgages?

Yes, One Family Retirement Mortgages are 2.19% APRC.

Common UK Equity Release Products

Do One Family do Equity Release Under 55?

Yes, One Family Equity Release Under 55 is 2.19% APR.

Pitfalls of One Family Equity Release

Monthly payment equity release can reduce your estate value. Lump sum lifetime mortgages may impact entitlements to state benefits. You may need to pay an advisor’s fee and you could have higher rates to pay with some schemes.

Over 65 Home owner
hitachi interest only retirement mortgage



Equity Release LTV

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


How much money can I borrow?

You can achieve 70% of your property’s value. For example, if your home is worth £230,000 you can get £161,000.

Do One Family do Lifetime Mortgages?

Yes, One Family do lifetime mortgages at 2.19% APRC.

OneFamily is a customer-owned financial services company in the UK that has made a significant impact on the equity release market, particularly with their comprehensive range of products tailored for older homeowners. The suite of OneFamily equity release options, including their innovative OneFamily RIO Mortgages and other related products, has garnered a variety of customer reviews that shed light on the company’s performance and customer satisfaction levels.

One Family Equity Release Products

One Family RIO Mortgages

OneFamily RIO (Retirement Interest Only) Mortgages are an appealing product for those aged 55 and over who are looking for a loan that allows them to pay just the interest each month. The principal amount is usually repaid from the sale of the property, often when the borrower moves into long-term care or passes away. This product is part of OneFamily’s commitment to offering flexible financial solutions to the older generation.

OneFamily Equity Release Calculator

The OneFamily Equity Release Calculator is an essential tool provided on their website, enabling potential borrowers to estimate the amount of equity they can release from their home. This calculator is particularly useful for planning and gives users an immediate insight into the potential financial benefits of an equity release scheme.

One Family Interest Rates

Interest rates are a pivotal aspect of any mortgage product, and OneFamily interest rates are competitive within the equity release market. The rates determine the overall cost of the loan over time and are a critical consideration for customers.

One Family Mortgages for Over 50s and Beyond

OneFamily offers a range of age-specific products, including OneFamily Mortgages Over 50, Mortgage Over 55, Mortgages Over 60, mortgages Over 65, mortgages Over 70, and mortgage Over 75. These products are designed with an understanding of the varying financial needs that arise as individuals move through different stages of later life.

OneFamily Later Life Mortgages

One Family Later Life mortgages are targeted at those in their retirement years who wish to leverage the value of their property to enhance their lifestyle, manage existing debts, or plan for future expenses without having to sell their home.

OneFamily Remortgage Options

For individuals over the age of 60 considering a change to their existing mortgage, OneFamily offers Remortgage over 60 options. These products provide the opportunity to find more favourable terms or release additional funds from the equity built up in a property.

Lending Practices and Policies

Inclusivity in Lending

One Family stands out for its inclusive approach to lending, with no upper age limit on their mortgage products. This policy is a boon for the older demographic, ensuring that even those in the 75 plus category have access to financial products that cater to their needs.

Support for Older Borrowers

Recognising that older borrowers may have unique financial histories, OneFamily offers options that may cater to those with a bad credit history or who are seeking loans that do not require a credit check. This approach demonstrates the company’s understanding of the challenges faced by this age group.

Professional Advice and Guidance

The Role of Brokers and Advisors

OneFamily emphasises the importance of professional advice when considering equity release. They recommend that potential customers consult with qualified brokers or advisors, echoing the sentiments of figures like Martin Lewis, the Money Saving Expert, who advocates for thorough financial planning and advice in the equity release process.

Customer Experiences and Reviews for a one family lifetime mortgage

Positive Feedback for OneFamily lifetime mortgages

OneFamily has received praise for their customer service and the wide range of equity release products they offer. Clients appreciate the clarity with which the terms of the products are explained and the personalised service provided by OneFamily advisors. Many reviews highlight the flexibility and peace of mind that OneFamily’s products have afforded them.

Considerations and Concerns on one family reviews

While there are many positive reviews, some customers express concerns over the long-term financial implications of equity release, such as the accumulation of interest and the potential impact on inheritance. These are common considerations within the equity release market, and OneFamily aims to address them by providing detailed, transparent information to all prospective borrowers.

Product Accessibility with onefamily equity release

OneFamily’s efforts to make equity release accessible to a broader range of customers, including those who have been declined by other lenders, are also commended. Their comprehensive product range and the flexibility they offer cater to a diverse set of financial circumstances, which is a recurring theme in customer feedback.

OneFamily’s approach to equity release, reflected in their product offerings and customer reviews, shows a commitment to providing solutions that are well-suited to the financial needs and circumstances of older homeowners. Their products, which range from RIO mortgages to interest-only options and include no upper age limits, demonstrate an understanding of the unique challenges faced by those seeking financial flexibility in later life.