2.37% APR Fixed Santander Equity Release With Free Valuation 2022

Santander Equity Release UK


Depending on your circumstances, either a Santander lifetime mortgage or Santander equity release could suit you very well.  They offer some of the lowest rates of interest available in the market.

  • Remove 70% of your home value tax-free
  • Help our your loved ones
  • No lenders fees
  • No product fees
  • No need to make regular monthly payments unless you prefer to make an interest payment
  • Available to people under 55 and over 55
  • Help your family with the money you release
  • Stay living in your own home retirement planning
  • Can be used to manage inheritance tax bills

Get the equity release you need for 2.37% APR fixed.

  • Your Requirements

  • Please enter a number from 5000 to 2000000000.
  • About You

  • By clicking Submit and ticking the box above you agree to be contacted by an FCA authorised advisor and confirm that you have read and agreed to our Terms & Conditions and our Privacy Policy.

RIO retirement interest only mortgages for people on a pension5 Year Chart of 10 Year Interest Rates

5 Year ChartSantander Equity Release where you stop paying your mortgage

retirement interest only mortgage for UK pensioners

interest only lifetime mortgage santander

Pensioners interest only mortgage santander mortgage rates today

  • Your Requirements

  • Please enter a number from 5000 to 2000000000.
  • About You

  • By clicking Submit and ticking the box above you agree to be contacted by an FCA authorised advisor and confirm that you have read and agreed to our Terms & Conditions and our Privacy Policy.

RIO retirement interest only mortgages for people on a pension

West London new home

5 Year Chart of 10 Year Interest Rates
5 Year Chart


retirement interest only mortgage for UK pensioners

Does Santander offer Equity Release and find out how much loan amount?

Yes, Santander Equity Release is 1.94% APR.  These equity release mortgages are at a very low rate and are ideal for home improvements.



Money tied up in home best option


Pensioners interest only mortgage
Its often found to discover individuals seeking out lump sum lifetime mortgages, monthly payment equity releases or interest-only lifetime mortgages. However, Sunlife Plans like Old Mutual Wealth is keen to see evidence of your situation in the form of pension statements.

Santander Equity Release UK alternative Lenders


Uses of lump sums from Equity Release Plans

Could be used to optimise tax planning and interest rates can be attractive. A low-cost way of helping the family to buy their own home or pay down your debts, so you have lower monthly outgoings.

Equity Release Loan LTV


The 1st and 2nd charge lenders will want to know if the property is a Freehold terraced house or a Leasehold house and if the resident is an AST Tenant.

Does Santander offer Pensioner Mortgages with no early repayment charges?

Yes, Santander Pensioner Mortgages are 1.94% APR.  Access the market value of your home with an equity release provider.

UK Equity Release Scheme Providers and equity release advisers

It is very regular to discover people seeking out a lifetime mortgage with flexible drawdown cash release, monthly payment lifetime mortgage or lifetime mortgage with adjustable drawdown cash release, however, More2Life like Old Mutual Wealth is eager to see evidence of your situation in the form of investment statements.  Santander equity release schemes or Santander retirement mortgages are some of the most flexible and cost-effective products available.  Santander equity release schemes can be very competitive compared with other lenders.

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Pitfalls of Santander Equity Release Schemes and Santander retirement mortgages

Home reversion schemes can reduce your estate value. Monthly payment equity release may impact the ability to claim benefits. You may need to pay a solicitor’s fee, and you could have higher rates to pay with some schemes.

Does Santander do Retirement Mortgages?

Yes, Santander Retirement Mortgages are 1.94% APRC.

Raise money with your home

Equity Release LTV similar to Santander retirement mortgages

The older you are and the more illnesses you have you are, the more tax-free money you can release. Santander retirement mortgages can be very cost-effective.

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Does Santander do Equity Release Under 55?

Yes, Santander Equity Release Under 55 is 1.94% APR, equity release rates are very low.


Direct contact details for Santander retirement mortgages:

Santander UK plc. Registered Office: 2 Triton Square, Regent’s Place, London, NW1 3AN, United Kingdom. Registered Number 2294747. Registered in England and Wales. www.santander.co.uk.

Telephone 0800 389 7000. Calls may be recorded or monitored. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Our Financial Services Register number is 106054.

You can check this on the Financial Services Register by visiting the FCA’s website www.fca.org.uk/register. Santander and the flame logo are registered trademarks.


Does Santander do Lifetime Mortgages?

Yes, Santander does lifetime mortgages at 1.94% APRC.

The common types of equity release deals use the value of your home to get you a tax free lump sum usually with a later life lifetime mortgage. Releasing equity can screw up your means tested benefits. These equity release options should have no negative equity guarantee, and an option to do a drawdown lifetime mortgage with the help of a financial adviser.

You should think hard before you get a debt secured against your home, this is where financial advice comes in.

When you release equity you should make sure you use a lender that’s part of the equity release council and you understand about the role of the financial ombudsman service.

You should be careful your equity release mortgage has a low-interest rate much lower than your credit cards or other ways to get a cash lump sum.

An interest only lifetime mortgage can require you to may interest repayments. Lifetime mortgage products need to be paid back by the sale of the house when you die or move into long term care.

Things to consider:

  • What about if you want to move home?
  • Do you just want one lump sum
  • Would you prefer to take the money in smaller amounts over time with a specific type of equity release product?
  • Can you get money from selling another property and keep your main residence without monthly repayments?
  • Is an affect your entitlement to state benefits a problem to you?
  • Do you need to tell the equity release advisors your property type if it is a bit different construction?
  • Are home reversion plans from a reversion company worth considering instead of other equity release products?
  • Do you want to use the lump sum payment for repairs or improvements?
  • Do you think property prices are going to continue to rise so your property value will go up, and you want to help family members get their own home can cash reserve?

Low rate interest only lifetime mortgage Santander Bank

If you can show retirement income you can make monthly interest payments so you avoid a roll up lifetime mortgage.  You will need to use the loan balance to pay off your standard interest only mortgage or other outstanding mortgage, with the hope you don’t have an early repayment charge to pay.

By making mortgage payments, unlike an equity release plan, the mortgage balance does not go up over time – even if at the start you release tax free cash.  A mortgage advisor will tell you more how the interest accrued will be covered by the older borrowers mortgage – always get independent advice.

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