Equity Release Under 55

Home equity equity release under 55

    • Equity release under 55 for UK property owners
    • Not necessary to make monthly payments if you don’t want to
    • Use the money for anything you like
    • Continue to stay in your house

Variable rate of 2.05% with fixed rates slightly higher for equity release under 55.

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RIO retirement interest only mortgages for people on a pension

5 Year Chart of 10 Year Interest Rates equity release under 55
5 Year Chart

retirement interest only mortgage for UK pensioners

Homeowner in their 70s


It’s very regular to discover individuals looking for equity release under 55, equity release under 55 mortgage or monthly payment lifetime mortgage. However, Key Solutions like Maximum cover Equity Release are keen to see evidence of your circumstances in the form of investment statements.


equity release mortgage under 55

Lenders for equity release in house under 55

Applications of money from a release equity in house under 55

Can help tax planning and interest rates can be attractive. Help your family get a deposit for their own home or pay down your debts, so you have more monthly disposable income.

Equity release in house under 55 LTV Percentages

  • 55% interest-only lifetime mortgages AIG Life
  • 55% LTV interest-only lifetime mortgages Lifetime Mortgage from L&G
  • 40% equity release for under 55
  • Release equity in a house under 55 can be a high loan to value if you can make a monthly repayment

The mortgage lender will want to know if the property is a Semi detached freehold house or a Leasehold flat with share of freehold and if the resident is an Owner Occupier Primary Residence.

Providers in 2021 – Release Equity in House under 55

It’s common to encounter individuals searching for lump sum lifetime mortgages, lump sum lifetime mortgages or home reversion schemes, however, Legal and General like The Exeter Equity Release is eager to see paperwork to show your circumstances in the form of bank statements.

hitachi interest only retirement mortgage



UK homeowner equity release under 55 mortgage

Buying another property is a great use of equity release for under 55. Interest rates are so low and bank of England base rates could go negative. Post covid19 the UK residential property market is looking very attractive and rents remain strong.


Residential property equity release mortgage under 55

Why do people sign up to equity release schemes under 55? Well, simply money now is so cheap that its very tempting not to put capital to work. Rental properties, holiday homes and overseas property investment is all very achievable with this type of low-rate finance.

UK homeowner equity release under 55 mortgage interest only

It is very common to release equity in house under 55 years old for many things. Typically, people get into debt with credit cards, car finance, store cards and personal loans then realise they are overstretched. To make their monthly outgoings more sustainable they have to get those debts paid down.

Low-cost ways to release equity in house under 55 years old

There are a lot of people looking for equity release mortgage under 55, this can typically be achieved by either a mortgage, a remortgage or secured loan. During May of last year, the UK government issued 3-year gilts which were purchased by investors at a negative yield of 0.003%. So, mortgage lending at just over 1% can be very lucrative for lenders which is previously unheard of.

UK lender equity release schemes under 55 borrowers

For UK residential property owners releasing equity from your home under 55 can be done easily with a mortgage, remortgage or secured loan. Some lenders offer cheap electronic valuations and no lenders fees to pay. With good proof of income, you can even achieve loan to values of over 90% allowing you to use your home equity for other more productive purposes.

Help releasing equity from your home under 55 lenders

There are many ways to do this and releasing equity in your home under 55 has never been easier at such historically low rates. If you already have a mortgage at a low rate especially if its interest only you should consider getting a 2nd charge secured loan at a very low rate.

Pitfalls of Lifetime Mortgages and equity release under 55

Lump-sum lifetime mortgages can reduce the inheritance for your family. Home reversion schemes may impact entitlements to benefits. You may need to pay a valuation fee and some products expose you to changes in interest rates.

Equity Release Loan To Value – release equity in house under 55

The more elderly you are and the sicker you are, the more cash you can release.

Equity release under 55

Because people want to borrow money against their home with no monthly repayments their is a significant demand for a lender is offering equity release mortgage under 55.  However, the best way to borrow money against your home is to get a conventional mortgage or low rate secured loan.


Key issues releasing equity in your home under 55 years old

Many people ask can I get equity release under 55? The short answer is likely yes very easily, equity release in house under 55 can be done in a few weeks.

If you do not have a mortgage on your home currently you can get a mortgage at a rate of around 1.7% APR without a big lenders fee and a small valuation fee. If you have a mortgage with a low monthly interest only payment you should consider a second charge secured loan or more recently called a second mortgage.

Help! Can I get equity release under 55?

What are my options for equity release if under 55? For many people, a re-mortgage is the most low-cost option if you can avoid paying a big lenders or brokers fee, as these costs are essentially cash thrown in the bin.