4.79% HSBC Lifetime Mortgage With Free Valuation In 2024

hsbc Lifetime Mortgage
  • Release money from your house with an HSBC Lifetime Mortgage.
  • There is no need to make monthly payments unless you want just to pay interest
  • Help your family get a deposit for their own home
  • Continue to stay in your house for as long as you like
  • Low variable rates and competitive fixed rates
  • 4.79% Fixed for life
  • No lender fees
  • No valuation fee

Equity release loan to value?

You can achieve 65% of your home’s valuation. For example, if your house is worth £310,000, you can release £217,000.

  • Your Requirements

  • Please enter a number from 5000 to 2000000000.
  • Please enter a number from 70000 to 10000000.
  • About You

Variable rate 2.19% APR

HSBC Lifetime Mortgage schemes
mortgage work a lifetime
later life
types of lifetime mortgage

HSBC Lifetime Mortgage interest rates

An HSBC Lifetime Mortgage can be an ideal solution for people in retirement who are asset-rich and cash-poor.  The money you release can be used for anything you like – releasing equity is easy.

Lender Awards Finance Hunt UK

  • Your Requirements

  • Please enter a number from 5000 to 2000000000.
  • Please enter a number from 70000 to 10000000.
  • About You

bank account
die or go into long term care
entitlement to means tested benefits
Canada Life Home Finance lifetime mortgage for properties in Scotland

Canada Life Lifetime Mortgages

Wealthy business owners who could benefit from equity release tax planning

  • Research and experimental development on biotechnology Blackwater and Hawley
  • Manufacture of caravans Helston
  • Mineral oil refining Soham
  • Travel agency activities Cotgrave
  • Cargo handling for air transport activities Greater Willington
  • Retail sale of carpets, rugs, wall and floor coverings in specialised stores Upton-upon-Severn
  • Mining of iron ores Burford
  • Wholesale of hardware, plumbing and heating equipment and supplies Wellingborough
  • Taxi operation Buxton
  • Buying and selling of own real estate Newport
  • Sea and coastal freight water transport Wainfleet All Saints
  • Processing and preserving of fish, crustaceans and molluscs Woodbridge
  • Activities of financial services holding companies Walton-on-Thames
  • Retail sale of mobile telephones Nelson
  • Logging Crook
  • Operation of historical sites and buildings and similar visitor attractions in Northwich
  • Other urban, suburban or metropolitan passenger land transport not underground, metro or similar Wembley
  • Social work activities without accommodation for the elderly and disabled Masham
  • Agents selling agricultural raw materials, livestock, textile raw materials and semi-finished goods Tonbridge
  • Manufacture of other electronic and electric wires and cables Congleton
  • Manufacture of compressors Hastings

The mortgage lender will want to know if the property is a Freehold house or a Leasehold flat with a share of freehold and if the resident is an Assured shorthold tenancy tenant.

Type of Equity Release LTV and home improvement options without an early repayment charge

  • 60% interest-only lifetime mortgages Old Mutual Wealth with loan early repayments – long-term loan
  • 45% loan to value monthly payment lifetime mortgage Bridgewater – council tax benefit impact
  • 35% LTV monthly payment equity release Prudential later life lending with no legal fees
  • 25% loan to value (LTV) lump sum lifetime mortgages Clearly Loans with fixed interest rates with no early repayment charges
  • 25% loan to value (LTV) monthly payment equity release Spring Finance with monthly repayments with no arrangement fee
  • 25% loan to value (LTV) lifetime mortgage with flexible drawdown cash release Bank of China UK with a fixed interest rate – large lump sum
  • One Family lifetime mortgage products – works with free independent legal advice.
  • More to life loan amount with no completion fee
  • Age Concern cash sum regardless of personal circumstances
  • LV Liverpool Victoria works a lifetime mortgage
More to life - Capital Choice Plus Plan

Towns where Lifetime Mortgages are popular

  • Kettering
  • Bridlington
  • Strood
  • Newlyn
  • Market Deeping
  • Ponteland
  • New Alresford
  • Wirksworth
  • Leyton
  • Haverhill
  • Melksham
  • Christchurch
  • Oldbury
  • Thaxted
  • Acle
  • Kirkby-in-Ashfield
LV= lifetime mortgage interest is charged
Canada Life - Lifestyle Gold interest added to the loan
Pure Retirement Ltd lifetime mortgage pension pot
More to life - Capital Choice Plan

Equity Release Loan To Value

The more aged you are and the more illnesses you have you are, the more money you can release.

  • Canada Life Landlord Voluntary Select Plan low lifetime mortgage rates
  • Just Retirement Equity Release regulated by the prudential regulation authority
  • Aviva Equity Release Schemes with voluntary payments
  • Hodge Equity Release Schemes with a low average interest rate
  • Pure Retirement Classic Drawdown Lite Plan
  • TSB Equity Release Plans with no mortgage payments
  • Age Partnership Equity Release Schemes with interest monthly payments
  • More to life Flexi Choice Voluntary Payment Super Lite
  • Just Retirement Drawdown Lifetime Mortgage
  • L&G Legal & General Flexible Plus Lifetime Mortgage
  • Liverpool Victoria LV Equity Release Schemes with one lump sum

UK HSBC lifetime mortgages

  • Stonehaven Equity Release – get tax-free cash
  • Lloyds Bank Lifetime Mortgage with Lifetime Mortgage calculator
  • TSB Equity Release: find how much equity you can release
  • HSBC lifetime mortgages lump sum lifetime mortgage
  • Saga home reversion plan most lifetime mortgages
  • Aviva Lifetime Mortgages for Pensioners – borrow money secured on your home
  • Canada Life Interest Select Gold Flexi enhanced lifetime mortgage
  • Liverpool Victoria LV= Flexible Lifetime Mortgage
  • Nationwide Interest Only Lifetime Mortgage
  • HSBC Lifetime Mortgage Equity Release scheme
  • Lloyds Bank Equity Release Plans with Equity Release Calculator
  • More 2 Life Flexi Choice Drawdown Lite Plan – release tax-free cash.
Aviva lifetime mortgage
More to life - Tailored Choice Plan
Just lifetime mortgage
more 2 life lifetime mortgage

Drawbacks of HSBC lifetime mortgages

Lump-sum lifetime mortgages can reduce the value of your estate. Lump-sum lifetime mortgages may impact the ability to claim entitlements. You may need to pay a valuation fee, and you could be exposed to changes in interest rates with some products.

Individuals are often found searching for home reversion plans, lump sum lifetime mortgages, or lifetime mortgages with flexible drawdown cash release; however, Sunlife Plans like AIG Life are keen to see paperwork showing your situation in the form of investment statements.

equity release plan
secured against your home

Hard-to-mortgage home variants can include properties where proposed building works have not yet commenced, entirely tenanted properties, feuhold/freehold properties (including flats) in Scotland, properties with unregistered titles subject to these being registered as part of the legal process and properties where the borrower(s) own the freehold with any connected party.

Some of the most common pensioner mortgage products are TSB lifetime mortgages, Barclays Bank retirement mortgages, NatWest mortgages for pensioners, Legal & General mortgages for over 50-year-olds and Nationwide Building Society lifetime mortgages.

Rugged to mortgage home types include pre-fabricated reinforced concrete (PRC), properties with any external treatment applied to the roof after construction, privately developed flats, a maximum of four storeys with a lift, privately developed flats in blocks of five storeys or more and privately developed flats in blocks of three or four storeys without a lift.

Some of the most common loan-to-value percentages for TSB mortgages over 65, Barclays Bank equity release schemes for those over 55, Post Office retirement mortgages over 70, Legal & General mortgages for people 60 plus, RBS mortgages for 60 plus, and Nationwide mortgages for those over 50-year-olds are 50%, 55%, and 65%.

Challenging to mortgage property titles include properties with land in addition to the domestic grounds up to a maximum property size of five acres, where the land is for everyday domestic use, properties converted from modern commercial premises, properties without direct access to an adopted highway or which are accessed over an unmade road. These properties have solar farms or many wind turbines on the land and properties in coastal areas that may be affected by erosion.

Tough-to-finance home titles can include properties with a sinking fund of 7% or more of the property sale price when the property is sold, high service charges – properties where the Service Charge per annum at the time of application is more than 2% of the property value, properties of non-standard construction, thatched buildings and Airey, Boot, Cornish Unit, Dorran, Dyke, Gregory, Hamish Cross, Myton, Newland, Orlit and Parkinson Frame.

How much cash can I get?

You can borrow 65% of your home’s value. For example, if your house is worth £290,000, you can get £203,000.

type of equity release
release equity from your home
affect your tax position
retirement articles

Equity Release Calculator Under 55

How To Release Equity On My House

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Does HSBC offer Lifetime Mortgages?

Yes, HSBC does lifetime mortgages at 2.19% APR.

Does HSBC offer Equity Release Under 55?

Yes, HSBC Equity Release under 55 is 2.19% MER.

Does HSBC offer mortgages up to 85?

Yes, HSBC offers mortgages up to 85 at 2.27% MER and a loan-to-value (LTV) of 55%.

Does HSBC do later life lending to those Under 55?

Yes, HSBC later life lending Under 55 is 1.95% MER.

Does HSBC do mortgages over 70?

Yes, HSBC mortgages over 70 are 1.84% MER.

Does HSBC do mortgages over 75?

Yes, HSBC mortgages over 75 are 2.24% APR.

Does HSBC do later life lending?

Yes, HSBC’s later life lending is 2.12% APR.

What are HSBC interest rates for retirement mortgages?

HSBC interest rates for retirement mortgages are 2.28% APR.

Does HSBC have positive reviews for pensioner mortgages?

Yes, HSBC reviews are splendid for pensioner mortgages.

Does the HSBC Rio mortgages calculator show the loan to value?

Yes, the HSBC RIO mortgage calculator shows a positive loan to-value of 75%.

Does an HSBC retirement interest only mortgage advisor charge a substantial fee?

No, HSBC retirement interest only mortgage advisors are free.

Does HSBC offer mortgages over 60?

Yes, HSBC mortgages over 60 are 2.13% MER.

Do HSBC offer mortgages over 55?

Yes, HSBC mortgages over 55 are 2.1% APRC.