4.92% Fixed NatWest Equity Release in 2024 – Free Valuation

UK NatWest equity release schemes
  • Remove tax-free equity from your house at 4.92% fixed with NatWest equity release
  • Free home valuation
  • No lender fees
  • You don’t need to make regular monthly payments unless you want to
  • Use the money for anything you like
  • Continue to live in your own home for as long as you like

How much can I get?

You can achieve 70% of your property’s valuation. For example, if your house is valued at £230,000, you can release £161,000.

  • Your Requirements

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

Lender Awards Finance Hunt UK
Cash tied up in home
Raise money with your home
Merton House
London Home Finance
Merton House
Wandsworth London Family Home
Old money home in London
  • Your Requirements

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

Lender Awards Finance Hunt UK

Do NatWest do Equity Release?

Yes, NatWest does equity release at 2.13% APRC.

Does NatWest offer Equity Release Under 55?

Yes, NatWest Equity Release under 55 is 2.13% APR.

What percentage can be released?

  • 50% home reversion plans Legal & General
  • 40% loan to value lifetime mortgage with flexible drawdown cash release Prudential
  • 55% LTV home reversion schemes Legal and General
  • 25% loan to value lump sum lifetime mortgages Clearly Loans
  • 30% LTV lumpsum lifetime mortgages Vida Homeloans
Nationwide Equity Release Plans
Nationwide Equity Release Brokers Uk

Retired business owners who may be interested in lifetime mortgages

  • Manufacture of ceramic insulators and insulating fittings Haxby
  • Publishing of directories and mailing lists Featherstone
  • Non-scheduled passenger air transport Peterlee
  • Demolition Woodley
More to life - Capital Choice Plan

Equity Release UK Lenders

  • Just Retirement
  • Step Change
  • the Telegraph
Premier Flexible Black
LV= Flexible Lifetime Mortgage
LV= Lump Sum+ Lifetime Mortgage
Legal & General Home Finance lifetime mortgage
Canada Life Home Finance lifetime mortgage

Hard-to-mortgage property variants can include poorly maintained properties at the time of the valuation inspection, properties where the owner is set up on a tenancy in common basis, leasehold properties where the lease length is currently unacceptable, properties where the customer is offering only part of the title as security for the loan, and freehold flats (England, Wales, Northern Ireland).

Some of the most popular retirement loan offerings are Lloyds over-60 lifetime mortgages, Barclays Bank pensioner mortgages, NatWest later life interest-only mortgages over 60, Legal & General mortgages over 65, and Nationwide Building Society interest-only lifetime mortgages.

Complex to mortgage property types can include pre-fabricated reinforced concrete (PRC), properties with spray foam insulation applied to the underside of the roof, steel frame/clad properties built before 1990, studio flats outside the M25 and properties where the flat is accessed via a deck or balcony.

The popular LTV percentages of Lloyds interest-only mortgages for people over 70, Barclays Bank mortgages for 60-year-olds, Halifax interest-only mortgages for over 60s, Legal & General retirement mortgages over 65, Bank of Scotland remortgages for people over 50, and Nationwide interest-only mortgages for people over 60 are 40%, 60%, and 70%.

Challenging to mortgage property variants can 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 with flying or creeping freehold, which comprises 15% or less of the total floor area, agricultural use of the land and any outbuildings, properties with mobile phone masts which are not within influencing distance of the house and properties that have a private water supply provided a contract is in place with an approved maintenance company for regular testing and maintenance.

Tough-to-finance property variants include properties with legal agreements such as Overage, Clawback, Option, Pre-emption, or any onerous Restrictive Covenant, ground rent where the lease or any deed varying the lease provides for a ground rent exceeding, or where the escalating provisions would result in the ground rent exceeding £250 per annum (or £1000 per annum where the property is in Greater London), properties with structural problems, timber buildings and missing planning permission or building regulations approval.

Loan to value for equity release?

You can achieve 70% of your property’s value. For example, if your house is worth £250,000, you can release £175,000.

Legal & General - Flexible Yellow
Just Retirement - Roll-Up Lifetime Mortgage
Legal & General - Flexible Blue
Canada Life - Lifestyle Gold
Aviva lifetime mortgage with cashback
Aviva lifetime mortgage

It is usual to encounter individuals searching for lifetime mortgages with flexible drawdown cash release, lump sum lifetime mortgages or home reversion schemes; however, Aviva, like Zurich, is keen to see paperwork to show your circumstances in the form of investment statements.

Flexible Drawdown Equity Release – NatWest interest only mortgage

There is a NatWest equity release scheme that can help you remove the money you need from your home at very low rates, near those available for conventional mortgages.

Towns in the UK where NatWest Equity Release are common

  • Bletchley and Fenny Stratford
  • Alford
  • Maryport
  • Kenilworth
  • Crewe
  • Oldham
  • Corringham
  • Blackwater and Hawley
  • Hayle
  • Earley
  • Woodstock
  • Earl Shilton

Equity Release NatWest similar products

  • L&G Legal & General Premier Flexible Lifetime Mortgage
  • Pure Retirement Equity Release
  • Stonehaven Interest Select Plan
  • Lloyds Bank Equity Release Plans
  • More to Life Flexi Choice Drawdown Lite Plan
  • Canada Life Prestige Flexi Option
  • Hodge Lifetime Flexible Voluntary Repayment Plan
  • L&G Legal & General Flexi Max Voluntary Repayment Plan
  • Stonehaven Equity Release Plan
  • Nationwide Equity Release
  • Lloyds Bank Equity Release
  • More to Life Capital Choice Plan
  • Natwest interest only mortgage
  • Canada Life Second Home Voluntary Select Plan
  • L&G Legal & General Flexible Max Scheme
  • Liverpool Victoria LV Equity Release Plans
  • Royal Bank of Scotland Equity Release Schemes
  • Age Partnership Equity Release Plans
  • Aviva Lifetime Mortgages
  • Bridgewater Equity Release
  • Pure Retirement Equity Release
  • Lloyds Bank Lifetime Mortgage
  • TSB Equity Release Schemes
  • NatWest Lifetime Mortgage
  • Royal Bank of Scotland Interest Only Lifetime Mortgage
  • NatWest Equity Release
Legal & General - Flexible Indigo
Nationwide Equity Release Scheme
Hodge Lifetime - Lump Sum Lifetime Mortgage

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

Pure Retirement - Classic Super Lite

Equity Release Loan To Value NatWest Equity Release

The more elderly you are and the unhealthier you are, the more tax-free money you can release.

Downsides of NatWest Equity Release Plans

A NatWest Equity Release scheme can reduce your estate value. Home reversion schemes may impact the ability to claim entitlements. You may need to pay a solicitor’s fee, and you could have higher rates to pay with some schemes.

More to life - Tailored Choice Plan

Canada Life Lifetime Mortgages

Legal & General Home Finance lifetime mortgage

How To Release Equity In My House

Release Equity In House Under 55

Does NatWest do mortgages up to 85?

Yes, NatWest do mortgages up to 85 at 2.24% APRC. NatWest mortgages up to 85 have a loan-to-value of 65%.

Does NatWest do later-life mortgage lending to people Under 55?

Yes, NatWest later life lending Under 55 is 2.04% APRC.

Does NatWest do mortgages over 70?

Yes, NatWest mortgages over 70 are 1.89% APRC.

Does NatWest do mortgages over 75?

Yes, NatWest mortgages over 75 are 2.11% APR.

Does NatWest do later life lending?

Yes, NatWest’s later life lending is 1.84% MER.

What are NatWest interest rates for retirement mortgages?

NatWest interest rates for retirement mortgages are 2.15% APR.

Does NatWest have positive reviews for pensioner mortgages?

Yes, NatWest reviews are superb for pensioner mortgages.

Does the NatWest Rio mortgage calculator show the loan to value?

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

Does a NatWest retirement interest only mortgage advisor charge a substantial fee?

No, NatWest retirement interest only mortgage advisors are free.

Does NatWest offer mortgages over 60?

Yes, NatWest mortgages over 60 are 2.18% APRC.

Does NatWest offer mortgages over 55?

Yes, NatWest mortgages over 55 are 2.18% APR.

Legal & General - Flexible Pink

What are the pitfalls of equity release?

Your lifetime mortgage will impact the value of your estate and you will pay compound roll up interest. The money released also may impact your means tested state benefits.

What are the 2 types of equity release?

A retirement mortgage is similar to a normal mortgage and equity release has roll up interest where the interest is added to the loan.

Is equity release really a good idea?

Yes, it can be a good idea for some people, for example, people that are doing inheritance tax planning or people with an existing mortgage they need to pay off.

How does an equity release scheme work?

You find a registered advisor, get a home valuation, and decide which equity release scheme is best for you.

What is equity release?

It’s a way to unlock tax-free cash in your home. It is a loan you pay back when you die or go into long-term care from the proceeds of the sale of your home.

How does a Natwest equity release mortgage work?

You simply go into your local Natwest branch and ask for their help.

What are the different types of lifetime mortgages?

You can get Natwest lifetime mortgages or Natwest interest-only lifetime mortgages. The interest-only product requires a monthly interest payment. It would help if you considered all types of equity release schemes you are offered.

What is a just for you lifetime mortgage?

It is a loan secured against your home with no monthly payments.

What are the disadvantages of an enhanced lifetime mortgage?

The rates are higher than a normal roll up lifetime mortgage.

What is the difference between lifetime mortgage and equity release?

If you are interested in releasing equity from your home, a lifetime mortgage and an RIO mortgage are products you could consider.

How much can you get on a lifetime mortgage?

You can get up to 60% of the value of your home.

Can you pay back a lifetime mortgage?

Yes, you can pay back a lifetime mortgage.

Do banks do a lifetime mortgage?

Yes, many banks do including Natwest bank. A Natwest lifetime mortgage can have very low rates.

Is equity release the same as a lifetime mortgage?

For people that want to release home equity a lifetime mortgage is one option.

How does a lifetime mortgage work?

It is a loan secured on your home with a legal charge. It has no monthly repayments.

How to get a lifetime mortgage in 2024?

You find an advisor. You get your home valued. You apply for the mortgage and hopefully the lender releases the funds.

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