Santander Equity Release Plans – 4.96% – Free Valuation

  • Release tax-free money from your home at 4.96% APRC fixed for life.
  • It is not necessary to make monthly payments with Santander Equity Release
  • Free home valuation
  • Help your family to buy a house
  • Still have a few more mortgage payments to make? We can help with that
  • No lenders fees
  • Stay living in your own home

How much money can I release?

You can release 65% of your home’s valuation. For example, if your house is worth £340,000, you can get £238,000.

  • 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
Money tied up in house

Hammersmith London House
Wandsworth London Family Home
West London Home with Equity
Access home equity tied up
Wandsworth London Family Home
  • 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
Lender Awards Finance Hunt UK

Does Santander offer Equity Release?

Yes, Santander does equity release at 1.96% APRC.

Does Santander do Equity Release Under 55?

Yes, Santander Equity Release under 55 is 1.96% APRC.

Using Home Equity Release to Make Investments – Santander Equity Release Schemes

  • More 2 Life Tailored Choice Plan
  • Santander Equity Release Plans
  • L&G Legal & General Flexible Max Plus
  • Royal Bank of Scotland Interest Only Lifetime Mortgage
  • Saga Equity Release Plans
  • Saga Equity Release Schemes
  • Age Partnership Equity Release Plans
  • More to life Flexi Choice Drawdown Lite Plan
  • Liverpool Victoria LV Equity Release Plans
  • Pure Retirement Classic Voluntary Payment Super Lite
  • NatWest Equity Release Plans
  • Aviva Lifestyle Flexible Option
  • Just Retirement Drawdown Lifetime Mortgage
  • HSBC Interest Only Lifetime Mortgage
  • Saga home reversion schemes
  • More 2 Life Capital Choice Plan

UK Lenders for Equity Release

  • the Telegraph
  • Step Change
  • the Telegraph
  • Crown
  • Santander Equity Release

Wealthy business owners who could benefit from equity release estate planning with Santander Equity Release

  • Retail sale of medical and orthopaedic goods in specialised stores, not including hearing aids n e c Westbury
  • Raising of horses and other equines Torpoint
  • Floor and wall covering Winslow
Legal & General - Flexible Blue


One Family Lifetime Mortgages

Just Equity Release

Canada Life Home Finance lifetime mortgage for properties in Scotland
Pure Retirement - Classic Lite
Pure Retirement Ltd lifetime mortgage
More to life - Flexi Choice Super Lite
Hodge Lifetime - Flexible Repayment Plan - NO Early Repayment Charges

Hard-to-finance home types include properties in the course of construction or pre-construction, properties where the owner is set up on a tenancy in common basis, leasehold properties where the lease length is currently unacceptable, leasehold properties (with the exception of flats and maisonettes), and properties with single-skin brickwork.

Many of the most appealing pensioner mortgage products are Lloyds mortgages for people over 70, Barclays Bank mortgages for pensioners, NatWest interest-only mortgages for people over 70, Legal & General later life mortgages, and Nationwide pensioner mortgages.

Difficult-to-mortgage home variants include timber-framed properties built before 1920, properties with externally applied insulation to the walls after construction, privately developed flats, maximum four-storeys with a lift, coach houses, i.e. freehold properties with garages beneath, and basement or lower ground-floor flats with level access to private or communal garden space.

Standard LTV percentages of Lloyds Bank mortgages for 60-year-olds, HSBC mortgages for those over the 70s, Post Office mortgages over 70s, Legal and General mortgages for over 65, RBS interest only mortgages for over 60s near London and Nationwide BS over 60-lifetime mortgages no fees are 45%, 60% and 70%.

Challenging to mortgage home titles include properties with outbuildings used for everyday domestic purposes (garage, workshop, stables, barn, etc), properties with flying or creeping freehold, which comprises 15% or less of the total floor area, properties without direct access to an adopted highway or which are accessed over an unmade road, properties that are being used for personal commercial use and properties which have been built on a previously contaminated land are acceptable provided the result of an environmental search determines the land to be clear of contamination.

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, properties without a kitchen or bathroom, properties of non-standard construction, timber buildings and missing planning permission or building regulations approval.

How much can I release?

You can achieve 65% of your property’s valuation. For example, if your house is valued at £340,000 you can get £204,000.

More to life - Capital Choice Plus Plan
Aviva - Lifestyle Flexible Option
more 2 life joint lifetime mortgage
more 2 life lifetime mortgage

What percentage can be released with Santander equity release schemes?

The more aged you are and the sicker you are, the more tax-free money you can release with Santander equity release schemes.

Lloyds Equity Release Mortgage

Drawbacks of Santander Equity Release Schemes

Monthly payment equity release can reduce your family’s inheritance. Interest-only lifetime mortgages may impact the ability to claim entitlements. You may need to pay a broker’s fee, and with some schemes, you could have higher rates to pay.

Canada Life Home Finance lifetime mortgage
Lloyds Equity Release

It is often found to discover people searching for lifetime mortgages with flexible drawdown cash releases, monthly payment lifetime mortgages or home reversion plans; however, Bower, like AIG Life, is keen to see paperwork to show your circumstances in the form of bank statements.

LV= Lump Sum+ Lifetime Mortgage

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

More to life - Capital Choice Plan
Legal & General - Flexible Pink

What percentage can be released – Equity Release Santander comparison?

  • 60% monthly payment Santander Equity Release
  • 35% loan to value monthly payment lifetime mortgage Bridgewater
  • 25% loan to value lumpsum lifetime mortgages Equifinance
  • 35% loan to value (LTV) monthly payment lifetime mortgage Vida
  • 55% Equity Release Santander
  • 30% loan to value lump sum lifetime mortgages Masthaven 1st Charge
Lloyds Equity Release Best Deals
Aviva lifetime mortgage with cashback
Premier Flexible Black
Pure Retirement - Classic Super Lite

What is the downside to equity release?

Santander equity release is a loan that has interest added on. So the downside is the interest on the loan.

Is equity release really a good idea?

It can be an excellent idea for people that need the money for repayment of another mortgage they can’t pay.

How does an equity release work?

You start by determining which Santander equity release product is best for you. Then, you get your home valued, apply for a mortgage, and have the underwriting team sign off on the release of funds.

What does Martin Lewis think of equity release?

He advises caution.

What are the different types of lifetime mortgages?

The different types of Santander lifetime mortgages are roll-up interest or with interest-only payments.

Towns in the UK where Santander Equity Release is popular

  • Paddock Wood
  • Dawley
  • Abingdon-on-Thames
  • Leigh-on-Sea
  • Birkenhead
  • Aylesbury
  • Heathfield
  • Haywards Heath
  • Silloth
  • Woburn Sands
  • Kendal
  • Jarrow
  • Brigg
  • Newton Aycliffe
  • Potton
  • Havant
  • Mitcham

Release Equity In House Under 55

How To Release Equity In My House

Does Santander offer mortgages up to 85?

Yes, Santander does mortgages up to 85 at 1.82% MER. Santander mortgages up to 85 have a loan-to-value (ltv) of 60%.

Does Santander offer later life lending to people Under 55?

Yes, Santander later life lending Under 55 is 2.14% APRC.

Does Santander offer mortgages over 70?

Yes, Santander mortgages over 70 are 1.99% MER.

Does Santander offer mortgages over 75?

Yes, Santander mortgages over 75 are 2.22% APR.

Does Santander offer later life lending?

Yes, Santander’s later life lending is 1.96% APR.

What are Santander rates for retirement mortgages?

Santander’s interest rates for retirement mortgages are 2.19% APRC.

Does Santander have good reviews for pensioner mortgages?

Yes, Santander reviews are commendable for pensioner mortgages.

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

Yes, the Santander RIO mortgage calculator shows a good loan to value of 75%.

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

No, Santander retirement interest only mortgage advisors are free.

Does Santander do mortgages over 60?

Yes, Santander mortgages over 60 are 2.29% APR.

Does Santander do mortgages over 55?

Yes, Santander mortgages over 55 are 2.05% MER.

OneFamily joint lifetime mortgage

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How do equity release plans work?

UK equity release providers offer loans to homeowners in retirement without monthly payments. The interest is added to the loan.

What are the pitfalls in equity release?

The size of your estate will reduce, your benefits may be impacted, and you may have to pay fees.

Are equity release plans any good?

They are ideal for many people who need the money to pay off an old mortgage that is nearing the end of its term. They can also be good for managing inheritance tax bills.

What is the best type of equity release?

It would help if you looked hard at equity release interest rates, as some lenders’ rates are much higher than others. There are equity release companies to avoid.

What is an equity release plan?

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

What is a lifetime mortgage?

It is a mortgage that has no monthly payments. Its term is the rest of your life.

How does an equity release mortgage work?

You get your home valued and find a lender with the best rate. You need a solicitor, and when it’s all approved, you get the money in your bank. The equity release calculator will help determine how much money you can get.