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2.41% Equity Release under 55 – Free Valuation – No Product Fees 2022

releasing equity in your home under 55

Frequent Finance specialises in flexible, low cost, low rate equity release under 55.  It doesn’t matter if you still have a mortgage and some options can have your cash in hand in days or weeks.

Use the money to improve your home, pay down debt, help your family buy their first home or any other purpose.

In addition to the lenders on the comparison sites like Legal and General,  LV (Liverpool Victoria),  One Family, Bridgewater, Crown, Marsden building society, Scottish building society, Frequent Finance have access to other lenders/insurance companies that have excellent terms.

  • Your Requirements

  • About You

Happy Customers with existing property

equity release for under 55

Mr Shaw from Bradford

I thought I was going to have to sell my home to pay back my mortgage as the bank wanted their money back. With the money left I could only afford a flat and I would have been further away from my daughter and her children. Downsizing was a bad idea for me.

My drawdown lifetime mortgage was ideal for me as I had no monthly repayments and I paid off my old mortgage.  I can get a drawdown for further smaller amounts.

I saved the cost of moving to a new flat where I would pay to move to a place I did not want. The no negative equity guarantee and equity release council assurances were very important to me. I am better off each month and have some tax-free cash ready if repairs to the house are necessary.  I did not want to pay ludicrous lenders fees.  The age limit was not a problem.


equity release under 50

William from Birmingham

My son knew a guy that owned 6 pubs. Because of successive lockdowns due to covid 19 coronavirus, he had to do a quick sale on his holiday home in Cornwall.

My equity release product money bought his flat at 35% under market value and not only does my family have the shared use of a holiday home, but the rental income is also much more than the interest on the equity release.

retirement interest-only mortgages

Mr Howarth from Leeds

I am healthy and have a good income from my pensions for later life. I decided to release money from my unencumbered home with a retirement interest-only mortgage (RIO mortgage), so I could get a new kitchen and bathroom and give money to my children so they could move house and buy bigger homes.

I did not have any problems with a minimum or maximum age requirement or affordability.

The interest rate was very low like a prime conventional mortgage from a bank or building society. The monthly payment was tiny compared with the rest of my outgoings. The whole process was authorised and regulated by the finance conduct authority.


releasing equity aged 52

Mrs Yardly from Sheffield

I had an old, tired car and a very unreliable central heating system. Repair bills continually mounted up meaning I had less money to spend on holidays and other nice things.

A friend said I should consider equity release, but I was put off about the horror stories of the roll-up/compounded interest destroying people’s homes.

When I did my own homework, I found in 2022 equity release interest rates were very low and the negative press was around people that had been ripped off with high rates of the past. Even if my house price only went up a little the roll-up interest would be covered.

The equity release enabled me to get a nice 3-year-old car and a new boiler, so I was not wasting money all the time on repairs!


equity release calculator uk under 55 aged 49

Mrs Heart from Aberdeen

I was struggling to pay my mortgage and had no money left at the end of the month for emergencies, let alone saving for a holiday.

I had investigated home reversion plans, but they did not appear to be the right solution. Equity Release plans for older borrowers with no monthly repayments was exactly what I wanted, and the interest rate was very low. I was able to pay off my mortgage.

I live in an area where house prices are going up nicely so keeping 100% ownership of my own home is wise. I am confident that my house price appreciation will be much bigger than my roll-up interest.


equity release calculator under 55 and aged 54


Release equity in house under 55

Now Brexit is behind us and the value of the pound is stabilising, releasing equity in your home under 55 at a low rate could be an excellent way to buy an overseas property.  At the age of 55 it’s not a problem.


change of use project

Equity release under 55 UK lenders

As interest rates are very low and the gap between the rich and the poor seems to be getting wider and wider it could be wise to copy the rich and buy stocks and shares using equity release schemes under 55.


Yorkshire mortgage at 55

UK equity release mortgage under 55

As further house price appreciation could easily cover money lost in loan interest, getting equity release for under 55 loan for renovations like a new kitchen or bathroom could prove a very low overall cost to you.



Equity release for under 55 loan – secured loans or unsecured loan?

If you think inflation is coming and paper money is going to lose value, releasing equity in your home under 55 to buy gold in the Perth mint could prove very lucrative especially if you can lock in a very low fixed interest rate.



release equity in house under 55


UK lenders for equity release schemes under 55

If you live in an area that is up and coming, or an area where rental yields are particularly attractive, releasing equity in your home under 55 can help you put a deposit down on a property in your area. If you able to lock in long term very low interest rates this is even more powerful.



PureRetirement mortgage at 55

Releasing equity from your home under 55

If you know your divorce or separation is going to involve paying out your partner but you want to keep your home a UK equity release mortgage under 50 could be an ideal way of keeping your home and meeting your commitments to your partner at a minimal cost.

OneFamily equity release under 55

Releasing equity in your home under 55

As more and more people are vaccinated against COVID-19, university students are likely back at university in September 2022. Buying your son or daughter a house with lots of bedrooms to rent out near a university could be an ideal use of the money raised by equity release under 55.


One Family over 50 equity release

Can I get equity release under 55?

Yes, and people are using this type of finance to pick up distressed assets at bargain prices even at aged 55. A recent case of the use of equity release under 55 involved the cash purchase of a holiday home. The flat was owned by a family that owned a small chain of Manchester pubs, but they needed the money to pay bills for the pubs so they sold for just over 70p in the pound.




UK residential property equity release if under 55

If you are under 55 you are still the age where you could consider levering up to buy more real assets instead of having equity parked dormant in a home.

If you can lock in low rates using an equity release mortgage under 55 and buy real assets like HMO properties or buy to let properties, or even shares in a property-owning company, in your retirement you could be a lot better off.

Does the equity release calculator under 55 show loan to value?

Yes, the equity release calculator under 55 shows ltv based on your home equity and age.  Equity release providers set rates above the 15 year gilt yield.



equity release mortgage under 55 House in Torquay


  • Your Requirements

  • About You

releasing equity in your home under 55s


hmo house mulitiple rooms




Types of equity release if under 55 include:

  • Drawdown tax free lump sum equity release deals
  • Lump-Sum type of equity release enhanced lifetime mortgage to pay other debts
  • Voluntary Repayment interest repayments based on the value of your property
  • No early repayment charges for lifetime mortgage products with a loan amount that is high
  • Home Reversion equity release mortgages to helped loved ones and home improvements

Yes, you can get 50% loan to value equity release to pay an existing mortgage or outstanding mortgage.

  • Interest Only cash lump sum debt secured against your home
  • Retirement Mortgages equity release options
  • 2nd Home financial advice based on your valuable asset
  • Ill Health financial adviser on property ownership
  • Under 60 cash reserve based on your property value

Many equity release providers have rates under 4% APRC.

  • Under 55 lump sum payment access money tied
  • Under 50 equity release loan are home equity loans
  • Under 45 equity release provider with one lump sum

Other terms from our lenders include:

  • Fixed, variable, tracker and discounted rates
  • The Marsden as an example has a variable rate of a tiny 2.39%
  • Hodge has rates including one currently at 3.35%
  • Some plans from Hodge offer No early repayment charges if you want to repay

Niche products for home improvements

  • Equity release under fifty from your Second Home or Buy to let property
  • Some programs have a free valuation on your house or flat
  • Voluntary repayments of up to 10%pa with No Penalty

Can I get equity release under 55?

Yes, there are some great rates from lenders not on the comparison sites.

  • Ongoing ownership of 100% of your home before long term care
  • Interest rates come from the whole of the market
  • Unique products with incentives to save you money
  • Free initial consultation with no commitment or credit checks

halifax equity release under 55

Release equity in house under 55 Lenders UK – get the maximum loan

It’s often found to find individuals looking for interest-only lifetime mortgages, monthly payment lifetime mortgage or lifetime mortgage with flexible drawdown cash release, however, Key Retirement like Zurich is eager to see paperwork to show your situation in the form of bank statements.

Equity release in a home under 55 is a widespread request for people that cannot afford a monthly payment, and need money without a commitment.

Popular lenders

  • Hodge Lifetime Mortgage Flexible Drawdown Plan
  • More to Life Capital Choice Plus Plan
  • Hodge equity release under 55 Plans
  • Pure Retirement Drawdown Plan
  • HSBC Equity Release Rates

Non high-street lenders

  • Lifetime Mortgage which is not a home reversion plan
  • Bridgewater equity release under 55
  • Just retirement defined benefit
  • More to Life Capital Choice Plus Plan
  • More to Life Flexi Choice Voluntary Payment Super Lite

Other Mortgage Products – second mortgage:

Does TSB offer Equity Release?

Yes, TSB Equity Release is 2% APRC.

Mainstream and niche lenders for equity release customers

High-street lenders with equity release advisers

If you can make monthly payments you can release equity at any age.    Fixed rate equity release is appealing to many people.


Does TSB offer Pensioner Mortgages?

Yes, TSB Pensioner Mortgages are 2.28% MER.


Does TSB offer Retirement Mortgages?

Yes, TSB Retirement Mortgages are 2.18% APRC.  You need to have good credit status and you must pay interest.

Yes, an equity release plan can depend on your loan to value as well.  Nationwide Mortgages For Over 60s

Metro bank

If you have an existing mortgage you can get a secured loan and make monthly loan repayments.  Most equity release plans require you to pay off your existing mortgage in full.  Yorkshire Building Society YBS Lifetime Mortgage

High-street lenders for jointly owned property

Equity Release Yorkshire Building Society YBS

Do TSB do Equity Release Under 55?

Yes, TSB Equity Release Under 55 for loft conversions is 2.04% APR.  You can transfer equity from your existing lender

Metro bank Lifetime Mortgage

Northern lenders to avoid home reversion schemes

Yorkshire Bank Scheme
YB-Yorkshire Bank Lifetime Mortgage

Does TSB offer Lifetime Mortgages for the youngest homeowner?

Yes, TSB do lifetime mortgages at 2.28% APR. TSB Lifetime Mortgages have a LTV of 60%.

You can borrow money against your home at any age as long as you have home equity.

To get equity release products you can be any age as long as you have money for legal fees, just ask an equity release advisor.

An equity release scheme is where a mortgage advisor looks for equity release lenders for the uk residential property market to get so you can release equity tied up in your home without problems with age limits and without the need for personal loans.

It is a loan secured on your home and the interest rolls up over time and adds to the loan.

How much equity released is the key for most people.  As long as you keep the loan to value low and keep your property ownership you have no need to worry about upper age limits and your existing borrowing.

This page does not constitute financial advice and is not considered financial advice.

Frequent Finance is not a lender.