5.57% UK Homeowner Equity Release Under 55 – NEW LENDER

Are you seeking an Equity Release under 55 at 5.57% APR from December 1st 2025?

Equity Release under 55

Maybe you are in your 40s or 50s and own a home with some equity. Most equity release websites are not interested in people under 55. Ravenwood has more options.

  • The minimum amount to release is only £5000
  • A new lender not on the comparison sites
  • Do you still have a mortgage? No problem
  • A tax-free lump sum of money
  • Continue to live in your own home
  • You can use the money for anything you choose, including holidays, home improvements, a car or motorhome purchases, or helping the family buy their own home.

How much can I release?

You can get 70% of your property’s value. For example, if your house is valued at £350,000, you can borrow £245,000.

  • Your Requirements

  • About You

release equity in house under 55

equity release mortgage under 55

More reasons to release equity in house under 55

  • Your Requirements

  • About You

With value evident in the overseas property market, getting an equity release mortgage under 55 could be wise for a deposit on a property in Spain, Greece, or Italy.

Ravenwood can help you release the capital locked up in your home.  We aim to better all offers from More2Life, Pure Retirement, Hodge, LVE (Liverpool Victoria), Just, Retirement Advantage, Nationwide, Legal & General, Aviva, Retirement Plus, and One Family.

There is a lot of demand for equity release under 55 as interest rates are meagre, and base rates could still go negative.

If your 40-year-old equity release is more complicated, Ravenwood Services may still have options even if you have a bad credit history.

Other lenders and insurance companies may consider your equity release application at ages 51, 52, 53, 54, 55, 56, 57, 58, 59 or 60.

Lifetime mortgages, equity release if under 55 and home reversion are becoming increasingly popular as people’s homes are so valuable they have a lot of equity in them.

  • Fixed, variable or tracker rates
  • Automated valuation on some deals
  • Easy applications
  • Many plans don’t ask a lot of questions

The COVID-19 coronavirus vaccine rollout has seen new lenders appear for Equity Release Under 55

Now that Brexit is behind us, and more and more people have been vaccinated against coronavirus, new residential property lenders are in the equity release under the 55 market.

Do you need an equity release mortgage under 55 because of divorce or separation? Or maybe you want an equity release scheme under 55 for a deposit on another property, for a family member, or to rent out.



How much cash can I get?

You can get 60% of your home’s valuation. For example, if your house is valued at £320000, you can release £192000.

Release equity in house under 55

Some of the most common LTV percentages of LV= equity release schemes for over 55s, More2Life help to buy for over 60s, One Family remortgages for people over 50 years old, Yorkshire Building Society interest-only mortgages for over 65 year olds, Metro Bank interest-only mortgages for people over 60, and Axa remortgages for people over 50 years old are 50%, 60%, and 65%.

Some of the most common LTV percentages of Lloyds over 60-lifetime mortgages with no fees are Barclays Bank mortgages over 70s, Post Office mortgages over 70s, Legal and General mortgages for pensioners over 60, Royal Bank of Scotland mortgages for 60 year olds and Nationwide BS retirement mortgages over 70 are 50%, 60% and 65%.

Many of the most appealing retirement finance offerings are TSB help-to-buy for those over 60, HSBC mortgages for over 70s, Halifax interest-only mortgages for those over 60 near London, L&G lifetime mortgages, and Nationwide Building Society retirement interest-only mortgages.

What type of equity release deals are best for you, and how is the value of your property key relative to the cash lump sum key?

There are many types of equity release product options, and you may or may not need to make interest repayments. Getting financial advice before you get debts secured against your home is best. You should also consult your loved ones. The interest rate can be meagre, depending on the loan value and whether you are in later life.

Equity release for under 55

Secured Loans which could be used for Equity Release Under 55

Metrobank Secured Loan
NatWest Bank Secured Loan
No Broker Fees Secured Loans
HSBC Bank Bridging Loans
Co-operative Bank Secured Loan
Halifax Secured Loan
No Broker Fees Secured Loans
Lloyds Bank Secured Loan

Mortgages and Equity Release Under 55 options

Non-Status Mortgages
Self Cert mortgages

Typical LTV percentages of Aviva mortgages for those over 65, Shepherds Friendly mortgages for those over 65, Churchill pensioner mortgages over 70, Skipton Building Society interest-only retirement mortgages for those over 70, Newcastle Building Society mortgages for those over 60s, and Cumberland Building Society interest-only lifetime mortgages for those over 70s are 50%, 55% and 70%.

Interest Only Buy to Let Mortgages
Remortgages from Ravenwood Services
High Loan to Value Buy to Let Property Mortgages

Debt consolidation loans are an alternative to Equity Release Under 55

Hard-to-mortgage home variants can include poorly maintained at the time of the valuation inspection, properties where multiple third parties are living in an annexe, leasehold properties (England, Wales, Northern Ireland) subject to a lease length of 160 years, leasehold properties (except flats and maisonettes) and freehold flats (England, Wales, Northern Ireland).

Equity Release Mortgage Under 55

People under 55 are looking for equity release to take advantage of low interest rates. They want money to invest in more productive assets, such as the stock market.

Difficult-to-mortgage property variants include complex roof structures, properties with single-skin brickwork where the single skin comprises more than 20% of the surface area of the external walls, studio flats located within the M25, freehold/freehold flats (Scotland only) and freehold flats (England, Wales, Northern Ireland).

Tough-to-finance home variants can include grade ll Listed houses (grade C in Scotland and B2 in Northern Ireland), properties with flying or creeping freehold that comprises 15% or less of the total floor area, grades l and ll* Listed Buildings in England & Wales (Grades A and B in Scotland; A, B+ and B1 in Northern Ireland), properties being used for personal commercial use, and properties where Japanese Knotweed is present.

equity release under 55

Does Barclays do Lifetime Mortgages?

Yes, Barclays offers lifetime mortgages at 5.17% APRC. A lifetime mortgage may include a lump sum without a negative equity guarantee.

Do Barclays do Equity Release Under 55?

Yes, Barclays Equity Release Under 55 is 5.17% APR.

https://www.moneyadviceservice.org.uk/en/articles/equity-release  advice on Equity Release under 55

Releasing equity in your home under 55

  • Your Requirements

  • About You

Debt Consolidation Loan Uk Bad Credit

Because of the continued strength in the UK property market and very low interest rates, lenders want to lend against residential real estate in the UK. It is common to find people under 55 releasing equity from their homes because of low rates and a rising stock market.

Challenging home titles to finance include properties that will be assessed for flood risk, leasehold properties with a short lease, typically less than 70 years, or a defective lease, derelict properties or buildings where part of the building is in severe disrepair and needs demolishing, timber buildings, and concrete frames.

Interest Only Mortgages For Over 70S

Loans Bad Credit No Guarantor Direct Lender

Main residence finance key considerations:

  • Similar to lifetime mortgage products
  • The value of your home is key to the loan amount
  • The equity release options could mess up means-tested benefits
  • A drawdown lifetime mortgage is likely authorised and regulated by the Financial Ombudsman Service and FCA
  • Equity release advice may highlight issues with your state benefits and the costs if you move home
  • Equity release mortgages may need to be paid off if you die or move into long term care
  • Early repayment charges can further erode your property value
  • A home reversion plan from a reversion company could be a bad idea if property prices carry on rising
  • Home reversion plans are only available to much older people and it could affect your benefits
  • The equity release council have strict requirements of their members that people may need that a financial adviser will explain.
  • The lump sum payment to the equity release customers could be a way to help family members have lower monthly repayments of their own
  • Depending on your home’s market value, an equity release adviser could tell you how much money you could release from your home to create a cash reserve.
  • An equity release loan can be key to your retirement planning but some lenders are fussy about your property type
  • The financial conduct authority have a keen eye on all equity release plans
  • Equity release advisers should have an in-depth knowledge of all equity release providers that offer lump sums and flexible drawdown options
  • If you want to borrow money in smaller amounts, you should find out how much you can borrow with an unsecured personal loan.
  • If you take the money in one lump sum, this may not be the wisest decision; you should release what you need and then take drawdowns as needed.
  • Most equity release products will require a home valuation
  • An equity release provider is likely part of an established trade body that will ensure you will never owe more than your home is worth
  • One of the things to consider is taking out an equity release may affect your entitlement to free money from the state
  • To work out if equity release is the right thing for you, you must understand that the amount you owe will go up over time, and for some circumstances, the equity release cost is relatively high
  • You should get in touch with Ravenwood if you want to find out how much equity you can release

Can I get equity release under 55 in 2025?

Yes, in 2025 there are more equity release schemes under 55 than there were in 2025.

Milo Fisher from Salford here. I secured an equity release even though I’m under 55, specifically for debt consolidation, through Ravenwood Services. Their straightforward calculator showed me the low-interest rates I could take advantage of. With no upfront fees and a free valuation, it was an offer I couldn’t overlook. The loan-to-value ratio was favourable, and the fact that no monthly repayments are required made this option work for my situation despite my bad credit history.

Isaac Carr with a new property

Isaac Carr from Exeter here. My journey with Ravenwood Services to get an equity release under 55 was successful. Their service was impeccable, with a keen attention to detail and an understanding of my need for a flexible solution. Their process, which did not include a credit check, allowed me to manage my finances better without the pressure of immediate repayments.

Muhammad Conway’s Experience with no regular payments

Bradford’s own Muhammad Conway is here. I used the equity release calculator under 55 provided by Ravenwood Services and was pleased to find a solution that worked for someone under 55 like myself. The terms were clear, there were no hidden fees, and they offered a free valuation, deciding to proceed much more effortlessly.

Review from Henry Sykes – excellent product standards

It’s Henry Sykes from York. When I needed an equity release mortgage and I was under 55, I turned to Ravenwood Services. The financial flexibility I’ve gained, without needing monthly repayments, has been a game changer for my retirement planning.

Felix Slater Speaks Out about No Early Repayment Charge

Hello, Felix Slater from Truro here. I utilised Ravenwood Services’ equity release calculator under 55 and found their terms highly favourable. The process was tailor-made for older individuals, offering low-interest rates and a plan without monthly repayments, which fit my financial strategy perfectly.

Jaxon Kelly from Belfast – no application fee

I’ve worked with Ravenwood Services as an equity release specialist. They explained the types of equity release available clearly, and it was reassuring to see their accreditation with the Equity Release Council. The low interest rates and the value of my home were carefully considered, leading to a tailored solution. As someone who appreciates detailed equity release advice, I found their expertise invaluable.

Reflections by Felix Blake of Gloucester – no interest payments

When I approached Ravenwood Services, the no negative equity guarantee was a significant factor. It’s essential to work with an equity release provider that ensures the debt never exceeds the value of your home. As I learned from my equity release adviser, this guarantee is a safety net that gives me peace of mind.

Rowan Naylor’s Thoughts from Wales – my age and the value of my home were fine.

My experience with Ravenwood Services focused on loans secured against your home. Their advice was grounded in extensive knowledge, and they made sure I understood how my existing mortgage would interact with the equity release. Their guidance was clear, unbiased, and aligned with the recommendations of the Trustpilot reviews.

Insights from Henry Mills in Sheffield – aged 55

Working with Ravenwood Services on specialist equity release under 55 has been a strategic move for my financial planning. The advice was specific to my circumstances, ensuring the solution fit my long-term goals. The integrity and knowledge of their advisers are evident, echoing the positive sentiment seen on reviews.io.

Isla Riley’s Experience in Sunderland – no monthly payments

With their informative guidance, I decided to take out equity release under 55 with Ravenwood Services. Their advisers took the time to discuss my home’s value, the potential impact on my estate, and how this fits into my overall retirement strategy. Reading through Google reviews, I felt confident in my choice, knowing I had a knowledgeable team supporting me.