Halifax Equity Release

Apply for Halifax Equity Release

Compare Halifax products with other products from big names like Legal and General, Aviva, More2Life, Just and Hodge

  • No monthly payments
  • You don’t need to be an existing customer of the Halifax
  • Get at a cash lump sum or a monthly income from your home equity
  • All money released is tax-free
  • Spend the money on whatever you like
  • Help your family buy their first home
  • Still, have a mortgage your paying?  No problem!
  • Your Equity Release Requirements

  • About You

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Seeking guidance when you want a re-finance

Its often found to find individuals seeking out lousy credit remortgages, adverse credit remortgages or horrible credit remortgage loans however mortgage lenders like United Trust Bank are keen to see proof of income in the form of universal credit letters, p60 or accounts.

Proof of income:

Loan companies such as Equifinance, Masthaven or United Trust Bank often accept paperwork to show monthly income with

  • state benefit letters
  • pay stubs
  • universal credit letters
  • payslips
  • sa302 documents

Types of bad credit history

Secured loan lenders such as Paragon Personal Finance, Norton Finance or Equifinance can often loan to people with

  • ccj’s
  • poor payment history
  • defaults
  • late instalments

Affordability criteria for secured loans

It’s common to find it cheaper to get a second charge loan than a re-mortgage.

  • Norton Finance
  • Spring Finance
  • Masthaven
  • Lloyds
  • TSB
  • Spring Finance

Passing the credit check for bad credit lenders with high acceptance:

  • Pepper
  • Secure Trust Bank
  • RBS
  • Buckinghamshire Building Society
  • Coventry
  • Vida Home Loans
  • Metro Bank Plc

Time to pay back loan with Bluestone Mortgages

  • 35 years
  • Ten years

Remortgage fees

  • early repayment charge
  • product fee
  • broker fees

Finding help when it’s necessary for a homeowner loan

  • UK independent financial advisor
  • ifa

It is usual to discover people searching for a mortgage for low credit, best bank for bad credit mortgage or bad credit mortgage 90 ltv; however, lenders like Darlington are keen to see paperwork to show affordability in the form of wage slips, p60s or DWP letter.

Charges for homeowner loans

  • booking fee
  • brokers fee
  • valuation fee
  • redemption penalty
  • solicitors fee

Types of mortgages lenders offer for Buy to let Residential Property including for lousy credit

The lender will want to know if the property is a Semi detached freehold house or a Leasehold house and if the occupier is an Owner Occupier Primary Residence.

Percentages for Loan to Value

A typical LTV ration (loan to value) for equity release is 50%.  It depends on your age and if you have Ill health problems.  It’s often found to encounter people looking for loan to value percentages of 50%, 55% or even as much as 90% however its hard to get 90%.

Getting help when its necessary for refinance

It’s often found to find individuals seeking out remortgage with poor credit, no credit check remortgage lenders or poor credit remortgages however secured loan lenders like United Trust Bank are keen to see evidence of affordability in the form of pension statements, bank statements or accountants certificate.

Halifax, PO Box 548, Leeds, LS1 1WU.
Halifax is a division of Bank of Scotland plc. We are registered in Scotland No. SC327000. Registered Office: The Mound, Edinburgh EH1 1YZ. Bank of Scotland plc is Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 169628.