Compare Equity Release Schemes

Drawdown

Drawdown lifetime mortgages are the popular choice for those wanting flexibility. Drawdown allows the withdrawal of an initial lump sum, followed by future access to a cash reserve facility for extra funds whenever required. Therefore, drawdown helps limit the compounding effect of interest, thus reducing ‘roll-up’.
Lump Sum

Lump Sum equity release schemes are designed to provide a one-off capital amount to spend as you wish. They are usually required for homeowners requiring a maximum equity release lump sum. Each lifetime mortgage has its own specific loan-to-value ratio for calculation maximum release purposes.
Voluntary Payment

Voluntary Payment equity release schemes are designed to provide flexibility for the homeowner to manage the future balance of their lifetime mortgage plan. Lenders offering voluntary partial repayments set a maximum 15%pa repayment allowance of the original amount borrowed back to the provider.
Interest Only

An Interest Only Lifetime Mortgage is designed to assist the homeowner manage their equity release scheme by making repayments of part, or all of the interest charged by the lender. This interest payment could be made either monthly, annually or an ad-hoc basis to suit the future inheritance of your beneficiaries.
Retirement Interest Only Mortgage

Retirement Mortgages are making a resurgence with some lenders & providing mortgages for pensioners. Filling the corridor of uncertainty between conventional mortgages and equity release plans, a retirement mortgage can provide lending into retirement on interest only or capital and repayment basis.
Ill-Health

Enhanced equity release mortgages are designed around the personal medical history of the applicant. Should poor health persist, underwriters will assess the effect this could have on life expectancy. If proven, lenders can adjust the maximum loan amount based on the state of health, or lower the interest rate.
BTL/2nd Home

Product	Type	Rate	APR	Incentive
FR1	Fixed	6.10%	6.30%	Yes
Classic Super Lite	Fixed	5.85%	6.12%	Yes
FR2	Fixed	6.48%	6.70%	Yes
Capital Choice Ultra Lite	Fixed	6.17%	6.42%	Yes
Capital Choice Super Lite	Fixed	6.29%	6.54%	Yes
Drawdown+ Lite	Fixed	7.02%	7.30%	Yes
Sovereign A	Fixed	7.17%	7.63%	Yes
Premier Flexible Black	Fixed	5.91%	6.20%	Yes
Flexible Pink	Fixed	6.29%	6.60%	Yes
Flexible Yellow	Fixed	6.74%	7.00%	Yes
Lifestyle Flexible Option	Fixed	6.95%	7.30%	Yes
J1	Fixed	6.20%	6.40%	Yes
Lifestyle Flexible Option - £500 Cashback	Fixed	7.11%	7.40%	Yes

Product	Type	Rate	APR	Incentive
Classic Elite Super Lite	Fixed	5.85%	6.03%	Yes
Lump Sum Super Lite	Fixed	5.85%	6.12%	Yes
Lump Sum+ Lite 1% Cashback (fee-free)	Fixed	7.11%	7.30%	Yes
Sovereign A	Fixed	7.17%	7.63%	Yes
Flexi Choice Premier Super Lite (fee free)	Fixed	5.90%	6.10%	Yes
Flexi Choice Super Lite Plan	Fixed	5.85%	6.14%	Yes
Lump Sum+ Lifetime Mortgage	Fixed	7.44%	7.90%	Yes
Flexi Choice Lite	Fixed	6.14%	6.44%	Yes
LS1	Fixed	6.10%	6.30%	Yes
LS2	Fixed	6.48%	6.70%	Yes
Lifestyle Flexi (£0 Cashback)	Fixed	6.95%	7.30%	Yes
J1	Fixed	6.20%	6.40%	Yes
Lump Sum Lite (Variable)	Variable	7.90%	8.19%	Yes
J2	Fixed	6.23%	6.50%	Yes
Prime Max	Fixed	7.81%	8.17%	Yes
Super LTV	Fixed	7.15%	7.50%	Yes

Product	Type	Rate	APR	Incentive
Lump Sum+ Lite 1% Cashback (fee-free)	Fixed	7.11%	7.30%	Yes
Lump Sum+ Lifetime Mortgage	Fixed	7.44%	7.90%	Yes
Classic Elite Super Lite	Fixed	5.85%	6.03%	Yes
Classic Super Lite	Fixed	5.85%	6.12%	Yes
Classic Lite	Fixed	6.14%	6.41%	Yes
Drawdown+ Lite	Fixed	7.02%	7.30%	Yes
Flexi Choice Premier Super Lite (fee free)	Fixed	5.90%	6.10%	Yes
Flexi Choice Super Lite	Fixed	5.85%	6.14%	Yes
Premier Flexible Black	Fixed	5.91%	6.20%	Yes
Flexible Pink (fee free)	Fixed	6.32%	6.50%	Yes
LS1	Fixed	6.10%	6.30%	Yes
LS2	Fixed	6.48%	6.70%	Yes
Lifestyle Flexible Option	Fixed	6.95%	7.30%	Yes
J1 VP	Fixed	6.23%	6.50%	Yes
Lifestyle Flexible Option - £500 Cashback	Fixed	7.11%	7.40%	Yes

Product	Type	Rate	APR	Incentive
Classic Elite Super Lite	Fixed	5.85%	6.03%	Yes
Classic Elite Super Lite (fee free)	Fixed	5.90%	6.07%	Yes
Classic Super Lite	Fixed	5.85%	6.12%	Yes
Optional Payment Pink	Fixed	6.29%	6.60%	Yes
Interest Payment Lite	Fixed	7.90%	8.19%	Yes
Interest Payment Lite - Fixed	Fixed	7.90%	8.19%	Yes
Flexi Choice Premier Super Lite (fee free)	Fixed	5.90%	6.10%	Yes
Premier Optional Payment Black	Fixed	5.91%	6.20%	Yes
Interest Payment Standard	Fixed	8.25%	8.57%	Yes
J1	Fixed	5.95%	6.20%	Yes
Lump Sum+ Lite 1% Cashback (fee-free)	Fixed	7.11%	7.30%	Yes
Prime Max	Fixed	7.81%	8.17%	Yes

Product	Type	Rate	APR	Incentive
RIO - Lifetime Discount (LPA)	Variable	2.99%	3.10%	No
RIO - 3 Year Discount	Fixed	4.29%	6.20%	Yes
RIO - 5 Yr Fixed (60% LTV)	Fixed	3.30%	3.40%	No
RIO - Lifetime Fixed (Purchase)	Fixed	3.55%	3.69%	Yes
RIO - 5 Yr Fixed (70% LTV)	Fixed	3.70%	3.82%	No
RIO - 5 Yr Discount	Fixed	3.85%	4.60%	Yes
RIO - 10 Yr Fixed (60% LTV)	Fixed	3.75%	3.90%	No
RIO - Lifetime Fixed	Fixed	3.90%	3.91%	Yes
RIO 10 Yr Fixed	Fixed	3.74%	4.04%	Yes
RIO - 5 Yr Fixed	Fixed	3.40%	4.16%	Yes
RIO - 5 Yr Fixed (50% LTV)	Fixed	2.90%	4.20%	No
RIO - 2 Yr Fixed (60% LTV)	Fixed	3.00%	4.20%	No
RIO - 5 Yr Fixed	Fixed	3.49%	4.20%	Yes
RIO - 2 Yr Discount (70% LTV)	Fixed	3.30%	4.21%	No
RIO - 2 Yr Fixed (70% LTV)	Fixed	3.40%	4.22%	No
RIO - 10 Yr Fixed (70% LTV)	Fixed	4.15%	4.29%	No
RIO - 5 Yr Fixed	Fixed	3.02%	4.50%	Yes
RIO - 5 Yr Fixed (75% LTV)	Fixed	3.90%	4.50%	No
RIO - 2 Yr Discount	Variable	3.29%	6.30%	Yes
RIO - 2 Yr Fixed (75% LTV)	Fixed	3.60%	4.60%	No
RIO - 10 Yr Fixed	Fixed	3.89%	4.60%	Yes
RIO - 2 Yr Fixed	Fixed	2.59%	4.70%	Yes
RIO - Fixed For Life (70% LTV)	Fixed	4.55%	4.72%	No
RIO - 3 Yr Fixed	Fixed	3.35%	5.00%	Yes
RIO - 2 Yr Fixed	Fixed	2.45%	5.70%	Yes
RIO - 5 Yr Fixed	Fixed	2.69%	5.70%	Yes

Product	Type	Rate	APR	Incentive
Lifestyle Flexible Enhanced (£0 Cashback)	Fixed	6.82%	7.10%	Yes
Lifestyle Flexible Enhanced - £1000 Cashback	Fixed	7.31%	7.70%	Yes
Tailored Enhanced - Temp Withdrawel	Fixed	0.00%	0.00%	Yes
Tailored Enhanced Cashback 1% - Temp Withdrawel	Fixed	0.00%	0.00%	Yes
Tailored Enhanced Cashback 4% - Temp Withdrawel	Fixed	0.00%	0.00%	Yes

Provider	Product	Type	Rate	APR	Incentive

About Us

NationwideEquityRelease website is a trading style of Equity Release Supermarket who are authorised and regulated by the Financial Conduct Authority. FCA no 584063. Registered Office: 304 Bridgewater Place, Birchwood Park, Birchwood, Warrington, Cheshire, WA3 6XG. Registered in England & Wales. Company number 6553466. We offer UK whole of market advice with no upfront fee and without obligation. We have advisers available on a nationwide basis and should a recommendation be accepted, following completion & release of funds, a fee of £995 is charged and we receive a procuration fee from the lender. To understand the features and risks of equity release schemes please ask for a personalised illustration.

© Copyright Nationwide Equity Release. Terms & Conditions. NationwideEquityRelease.com website is a trading style of Equity Release Supermarket who are authorised and regulated by the Financial Conduct Authority. FCA no 584063. Registered Office: Genesis Centre, Science Park South, Birchwood, Cheshire. WA3 7BH Registered in England & Wales. Company number 6553466. We offer UK whole of market advice with no upfront fee and without obligation. We have advisers available on a nationwide basis and should a recommendation be accepted, following completion & release of funds, a fee of £995 is charged and we receive a procuration fee from the lender. To understand the features and risks of equity release schemes please ask for a personalised illustration.

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