Voluntary Repayment Plans

Please feel free to use our unique compare voluntary repayment deals table. The London Equity Release comparison table lists all UK equity release schemes available in the marketplace. These include partial repayment plans specially negotiated by London Equity Release & major equity release lenders. These can include free valuations, cashbacks and specially reduced interest rates.

Drawdown
Drawdown equity release schemes are the most popular lifetime mortgage by providing flexibility & the ability to withdraw tax free cash in stages.
These are drawdown lifetime mortgages. To understand their risks & features, always ask for a personalised Key Facts Illustration.
Lump Sum
Lump sum equity release schemes offer simplicity for those retirees looking to take a single one-off capital amount.
These are lump sum lifetime mortgage plans. To understand their risks & features, you should ask for a personalised illustration.
Voluntary Repayment
Voluntary repayment plans flexibility help homeowners control the future equity release balance. They allow homeowners to pay upto 10% per annum of the original amount borrowed back to the lender with NO penalty. Therefore, you decide how much inheritance to leave.
These are voluntary repayment plans also known as partial repayment plans. To understand their risks and features, please ask for a personalised Key Facts Illustration.
Interest Only
Interest Only Lifetime Mortgages are a recent innovation in offering a repayment facility in order to control the future balance of the loan.
These are interest only lifetime mortgages. To understand the features and risks of these schemes, please ask for a personalised quotation.
Retirement Interest Only Mortgage
Retirement Mortgages have declined in number due to regulation. However, there are still niche lenders who will offer mortgages in retirement.
These are retirement mortgages for pensioners. To understand their risks & features of these pensioner mortgages, ask for a personalised quote.
Ill-Health
Ill-health or Enhanced Lifetime Mortgages are designed specifically for anyone with a history of poor health. They offer benefits in various ways.
These are ill-health equity release schemes. To understand their risks & features, always ask for a personalised illustration.
BTL/2nd Home
Income

Product	Type	Rate	APR
smartER Super Lite	Fixed	7.32%	7.68%
smartER Lite	Fixed	7.41%	7.78%
smartER Gold	Fixed	7.50%	7.87%
smartER Platinum Plus	Fixed	7.69%	8.08%
Emerald	Fixed	7.78%	8.14%
Emerald (fee-free)	Fixed	7.82%	8.23%
Heritage Super	Fixed	6.60%	6.92%
Premier Flexible Opal	Fixed	6.09%	6.30%
Flexible Opal	Fixed	6.18%	6.40%
Classic Lite	Fixed	6.44%	6.73%
Flexible Opal (fee-free)	Fixed	6.22%	6.40%
Flexible Carbon	Fixed	6.32%	6.60%
Flexible Carbon (fee-free)	Fixed	6.36%	6.60%
Classic Elite Super Lite	Fixed	6.14%	6.34%
Flexi Choice Premier Super Lite (fee free)	Fixed	6.18%	6.39%
Classic Super Lite Plan	Fixed	6.14%	6.43%
Flexi Choice Super Lite	Fixed	6.14%	6.44%
LS1	Fixed	6.65%	6.90%
Flexible Pink (fee free)	Fixed	6.95%	7.20%
J1 VP	Fixed	6.51%	6.80%
LS2	Fixed	6.80%	7.00%
Lifestyle Flexible Option	Fixed	7.11%	7.50%
Drawdown+ Lite	Fixed	6.36%	6.60%
Lump Sum+ Lite 1% Cashback (fee-free)	Fixed	7.11%	7.30%
Lump Sum+ Lifetime Mortgage	Fixed	6.83%	7.20%

VOLUNTARY REPAYMENT PLANS

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