UK Halifax Equity Release with no broker fees and free valuation


  • The Halifax equity release product has no early repayment charges
  • It has optional monthly repayments
  • It has the no negative equity guarantee
  • Get a tax free lump sum that is 60% of your homes market value
  • You can get one lump sum or regular monthly income from your own home
  • It has a fixed for life interest rate of 3.11%
  • You can use it to pay your outstanding mortgage or outstanding loan, plus get extra money

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low overall equity release cost
independent financial adviser financial services register
pay off your outstanding mortgage

Yes, Halifax equity release has a low rate of 3.11% fixed for life.  Many financial advisers can use this to manage your tax position.

With equity release Halifax, you simply sign away your home to get a loan where the interest is added onto the loan.

The interest payments are added onto the loan, so you end up paying interest on the interest, so it’s compounded.

Halifax equity release is the best equity release lender in the UK based on recent reviews.

Yes, Halifax lifetime mortgages have very low rates under 4% in 2022.  It’s ideal to pay off an existing mortgage with a new loan secured on your home with a low overall cost.

Yes, the product is completely safe as it is all controlled by the equity release council, an equity release adviser, the financial conduct authority fca and the financial ombudsman service.

Yes, the Halifax is an equity release provider that makes the best use of the value of your home and your personal circumstances.

Yes, a Halifax retirement mortgage can be ideal for pensioners with a good income.  Other equity release lenders can have far higher rates.

What are the key elements?

  1. When you get an equity release lifetime mortgage you should get independent legal advice from a financial adviser so you have good equity release advice
  2. The two equity release options are a lifetime mortgage or an interest only lifetime mortgage
  3. When you sign away the full market value of your property it’s a big financial commitment
  4. You can consider Halifax equity release under 55 in some circumstances
  5. Releasing equity is very common when impartial financial advice suggests you can help a member of your family buy a home
  6. An equity release mortgage can be used for tax planning
  7. The equity release agreement will show no monthly payments are necessary as the equity release loan has later life payments when you house is sold


These homes have low cost equity release products – pay off your regular mortgage

firm reference number

Halifax interest only lifetime mortgage

An equity release lifetime mortgage is where you pay interest at low interest rates without regular payments, the interest and the initial loan amount are paid when the property is sold.

retirement planning

equity release mortgage

Equity release council

The main one is the reduced value of your estate.

It’s a loan with no monthly repayments.  Equity release mortgages are ideal for people that have old interest only mortgages they need to pay off.

It comes down to the value of your home and if you want to raise cash that’s more than 60%.  There is no early repayment charge.  Borrowing jointly or as a single person is fine.

Some lenders are as high as 6% but borrowing money with the Halifax equity release provider this type of equity release the rates are very low.

Yes, it is regulated by the financial conduct authority.  Your entitlement to means tested benefits may be impacted.

Yes, because it has no early repayment charge and no arrangement fees for smaller lump sums and large amounts of money.

Yes, and it is considered superior to a home reversion plan depending on your personal situation.

Yes, the Halifax retirement mortgages have very low interest rates, but you need regular income, and you can use one to pay off an old standard mortgage with regular repayments.

It’s a secured loan on your main residence where there are only optional repayments where you access equity from your home.

Yes, it could be but it could impact your state benefits before you think about long term care or any home improvements.