Compare OneFamily Equity Release

Powered by
Fluent Money logo
  • We’ve teamed up with leading equity release advisers Fluent Lifetime to help you in your search for a OneFamily lifetime mortgage
  • If you're over 55 you may be able to release some of the cash tied up in your home without having to move
  • Take a tax-free lump sum secured against your home’s value with a lifetime mortgage from OneFamily
Get a Quote

A lifetime mortgage is secured against your home, think carefully before securing debts against it. Ask for a personalised illustration to fully understand the risks and benefits before considering.

Refine results
9 products found based on age of 70, total borrowing of and LTV of 40.00%
    • Onefamily logo

      Onefamily

      • MER / Annual Rate
        6.29%
      • MAX LTV
        50.00%
      • Max You Can Borrow
        £125,000
      • Lender Fees
        £950

    Other Equity Release Providers

    • LV logo

      LV

      • MER / Annual Rate
        2.99%
      • MAX LTV
        41.00%
      • Max You Can Borrow
        £102,500
      • Lender Fees
        £0
    • more2life logo

      more2life

      • MER / Annual Rate
        3.18%
      • MAX LTV
        40.00%
      • Max You Can Borrow
        £100,000
      • Lender Fees
        £0
    • Legal & General Home Finance logo

      Legal & General Home Finance

      • MER / Annual Rate
        3.20%
      • MAX LTV
        41.00%
      • Max You Can Borrow
        £102,500
      • Lender Fees
        £599
    • Scottish Widows logo

      Scottish Widows

      • MER / Annual Rate
        3.32%
      • MAX LTV
        41.00%
      • Max You Can Borrow
        £102,500
      • Lender Fees
        £0
    • JUST logo

      JUST

      • MER / Annual Rate
        3.35%
      • MAX LTV
        42.00%
      • Max You Can Borrow
        £105,000
      • Lender Fees
        £0
    • Pure Retirement logo

      Pure Retirement

      • MER / Annual Rate
        3.69%
      • MAX LTV
        47.00%
      • Max You Can Borrow
        £117,500
      • Lender Fees
        £895
    • Canada Life logo

      Canada Life

      • MER / Annual Rate
        3.73%
      • MAX LTV
        40.00%
      • Max You Can Borrow
        £100,000
      • Lender Fees
        £0
    • Aviva logo

      Aviva

      • MER / Annual Rate
        4.20%
      • MAX LTV
        46.00%
      • Max You Can Borrow
        £115,000
      • Lender Fees
        £5

Overall Representative Example for a Lifetime Mortgage from Fluent Lifetime

Most Fluent Lifetime customers have received a fixed annual interest rate of 2.84% or lower, based on an average loan size of £50.000, the overall cost for comparison is 3.2% APRC.

The information contained on this page has been approved for the purposes of Section 21 of the Financial Services and Markets Act 2000 by Fluent Lifetime Ltd, an appointed representative of Fluent Mortgages Ltd who are authorised and regulated by the Financial Conduct Authority firm registration number 458914.

A lifetime mortgage is a form of equity release. Think carefully about securing other debts against your home, which you could lose if you fail to meet the terms of the mortgage. Check the mortgage meets your needs if you want to move or sell your home, or you want your family to inherit it. Lifetime mortgages can affect tax and benefits. To understand the features and risks of a Lifetime Mortgage, ask for a personalised illustration..

Fluent Lifetime is a Lifetime Mortgage broker, not a lender. They are not limited in the range of lifetime mortgages they will consider for you. Fluent Lifetime does not offer home reversion plans. Fluent Lifetime Ltd. Registered in England and Wales. Company Registration No.11226852. Data Protection Reference number ZA451714. Registered Office: 102 Rivington House, Chorley New Road, Horwich, Bolton BL6 5UE. Telephone 01204 472060

NerdWallet - Our awards

Award-winning comparisons you can trust

It's always nice to know you're on the right track. Over the years, as we have striven to improve the services we provide to our clients and users, we have been pleased to receive recognition for our efforts from both industry and consumer bodies.

Last updated on 10 June 2021.

OneFamily - Equity Release FAQs

Who is OneFamily?

OneFamily is a mutual society that provides financial services, including equity release through a lifetime mortgage.

What equity release plans do OneFamily offer?

OneFamily offers lifetime mortgages that allow homeowners to release equity in their homes. Its lifetime mortgages are available to those aged 55 or over with a minimum property value of £70K. OneFamily offers both variable rate and fixed-rate lifetime mortgages and the equity released is paid to you as a one-off cash lump sum.

How do I get a OneFamily equity release plan?

You will need to speak with an equity release adviser to assess whether equity release is the right option for your personal circumstances. You can proceed to our partner's website to provide your details and they will be in touch to assess your circumstances and suitability.

How does the OneFamily equity release plan work?

Once you have been accepted, you will be able to release money as a one-off lump sum. You can use this money for whatever you want, to finance your lifestyle or to support loved ones, for instance helping children onto the property ladder. With a OneFamily lifetime mortgage you retain ownership of your property, and the amount you owe will never be more than the value of your property. You won’t face the risk of your property being repossessed if you follow the terms and conditions of the loan. The money is borrowed as a loan against your home and it is repaid with any interest accrued when your house is sold, when you enter long term care, or pass away.

How much can I release with a OneFamily equity release plan?

OneFamily’s loans go up to a maximum of £1 million, but the amount of equity you can release will depend on your individual circumstances. See how much you could borrow by entering details in our calculator.

What can I use a OneFamily equity release plan for?

Many retirees use an equity release to finance their lifestyle, achieving financial security as they enter retirement. You can also use the lump sum from a lifetime mortgage to clear an interest-only mortgage that has come to the end of its term.

A lifetime mortgage can be used for home improvements, for instance upgrading your home, such as installing a new bathroom or kitchen, or making essential repairs. For others a lifetime mortgage can be used to help loved ones, whether it’s giving children a leg up onto the housing ladder, paying for a wedding or helping someone through an expensive time in their life.

Where can I find reviews of OneFamily?

It’s always worthwhile doing due diligence on a company when researching a financial product like equity release. Reviews of OneFamily can be found on websites such as Trustpilot, where thousands of customers share their provider experiences.

Services offered by this provider may change over time. Always check Ts&Cs