Equity Release on Properties with Flat Roofs

A flat roof does not automatically prevent equity release, but lifetime mortgage lenders have different tolerances for the proportion of a property covered by flat roofing and for the materials and construction involved.

Why percentages matter

Some lenders place limits on the percentage of the total roof area that can be flat. Others may consider larger proportions where the roof is of an acceptable modern construction and the property remains readily marketable. Criteria can change, so the exact property should be checked rather than relying on an old percentage rule.

What the valuer may consider

Condition, age, roofing material, evidence of leaks or deterioration, guarantees where relevant and the overall marketability of the property can all influence the valuation.

Do not assume one decline means every lender will decline

Property criteria vary. If one lender is uncomfortable with a flat-roof percentage, another lender may have different criteria. That does not guarantee acceptance, because the lender’s valuation remains decisive.

Read more about equity release on unusual properties.

Reviewed by David Farrell. Last reviewed: 3rd October 2026.