Free Equity Release Calculator
Use our free Equity Release Calculator to get an instant estimate of how much money you could release from your home based on your age and your property’s value.
Equity release can be a flexible way to unlock tax-free cash from your home without having to move. It’s important to remember that this is only an estimate, and speaking with a qualified adviser will help you understand your full range of options, costs, and benefits.
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Disclaimer: The results provided by this Equity Release Calculator are for illustrative purposes only and do not constitute financial advice. The figures are based on general assumptions and may not reflect the actual amount you could release.
All equity release products require advice from a qualified and regulated adviser. Before proceeding, you should discuss your individual circumstances, alternatives, and potential implications with an FCA-authorised equity release specialist.
Using this calculator does not commit you to any product or recommendation.
Get Matched With an Equity Release Adviser
Connect with a trusted equity release adviser for personalised advice and recommendations. Why not try our free Equity Release Adviser Matching Service? It takes less than 90 seconds to complete the form and we’ll do the rest.
Frequently Asked Questions
Equity release allows homeowners aged 55 or over to access tax-free cash from the value of their home without having to move.
The calculator provides an estimate based on your age and property value. The amount you can release depends on your personal circumstances, the type of equity release product, and lender criteria.
Standard equity release terms are based on your age and property value alone. Medically enhanced terms take your health and lifestyle into account, for example, if you have certain medical conditions or a history of smoking, you may qualify for a higher release amount or more favourable interest rate. This is because life expectancy influences how long the plan is likely to run. An equity release adviser can help determine whether you qualify for enhanced terms and which providers offer them.
No, the result is an estimate. We recommend seeking expert advice from a qualified equity release adviser. who will be able to confirm the actual amount you can borrow. We can match you with an expert equity release adviser.
Most lifetime mortgages don’t require monthly repayments, as the loan plus interest is repaid when your home is sold, usually after you pass away or move into long-term care. Some plans allow optional payments to reduce interest.
Yes, releasing equity reduces the value of your estate. An adviser can explain inheritance protection options if leaving an inheritance is important to you.
You typically need to be aged 55 or over, own your home (usually worth at least £70,000), and release a minimum amount, often £10,000 or more depending on the lender. A qualified equity release adviser will be able to provide expert advice and guidance. Use our matching service to find a the best adviser for your needs.
A lifetime mortgage is a loan secured against your home, while a home reversion involves selling part or all of your property in exchange for a cash lump sum.
When arranged through an FCA-regulated adviser and an Equity Release Council member, equity release products come with protections such as a “no negative equity” guarantee.
Use our matching service to find a qualified adviser.
Yes, most lifetime mortgages are portable, meaning you can move to a new property that meets the lender’s criteria.
After using the calculator, you can connect with a qualified equity release adviser through our matching service for tailored recommendations.
Yes, you can find the best advisers and contact them directly through our Equity Release Adviser Directory.