Equity Release Calculator
Estimate how much tax-free cash you could unlock from your home. Calculate your potential lifetime mortgage amount based on your age and property value.
Calculate Your Release Potential
Enter your property details below to instantly estimate the maximum tax-free cash you may be able to release through an Equity Release plan.
Property & Applicant Details
Enter your current home valuation and age
Release Evaluation
Estimated tax-free cash and remaining equity
Typical Loan-to-Value (LTV) by Age
Estimated maximum release percentages based on the age of the youngest applicant. Actual offers depend on health, property type, and lender criteria.
| Age of Youngest Applicant | Estimated Max LTV | Example: £300,000 Home |
|---|---|---|
| 55 – 59 | ~25% – 29% | £75,000 – £87,000 |
| 60 – 64 | ~30% – 34% | £90,000 – £102,000 |
| 65 – 69 | ~35% – 39% | £105,000 – £117,000 |
| 70 – 74 | ~40% – 44% | £120,000 – £132,000 |
| 75 – 79 | ~45% – 49% | £135,000 – £147,000 |
| 80+ | ~50% – 60% | £150,000 – £180,000 |
Equity Release FAQ
Everything you need to know about unlocking the value of your home in the UK.
Equity release is a financial product that allows homeowners aged 55 and over to access the wealth tied up in their property without having to sell and move out. The most common type is a Lifetime Mortgage, where you take out a loan secured against your home, which is repaid when you die or move into long-term care.
The amount you can release depends primarily on your age and the value of your property. Generally, the older you are, the higher the percentage of your home’s value you can access. Typically, you can release between 20% and 60% of your property’s value, tax-free.
No, the cash you receive from an equity release plan is completely tax-free. It is considered a loan, not income, so it does not affect your Income Tax or Capital Gains Tax liabilities. However, it may impact your eligibility for certain means-tested state benefits.
All Equity Release Council-approved plans come with a No Negative Equity Guarantee. This ensures that you, or your estate, will never owe more than the value of your home when it is sold, even if the accumulated interest exceeds the property’s value.