Equity Release Calculator UK
Estimate how much equity you can release from your home. Tools for Lifetime Mortgage, interest projections, and cost comparison (2025 rates).
Equity Release Estimate
How Equity Release Calculators Work
These calculators provide estimates based on typical UK market rates in 2025. Lifetime Mortgages are the most popular. The amount you can release depends on age and property value. Interest usually compounds and is repaid when the last borrower dies or moves into long-term care.
Important: Equity release reduces inheritance and may affect means-tested benefits. Always seek advice from a qualified Equity Release Council adviser.
Frequently Asked Questions
Usually 55+ for Lifetime Mortgages and 65+ for Home Reversion plans.
Between 20%–60% of your property value depending on age. The older you are, the higher the percentage.
Yes, if provided by Equity Release Council members. Includes No Negative Equity Guarantee (NNEG).
It can affect Pension Credit, Council Tax Support and other means-tested benefits.
Equity Release Guide UK
Lifetime Mortgage
You borrow against your home. Interest rolls up and is repaid on death or moving into care. Most popular option.
Home Reversion
You sell a portion of your home for a lump sum or income. You retain the right to live there rent-free.
Key Considerations
Early repayment charges may apply. Seek independent financial advice. All plans include a No Negative Equity Guarantee.